Count the days. Children's Day is coming soon At this time, parents always try their best to prepare a special gift for their children.

Toys, books and one-day trips to amusement parks are all very good. There is also a very meaningful gift that is worth recommending Insurance.

Its particularity and sense of ritual can not be replaced by anything else. It can also plant the seeds of responsibility and love in children's hearts and become a solid backing in their life journey.

I Children's Day configuration guarantee, everything is just right

1、 It is an exclusive sense of ceremony with the names of children and parents

For example, if a mother buys an insurance for her daughter, and the mother is the insured and the child is the insured, their names will be printed on the insurance policy, which is a sense of ritual that other gifts rarely have.

Suppose we buy it on May 31 and take effect on June 1. In the future, we will pay for it every year on Children's Day on June 1. There will be a ceremony every year and it will not be easy to forget, leaving a special memory for our family.

2、 It is another guard besides parents

People will grow old. We can't stay with our children all our lives. But some insurance policies have a lifetime guarantee period. Even if the child is old, this 7 * 24 hour non-stop insurance policy will protect him for us.

3、 The earlier the security is configured, the better and cheaper it is to buy

To buy insurance, you often need to do health audits. Children are generally in good health, and it is better to buy insurance than adults.

For long-term products such as serious illness insurance, the younger the child, the cheaper the price will be, and it will be longer to buy insurance earlier.

The earlier we think about it, the better we buy it, and the more comfortable we are as the head of the family.

2、 What insurance does the child need to buy?

Children's medical insurance is necessary. Minor illnesses and accidents can help us reduce some medical expenses. Remember to handle it early. The commercial insurance that we need to consider additionally is mainly serious disease insurance, medical insurance and accident insurance.

Serious disease insurance, which meets the requirements of claims settlement, will pay a lump sum of money at one time, without limiting its use. It can be used as nutrition and rehabilitation fees for children, as well as compensation for parents' lost wages, which can greatly alleviate the economic pressure of small families.

The million medical insurance in the medical insurance covers the expenses that are not reported by the medical insurance, such as many imported drugs, cancer targeted drugs, etc., which are expensive and cannot be reimbursed, so it can be used to crush large medical expenses.

Children are playful and active by nature, and are easy to bump. It is very practical to add an accident insurance.

3、 A set of cost-effective solutions, More than 2000 can guarantee everything

The little secretary compared a lot of products on the market, selected several models with better security and higher cost performance, and made a set of plans.

The total annual premium is only more than 2000, but all aspects of the child's security are very well done, and every amount of money is spent on cutting edge.

1. Serious illness insurance—— Xiaoqinglong No.3

It was chosen mainly because other children are not at risk of serious illness. Other families have some guarantees. It can do better and the price is cheaper.

First of all, the basic guarantee for serious, moderate and mild diseases is very good For serious diseases, there is no need to make multiple claims in groups. The amount of insurance for each claim will increase, and the security will be directly in place.

Secondly, we have provided extra protection for specific serious diseases with high incidence of children, such as 20 kinds of specific children's high incidence serious diseases, such as leukemia, can additionally compensate 120% of the insured amount if they meet the requirements, and can compensate for 4 times accumulatively.

For example, if you buy a basic insurance amount of 500000 yuan, you can finally get 1.1 million yuan. Whether it's treatment before, during and after the treatment, or the follow-up life of the family, you can be more comfortable and no longer need to be tight for money.

In addition, he also brought his own leukemia bone marrow transplantation insurance. In case of misfortune, he could get 50% more basic insurance amount before the age of 18, which would be a timely help.

For children aged 0 or 1, another autistic insurance premium will be sent, and a sum of money can also be paid for treatment or rehabilitation that meets the requirements.

Autism, also known as autism, is a disease that is more and more common now. Previous products rarely saw this guarantee, but there is a temperature.

2. Million medical insurance—— Changxiang'an

Safe Changxiang'an It is a product worth considering. The annual insurance amount is 4 million yuan, and the guarantee responsibility and scope are the leading level among similar products. The part of hospitalization expenses exceeding 10000 yuan can be 100% reimbursed (the threshold will be lowered if no claims have been settled, and the minimum expenses exceeding 5000 yuan can be reimbursed).

There are also two outstanding advantages:

First, it is stable enough to be bought all the time. Many products are not guaranteed to be renewed. If you buy them this year, you may not be able to buy them next year. Changxiang'an The 20 year guarantee is longer at present, which means that you can buy it if you want to renew it within 20 years.

Second, high-quality value-added services. Changxiang'an There are hospital advance payment, expert surgery appointment, global drug search and other services. It is a product of Ping'an Family, and its quality is guaranteed depending on the resources of the Group. In case of real need, parents need not worry.

In short, yes Changxiang'an After that, we can focus on taking care of our children without worrying about medical expenses or other worries.

In addition, it has a family version. Three people can buy 10% discount, and the whole family can share the deductible. The threshold for claims settlement is lowered again, and adults and children can consider it.

3. Accident insurance—— Little prodigy 5

For the products of Pacific Home, the minimum price is 66 yuan a year. If you go to see a doctor due to bumps, burns and other accidents, you will be compensated at 0 yuan, 100% will be reimbursed, and your own medicine will also be managed.

I also took 120 ambulance fees, lost and missing children's assistance, family legal assistance and other responsibilities. It was very easy to lose money in case the bear child accidentally injured others or damaged something that met the requirements.

It should be noted that before buying insurance, health audit should be carried out, such as premature delivery and low weight of children. However, it is difficult for most people to understand, which may leave hidden dangers for future claims. We must carefully study and understand that it is perfectly OK to be a shopkeeper and find a small consultant to help with the review. →→ Free consultant

Finally, a welfare product is suggested for parents to consider → Annual enjoyment Nursing insurance It is a tax priority health insurance that meets the national requirements and can achieve the dual effect of tax credit+saving.

According to the income, we can save 72-1080 yuan every year, which is a national welfare.

Assume that a mother's income tax rate is 20%, buy one for her 0-year-old daughter Annual enjoyment The annual payment of 2400 yuan and 10 years have three advantages:

① Save 480 yuan of tax every year, It is estimated that 4800 yuan can be saved in 10 years. You only need to fill in the tax preference identification code on the insurance policy to the personal income tax APP when handling individual income tax every year. It is simple to operate, and you can refund the tax next year if you buy it now.

② It becomes an exclusive small vault for babies and can be accessed as needed 。 After excluding the amount of tax savings, the actual total premium paid was only 19200 yuan, but in the 10th year, it was 24497 yuan, which was equivalent to 5297 yuan of extra earnings, and the compound interest reached more than 4%, much higher than the deposit Yu'enbao.

③ A free physical examination package, worth 400 yuan 。 The payment period is 5 years or more, but only in May.

Because the maximum amount of deduction is 2400 yuan, you can buy according to this amount instead of buying more.

If the tax rate is 10% or above, it is very cost-effective. For double working families, both parents can buy a share of it, which can be tax deductible. Full time mothers can let Bao Pa configure them.

The amount of tax credit varies with different tax rates. You can ask a consultant to help you make a calculation, and also ask how to check the tax rate and tax refund. If necessary, you can ask for free advice~ →→  Free consultant   →→  Free consultant