For parents, the health of their children naturally comes first. Many parents start to configure insurance products for their children when they are very young.
It is naturally very good for parents to have a sense of risk prevention. However, when buying insurance for children, you can't be blind, you must prepare in advance.
Otherwise, it is easy for everyone to step on a lot of pitfalls in the process of buying insurance for their children. Here, Wutong Jun will give you a detailed introduction to the pitfalls to be careful when buying insurance for children, I believe it will be helpful to everyone.
Many parents love their children very much and attach great importance to their children's protection, but ignore their own protection. In fact, in a family, it is necessary to allocate insurance for adults first, and then allocate insurance for children.
In case the child gets sick, the parents can continue to work to earn money to ensure a living and ** illness. In the event that the parents fall ill and their income is gone, it is difficult to ensure the children's livelihood. Therefore, the protection of adults should be the first, and the protection of children should be last.
Generally speaking, adults should first configure critical illness insurance, million medical insurance, accident insurance and term life insurance, and then configure children's critical illness insurance, million medical insurance and children's accident insurance.
When many parents buy insurance for their children, they will be more concerned about whether the product can return to the original or whether it has certain financial management functions.
In fact, the essence of insurance is to protect against risks, and parents should learn to correctly use the leverage of insurance to prevent unknown risks. If the premium budget is sufficient, then you can consider repatriating your capital or managing your finances. If you have a limited budget, then you should focus on security first.
Generally speaking, it is better to choose a consumer-based critical illness insurance with more obvious leverage. Taking critical illness insurance, which is generally more expensive, for example, the premium of consumer-based critical illness insurance will be much cheaper, and it is not difficult for most parents to afford.
Here, I will take some of the children's critical illness insurance on sale as an example to introduce the specific situation.
In the figure above, we have sorted out the specific information of 5 children's critical illness insurance products. As you can see, in the case of relatively complete product protection, the premium to be borne by parents will not be too high.
Take the first product in the picture as an example, and give you an introduction to the specific situation. The first product in the figure can cover 125 critical illnesses, 43 mild illnesses, and 30 moderate illnesses, and supports multiple claims for mild and moderate diseases.
In addition, the product can also provide additional benefits for 20 child-specific diseases and 20 rare genetic diseases.
For example, the annual premium for a 0-year-old boy is 590 yuan, and the annual premium for a 10-year-old boy is 835 yuan.
It is very important to buy insurance for your child and inform about his health. If you don't do a good job of health notification when you apply for insurance, then it will bury hidden dangers in the future.
Therefore, before officially applying for insurance, you should have a comprehensive understanding of your child's health status, so that you can make more accurate health information.
However, there is no need to take your child for a physical examination before applying for insurance, you only need to check the past physical examination reports, medical records, etc.
Through the above content, I have given you a clear introduction to the pitfalls to be careful when buying insurance for children. In general, buying children's critical illness insurance for children is not an ordinary thing, and there are some pitfalls to pay special attention to.