The peak of childbirth at the end of the year! There are 4 types of baby insurance that are really p

At the end of the year and the beginning of the next year, during the peak period of baby births, our backend is flooded with inquiries from many parents:

With so many insurance options, which ones should I buy first for my baby? Do I still need to buy insurance if I already have medical insurance? How should I choose the product?

For new parents who are new to insurance, these problems are really a headache...

To be honest, the cheapest insurance is for children; the easiest insurance to buy wrong is also for children!

So in today's issue, I will tell you the most accurate way to buy children's insurance on the Internet . The most cost-effective plan only costs more than 2,000 yuan. If you learn it, you can save at least tens of thousands of yuan . Let's take a look.

After the baby is born, medical insurance must be obtained as soon as possible!

As a national welfare, medical insurance is a must! With it, you can reimburse various expenses such as outpatient, hospitalization, and surgery . The protection is very comprehensive and only costs a few hundred yuan a year.

Before buying commercial insurance for your child, you must first get medical insurance, and it is best to do it as soon as possible.

Because most areas require that the application be processed within 3 months after the baby is born in order to reimburse the medical expenses from the day the baby is born.

Moreover, after the baby has medical insurance, the premiums for commercial insurance such as medical insurance will be cheaper and the reimbursement rate will be higher.

Here we mainly want to talk about a point that is easily overlooked after everyone has arranged medical insurance for their children.

Generally speaking, the fixed payment period for medical insurance is from September to December every year. However, there is no such restriction for newborns to buy medical insurance, and they can apply for it within one year of birth.

But in the second year, the baby must renew the medical insurance according to the payment schedule. Once the payment schedule is missed, it cannot be repaid and can only be renewed next year, which means that the baby will not be covered for the entire year.

Therefore, everyone must pay attention to the annual medical insurance payment time and deposit the premiums into the bank card in advance to avoid interruption of coverage.

If I have medical insurance, what other insurance do I need to buy?

However, although medical insurance is good, there are limits on the reimbursement ratio. If you need to see a doctor for a serious illness, you may have to pay a lot of money. Therefore, it is not enough to rely on medical insurance alone to protect your children, and commercial insurance is also needed to supplement it.

Unlike medical insurance, commercial insurance has health requirements . Therefore, it is recommended that you buy insurance for your baby as early as possible to avoid abnormalities in physical examinations that affect insurance coverage.

Generally speaking, we can also configure the following types of insurance for babies:

• Accidental injury is the biggest risk faced by children , ranging from falls and burns to traffic accidents. Accidental insurance can cover all of them. Among them, we should focus on accidental medical protection and choose products with better reimbursement conditions.
• Million-dollar medical insurance: It can reimburse large hospitalization medical expenses caused by accidents or illnesses. After reimbursement by social insurance, the part exceeding the deductible of 10,000 can be reimbursed 100% if conditions are met, making up for the shortfall in medical insurance reimbursement.
• Critical illness insurance: A diagnosis of a serious illness such as cancer can directly pay hundreds of thousands of yuan . If a child is sick, one parent may have to quit his job to take care of the child. This money can be used as compensation for income loss during this period and can be used to pay for living expenses, nutrition expenses, and rehabilitation expenses.

For many parents, taking their children to see a doctor is not only expensive, but the poor medical experience is also a problem . They often have to wait in line for 3 hours and see the doctor for 2 minutes. After a day of trouble, not only do the children suffer, but the parents are also exhausted.

If a child is sick and can avoid the crowds of a public hospital and go straight to the special needs department, the international department, or a top private hospital such as United Family Hospital, it is hard for parents not to be tempted.

This is difficult to achieve with ordinary medical insurance, but it can be achieved with mid- to high-end medical insurance , so many parents and friends would rather spend a little more money to provide their children with one.

However, this type of insurance is relatively expensive, with annual premiums of several thousand yuan, and is more suitable for families with sufficient budgets. For most families, buying a million-dollar medical insurance is enough.

