A few days after Children’s Day was celebrated, there is no better gift than having good health, however we know that this is not always the case and that emergencies occur that worry us and even unbalance us economically.
It should be noted that there are various financial instruments that accompany each stage of life, through prevention, savings, investment and protection tools against all kinds of risks.
In Mexico there are different types of insurance policies that support infants and their families in the face of any unexpected health situation or even as a tool for economic support.
“Many people may think that insurance is a matter for adults, the reality is that it is an essential service for all people at any age in their lives, because only in this way can their well-being and that of all be guaranteed. his family”, says Iñaki Pérez, CEO at salvoseguros.mx.
Therefore, according to the specialized insurance platform, these are some insurances that our little ones need for their growth, development, health and for the care of the family economy:
For newborns: Some insurers offer insurance that protects the life and health of our children from the first day of their birth, in such a way that they will be guaranteed the best private medical care in case they require it due to accidents, illnesses or any type of complication.
According to data from the WHOchildren under 28 days of age are the most likely to develop illnesses or suffer fatal accidents, since it is estimated that on average per year 2.4 million newborns die worldwide. Given this, the best alternative is to have a guarantee of access to first-level treatments in neonatology. These insurances for newborns can be contracted separately or be an extension of the insurance of major medical expenses familiar that we already have contracted.
Major medical expenses: These policies offer access to hospitals, laboratories, clinics and specialist offices of the highest level both in Mexico and abroad, providing the certainty that children will receive the best pediatric care in the event of any unforeseen health complication or in the event of the development of medical conditions. congenital
In addition, by having this type of insurance, we can not worry about the high costs of medical care and additional expenses, since it will be our insurance company that will assume most of the expenses.
Personal accidents: This is a policy that covers medical, hospital, rehabilitation, transfer, disability and death expenses of the minor due to accidents at home, travel, at school or in the practice of any sport that is covered by the insurer.
This insurance is generally necessary if we consider that our little one may be vulnerable to some risk or any other factor that may be unpredictable.
School insurance: Its purpose is to protect students against the risk of accidents inside or outside their study centers, in some cases it also offers to ensure the payment of student pensions in the event of the death of the parent or guardian.
In this case, since the hiring is done directly by the educational institution, it is recommended that parents ask the school for the policy where the insurance specifications and the amount of coverage are reported.
Life insurance and savings for education: This is probably one of the most popular insurances currently, which can be contracted by the parents of the minor from an early age to make considerable savings to pay for all the university studies of their children and guarantee their future.
For this, parents must set a long-term savings goal and make monthly or annual payments to collect said amount that will be delivered to their children at the time they require it.
However, unlike other savings plans, this one has the benefit that the sum is guaranteed even if the parent who owns the policy comes to die or be unable to continue making sick or disability payments.
It also offers many additional coverages, such as support in case of illness, funeral expenses and administration and financial guidance services.
