For parents, children are a gift from heaven, and they will use their whole life to protect their children, which can be vividly reflected in the insurance for their children.
What kind of insurance should I buy for my child? "This is a concern for many parents, and recently we have found that parents have different views on the order of their children's insurance purchases.
In particular, there are many different voices on the Internet now that there are many different voices on the Internet for critical illness insurance and medical insurance, which can also protect the disease.
Some people say that "you can choose one to buy one of the million medical insurance and critical illness insurance", and some people say that "critical illness insurance is a bit expensive, and it is enough to buy a million medical insurance for your child" ......
If I buy medical insurance for my child, do I still need to buy critical illness insurance?
The answer is: Yes!
Why? Let's start with the difference between the two:
To summarize the comparison results:
Million medical insurance is mainly used to reimburse the hospitalization medical expenses caused by the child's illness or accident, and the remaining money after the medical insurance reimbursement is generally 100% reimbursed after deducting the deductible.
WhileCritical illness insurance will pay a lump sum of money after the child suffers from an illness agreed in the contract, and there is no restriction on the use.
When a child unfortunately has a serious illness and requires parents to take care of their children wholeheartedly, which will inevitably affect the parents' work, resulting in a reduction in family income or even income interruption, then the money paid by critical illness insurance can make up for the loss of income during this period.
In addition, critical illness insurance can also compensate for millions of expenses that cannot be reimbursed by medical insurance, such as ** medical expenses, nutrition expenses, etc.
It can be seen that the two safeguards do not conflict and complement each other.
Moreover, for children, critical illness insurance is not so expensive, and there is not much difference between buying medical insurance and critical illness insurance for 30 years.
Taking a 0-year-old child as an example, I chose a million medical insurance and critical illness insurance calculation respectively**, as follows:
It can be seen that the first year premium for buying blue medical insurance for a 0-year-old boy is 440 yuan, and buying Bumblebee No. 9 with an insurance amount of 500,000 yuan will be insured for 30 years, and the payment in 20 years is only 150 yuan more than the million medical insurance.
So,We recommend that parents have both types of insurance availableThis can not only solve the problem of medical expenses, but also ensure the daily life of the family after the child is sick.
However, there are many products on the market, and non-industry insiders basically have no way to start.
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