How to buy the right insurance for children and teenagers? Choosing that way is a waste of your parents’ hard-earned money!

There is information that children and teenagers do not have a high chance of suffering from major diseases.

兒童保險

For example, a 0-year-old child has a less than 1% chance of suffering from a major disease within 20 years and no more than 1.5% within 30 years.

The lack of information on the data has also led many parents to enter into a misconception when choosing commercial insurance, favoring profit over protection.

Obviously this is not the right thing to do.

How to buy the right insurance for children and teenagers? That is a waste of parents’ hard-earned money!

Even if there is a 1% chance, the child must have better coverage.

Once a tragedy is caught by a major disease, it is a fatal blow to the mind and body.

How to properly buy insurance for children and teenagers? That choice is a waste of parents’ hard-earned money!

So we need to have enough advance preparation to fight the good fight for our children!

Today Lao Zheng will be based on an article to tell the guys, children’s insurance should be how to buy?

One, do not enter the wrong concept

1、Favorable to the return type of insurance

Refundable business insurance seems to be a particularly very good way to enjoy the protection of deposits, in fact, the cost effectiveness is not high.

How to correctly buy insurance for children and teenagers? That choice is a waste of parents’ hard-earned money!

This product buy the full amount of insurance, insurance costs are much more expensive than the consumer.

We pay a lot more insurance costs, car insurance companies take to carry out projects investment, decades later put in which part of the return to everyone, and the profit is not high.

2, blindly follow the trend of buying financial type insurance

We Chinese people like to deposit, even to buy insurance, but also need additional investment financial role, and even do not have to protect, pure investment financial also.

The business insurance can reduce a lot of stress for your child’s future.

How to properly buy insurance for children and teenagers? That is a waste of parents’ hard-earned money!

The love of mom and dad for their children is hardly stingy, the foothold is good, but we must be clear about one thing.

Buy insurance, is the first to get protection, after investing money.

If the riskiness of generating a major disease like that, financial insurance is not possible to compensate hundreds of thousands of dollars for medical treatment like a major disease.

Cost budget enough home, after good protection, can fully consider the project investment financial type insurance.

3, critical illness insurance to buy on time

Buy critical illness insurance for children is not proposed to buy on time.

How to properly buy insurance for children and teenagers? That choice is a waste of parents’ hard-earned money!

The first thing is that the cost of insurance for children is very cost-effective, very little money can be purchased to a very high amount of insurance, but also can be insured for life.

It is likely that many parents will give due consideration to the challenge of whether the amount of insurance will be inflated.

This is actually quite manageable, as the amount of insurance can be increased again when the child becomes an adult.

That selection does not have to worry about the child’s coverage expires, the process of changing to another commercial insurance naked run situation.

Second, the order of children and teenagers insurance policy

Undoubtedly, the first commercial insurance for children is definitely our medical insurance.

The next is critical illness insurance, medical insurance, accident insurance.

How to correctly buy insurance for children and teenagers? It is a waste of parents’ hard-earned money to choose that way!

Critical illness insurance: the key to better prevent children from suffering from major diseases, to prevent property losses to the family.

Medical insurance: there is medical insurance as a prerequisite, basically protection is possible, if there is also a certain cost budget, can do as a moderate fill.

Accident insurance: small children are widely more naughty, fall burns, electrocution accidents and other conditions are very easy to produce, a child accident insurance is a must have.

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