It should be noted that these insurance policies generally require the baby to be at least 28 days old before they can be purchased . You can learn about them in advance and purchase them directly after the baby is 28 days old.

Two baby plans, suitable for families with different budgets

We have designed the following two plans using "0 years old, boy" as an example. These plans are designed based on our years of experience in plan configuration and can be used as a reference for children aged 0 to 17!

For most ordinary families , the protection of Plan 1 can basically meet their needs; if the family budget is sufficient, prefers products from large companies, and wants children to have a better medical experience , you can refer to Plan 2:

Each person's situation is different, and the appropriate product may be different. If you want to customize an insurance plan for your child for free, or have any questions you want to consult, you can click the link below to make an appointment with a professional:

Let’s look at these two solutions:

Option 1: A cost-effective choice for ordinary families

• Accident insurance: I chose Little Prodigy No. 3 , a big brand of Ping An. It basically reimburses 100% of the medical expenses caused by accidents such as falls and burns . In case of accidental disability, the maximum compensation is 400,000.
• Critical illness insurance: I chose Bumblebee No. 12 (Renewal Edition) for lifelong insurance, which can provide my child with a lifelong critical illness insurance, and it is very cost-effective.
• Million-dollar medical insurance: The new product Blue Medical Insurance (Good Doctors and Good Medicines Edition) provides comprehensive coverage for purchased medicines and can transfer the economic risks brought by serious illnesses . Through social security reimbursement, hospitalization medical expenses exceeding 10,000 can basically be reimbursed, and renewal is guaranteed for 20 years . During this period, renewal can be achieved in case of claims, product discontinuation, etc.

Option 2: Accident insurance renewal saves time and effort, with sufficient budget, giving children a better medical experience

• Accident Insurance: Ping An Little Naughty Boy (guaranteed renewal version) . This product not only provides good protection, but also guarantees renewal until the child is 18 years old. You no longer have to worry about the trouble of product discontinuation and replacing products for your child every year. It is really worth considering!
• Critical illness insurance: Qingyunwei No. 5 , a product from a large company that provides lifelong insurance , only costs 2,000+ for lifelong insurance, providing comprehensive and secure protection~
• Mid- to high-end medical insurance: I chose MSH Xinshengdai 2023 (Plan B) . This product not only reimburses the expenses of high-end private hospitals such as United Family Healthcare , but also allows you to enjoy the resources of the international departments of top domestic tertiary hospitals such as Peking Union Medical College Hospital , and has 0 deductible for hospitalization . The insured amount is 2 million, and the overall protection is very good.

This plan costs more than 7,000 yuan, which is relatively expensive, but it is actually only about 600 yuan per month. Parents can save some non-essential household expenses and give their children a better medical experience. It is very worry-free. After purchasing, there is no need to worry about troublesome issues such as product renewal and discontinuation of sales. It is suitable for reference for families with sufficient budget!

In addition, the mid-to-high-end medical insurance of Plan 2 can also provide additional outpatient coverage. If the baby is weak at birth and has to go to the hospital frequently for minor illnesses and pains, you can consider adding it if the budget allows. The first 10 outpatient visits can be reimbursed 100%, and 50% will be reimbursed each time from the 11th visit onwards.

But I would also like to remind everyone that many products have health requirements. If your child has abnormal conditions such as premature birth, jaundice, etc., you should pay special attention to health information when taking out insurance.

Last words

In general, after the baby is born, we should apply for children's medical insurance as soon as possible , which can save a lot of money.

In addition to medical insurance, children should also be provided with accident insurance, critical illness insurance and medical insurance to provide more adequate protection.

There are many choices of medical insurance. For most families, a million-dollar medical insurance is enough. If you have sufficient budget and higher needs, you can consider buying a mid- to high-end medical insurance for your children , which will provide a better medical experience.

In short, it’s up to you to choose according to your own situation.