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What is Kangtai Children's Dividend Insurance?
In fact, there are only a few kinds of insurance for children, but the burden of the family should be considered when buying. Generally speaking, it is suggested that a family's annual insurance premium (annual premium paid for insurance) accounts for 10%~20% of the whole family's income. Unless the conditions are particularly good, too much will affect normal life.

There are the following types of insurance suitable for children to buy:

First, accident insurance. The reason for buying accident insurance for children is that he is still young, and all aspects of life need to be taken care of by adults. However, if an adult is not careful and a child stumbles, the insurance company will pay for it if there is accident insurance, so that adults and children can recover with peace of mind without worrying about the cost. That's true, but in terms of cost, accident insurance is relatively cheap and will not be a burden for normal families.

Second, children's education insurance (also called children's education fund). First of all, I want to explain that children's education insurance is not limited to providing cash flow for children's future education. It's just a common name of dividend annuity, because this kind of insurance is mainly bought by parents for their children. Then the reason for buying children's education gold insurance for children is to make a compulsory deposit for children and enjoy the dividends due from the insurance company and the company, and it is in the form of compound interest. In layman's terms, it is profitable. Then this kind of insurance can provide a stable cash flow for children for a period of time (this period can be a lifetime), and it can also be considered as a worry for parents.

Third, a savings-oriented critical illness insurance. This kind of insurance can be summarized as follows. If nothing happens, it is regarded as compulsory savings, which is still in the form of compound interest. If something goes wrong (unfortunately, a major disease is diagnosed), you can get a large amount of compensation immediately, and you don't have to worry about high medical expenses. There are three reasons for buying a savings critical illness insurance for children: First, it really solves the worries of children, because what he is most worried about in the future may not be that he can't make money, but that if he gets a serious illness one day, I am afraid that hard-earned money will not be enough to pay for high medical expenses. This insurance can be said to be a real timely help. Second, the insurance premium is directly proportional to the age. The older the insurance premium, the more expensive it is. The premium will increase by about 3% every year, so the younger, the more cost-effective, and the longer the guarantee time. Third, the money is equivalent to being deposited in an insurance company, and you can still get higher interest or compound interest than the bank. The company's dividend can be collected every year. If you don't need it in the future, you can also surrender and take out the money inside (the amount of money is related to the time of surrender). Death is also highly guaranteed and compensated. Why not buy it?

I hope my answer can solve your question. The following are some of my supplements, which can be ignored if the subject thinks it is an advertisement.

-The dividing line.

First of all, I am a mainland Hong Kong drifter, working for a large insurance company in Hong Kong. If the subject has the opportunity, he can learn about insurance in Hong Kong. Compared with mainland insurance, Hong Kong insurance has the following advantages:

The first is the rate advantage, because the insurance cost is calculated by actuaries according to the life expectancy, morbidity and mortality of the local population. The average life expectancy in Hong Kong is 85 years, and that in the Mainland is 75 years, so the cost in Hong Kong will be much cheaper. For the same type of products, the price in Hong Kong will be one-half to one-third cheaper than that in the Mainland.

Second, the rate of return. The policy dividend in Hong Kong is generally 5%~9%, and that in the Mainland is about 2.5%. In recent years 10, the dividend in Hong Kong has never been less than 5%.

Third, the exemption clause (the clause exempting the insurance company from liability). Mainland insurance policies are full of various exemption clauses, while Hong Kong has almost no exemption clauses, and there is also a "non-controversial" clause, which means that as long as the insurance policy exists for more than two years, it must take effect, and the insurance company must not have any objection.

Fourth, safety. Children in China can only buy 65,438+million yuan at most, and those who exceed 65,438+million yuan need a physical examination, while Hong Kong is 18 years old and under $250,000, so they don't need a physical examination.

Fifth, major disease types. There are generally about 30 kinds in the mainland, 40 kinds are better, and the treatment methods for major diseases are limited. The patient must be treated in the prescribed way. In Hong Kong, there are 100 major diseases.

Sixth, claim settlement. Claims in Hong Kong are very simple. The insured need not come to Hong Kong by himself. He only needs to send the claim materials to the insurance agent by mail, e-mail or fax, and the insurance agent will help the insured to settle the claim. The company will directly write a check or remit money to the insured's bank. As long as the documents are complete, a check will be issued within 7 days. The average settlement speed of our company is 23 hours.

If this information is useful to you, you can refer to it and leave me a message if necessary.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.