Nowadays, more and more families are choosing to buy several insurance plans for their children.
However, buying insurance for children is a place where many parents often step on pitfalls.
If you are not careful, you will buy expensive, or you will not buy enough protection.
So, this time, let's have a good talk about buying insurance for children, which ones are enough.
To consider which insurance to buy for your child, you must first know what risks your child will face.
First, there is the risk of surprise.
For young children with a desire to explore the world, the risk of the unexpected is all too common.
Accidents such as bumps, accidental ingestion of foreign objects, burns and scalds are frequent, not to mention those that can endanger the child's life.
Some data show that the number one cause of death among adolescents under the age of 14 in China is accidents!
Therefore, children's daily life is still facing a very serious risk of accidents.
Secondly, there is the risk of disease.
Children are still young and have immature immune systems, so they are more likely to get sick than we adults.
It's okay to talk about minor illnesses such as colds and fevers, but I'm afraid of encountering rare and special diseases in children, such as leukemia, severe hand, foot and mouth disease, and so on.
If you have these diseases, not to mention the pain of the child himself, the parents still need to accompany them, and the medical expenses are also a large expense.
Finally, for the whole family.
The need for so many years of education for a child, plus the usual living expenses, is a lot of money.
If the expenses are high, it will bring financial pressure to the whole family.
It's also a risk.
Now that we know the risks that our children face, we can choose insurance products that can protect against these risks.
First of all, children's health insurance is definitely needed.
Because this is an insurance product with a welfare nature provided by the state, it is best to give priority to it as soon as possible before buying commercial insurance for children.
Generally speaking, if you apply for it after 3 months of birth, you can even reimburse the medical expenses from the day the baby is born.
Secondly, there is children's accident insurance.
As we said earlier, children are at great risk of accidents.
Therefore, when choosing an accident insurance product, it is best to have a certain targeting, such as burn and scald protection, accidental ingestion of foreign body protection, fracture protection, etc.
In this way, there is a targeted guarantee for the children.
It can be said that when choosing accident insurance for children, these protections should be paid attention to.
Then, medical insurance is also very much needed.
After all, the medical expenses incurred by the child's illness and hospitalization will still be partially reimbursed by the children's medical insurance.
Especially if you have a serious illness, the medical expenses incurred are not insignificant.
Of course, if you want to be reimbursed for colds and fevers, you can choose small hospitalization medical insurance.
In this way, major and minor illnesses can be insured, and it is still a relatively complete guarantee.
Of course, if the family is financially well-off, then critical illness insurance can also be considered.
In the event of a serious illness, a lump sum of insurance benefits can be paid.
This insurance money can be used to cover the loss of income of the parents, and it can also be used to cover nutrition costs, ** expenses, etc.
And if you have bought all the basic protection insurance and have spare money, you can consider education insurance.
However, the average family does not need to consider buying this kind of financial insurance for their children, and it is enough to do a good job of basic protection.
In general, it is enough to buy insurance for your child in terms of accident + medical protection.
It is also important to keep in mind that the principle of insurance allocation for adults before children cannot be reversed.