想幫BB買保險

想幫16個月BB買保險，每月供幾錢?

門診
每月供 hkd 245.5

住院醫療
每月供 hkd 238

人壽/危疾(終身) hkd 20萬
每月供 hkd 243

儲蓄
每月供 hkd 500 -1500 都有, 看你想草幾多

depends on your goal.

if for protection, given that the chance of a baby falling sick is low, it is not really necessary to buy medical insurance for the baby.

if for saving, depends on the purpose of that saving. if it is to fund the baby's future study, then you would have an investment horizon of over 15 years. with this long horizon, you can consider ETF like Tracker Fund of Hong Kong. it provides you with dividend and potential capital gain. Most importantly, it is cheaper to buy ETF. For saving insurance policy, basically your first year premium would go to the insurance agents as selling cost. Your premium will start investing only in the second year and onwards. This is based on the disclosure in a draft insurance saving plan I have seen in Singapore.

其實要視乎你自己既預算，同埋要求既內容。詳細可以pm我。
我係一個broker，會有唔同公司既product比你比較，幫你節省時間。

個人意見,

最基本就要買住院先啦, 因為一入院無一萬都要八千先出得到院

之後就考慮意外同危疾

本人好少賣門診, 因為好多人公司團體都包左親屬門診, 加上小朋友健健康康, 無乜機會一個睇到兩次以上醫生, 門診計返唔係咁化算

再之後能力許可就考慮教育基金, 為佢將來讀書作好打算

如果仲有少少儲蓄空間, 就幫佢儲定買樓首期或創業基金

保費方面豐儉由人, 由最基本只要住院大約$200個月到有人幫個仔諗埋退休$30,000個月都有, 請自己計一計或者找個保險經紀幫你計下你每月可動用資金再決定

利申 - 我都係一個保險經紀

如儲蓄每月供幾多?醫療供到幾多歲呢?

閣下想為BB買甚樣的險種? 如醫療/危疾/儲蓄/人壽/或是其他??
或者閣下最關注的是什麼? 教育基金或者醫療開支??
而月供是按個人而定的, 大約每月平均收入之8-12%, 閣下有否計過這預算嗎??

視乎你要買咩保險,有儲蓄,醫療,危疾等
由於兒童不是家庭經濟支柱，投保的目標主要是儲蓄，因此，兒童保險是以教育基金形式為主。此外你可以幫小朋友買醫療及危疾.
如果剩係醫療及危疾,大概$800一個月,保費視乎保額大小.
詳情可以pm我