Explain health insurance to your child before he gets a medical check-up.

In elementary school, children of this age are introduced to some common insurance, and children of this age begin to understand the role of insurance, especially the role of health insurance in our daily lives. The following can help them understand this concept.

If you don't take good care of your own things, you will pay for it.

If a child deliberately destroys something, you may think that punishment or at least a reprimand is inevitable. But what if he accidentally throws a tray into a trash can while he's at school at noon, or if he's fighting with other kids, damaged public property (my brother did just that)? This is a tricky one for a child who regrets it. When your child loses something for the first time, you may forgive him and tell him to lose some money if he loses something once.

Of course, everyone makes mistakes. But if you find that your child always loses three, such as a pair of glasses in a few months, or a jacket every spring, you need to let your child pay attention and make him more responsible for himself. You can tell him that every thing you throw or break is a real loss. You may be asking him for compensation, which may cost him months of pocket money, so you can split the bill and ask him to pay only a fraction of it, which can be paid in a lump sum or in installments. Even if your home can easily fix or buy a replacement, you need to pass on that message to your child. My friend's fourth-grade boy lost the library book. The library sent a notice of arrears. My friend asked her daughter to make up the arrears in instalments. Her daughter never lost any more books.

Explain health insurance to your child before he has a medical check-up.

Explain to your child what you're doing every year when you have a check-up, not paying him to see a doctor. Tell him that the profession of a doctor is the same as other occupations we talk about, their job is to help people stay healthy, we usually have regular check-ups, and when we are sick, we see a doctor to take medicine. We need to pay doctors for their work. The coolest part is that we don't have to pay for it ourselves, and the insurance company will pay them.

So, when we go for a check-up, it can cost $150, but insurance basically covers most of the costs, and you might only have to pay $20. You can explain to your child the most basic concepts, such as where you buy these insurance, you can buy insurance from a company, you can buy insurance from a company where the couple works, or from the government, or from another insurance company to buy special insurance for yourself.