Three reasons to insure your child.
Relieve the unexpected pressure: According to the survey of more than 40,000 children in 1 1 cities nationwide, 20% ~ 40% of children in China die, become disabled or receive medical treatment due to accidental injuries every year. Accidental injury of children has become one of the most serious social, economic and medical problems. Children are active by nature and don't know what danger is. Therefore, it is necessary to insure children against accidental injury. This kind of insurance is generally consumer, and the price is not expensive, only a few hundred yuan a year, such as Taiping Life's "Taiping Comprehensive Accident Insurance" and "Taiping Children's Accident Insurance".
Reduce the medical burden: The survey shows that parents pay special attention to their children's health. At present, major diseases tend to be younger, and the high medical expenses for major diseases have become a heavy burden for some families. According to China's current medical system, children in China are not included in the social security system, and children of this age are basically in a state of no medical security. Therefore, sharing children's medical expenses with insurance has become an important factor to consider when insuring children's insurance. The younger the insured age in critical illness insurance, the cheaper the premium, such as "Sunshine Angel Children's Critical Illness Insurance (Return Type)", "Taiping Yikang Lifelong Critical Illness Insurance (Lifelong Type)" and "Taiping Fulu Double-turn Lifelong Critical Illness Insurance (Incremental Type)" of Taiping Life Insurance. Take a 0-year-old girl as an example, and buy "Taiping Fulu Double-to-Lifelong Critical Illness Insurance (with increasing coverage)", and pay the fee until she is 55 years old. Only 990 yuan can buy an annual payment of 654.38+10,000 yuan to ensure her life.
Now the child has a cold and fever and is often hospitalized. Accumulated, the cost is not small. When considering buying insurance, it is recommended to buy additional hospitalization insurance. In this way, if the child is ill and hospitalized, part of the medical expenses can be reimbursed, and the hospitalization subsidy of 20-50 yuan/day is still worthwhile. Children and adults have different diseases, so a reasonable choice of insurance can pass on children's medical risks and effectively protect family assets from loss. Such as "Taiping True Love Health Insurance".
Reserve education fund: In Shanghai, it has been calculated that from the birth of a child to the graduation of a university, the work needs to cost about 300,000 yuan, which does not include the cost of learning piano, painting, ball games, remedial classes and other arts, the living expenses of children and the factors of rising prices. It is advisable to choose insurance products whose insurance coverage increases year by year or pays dividends, so as to offset some basic inflation and also have the effect of investment. Such as "Taiping Splendid Future Education Gold Insurance (Dividend-sharing Type)".
Raiders II: Eight Benefits of Insuring Children
● Cheap premium: The mortality rate of children is lower than that of adults, so the premium is naturally low. For example, the premium of a 30-year-old male is 3.5 times that of a boy aged/kloc-0.
● Great underwriting opportunities: The older you get, the more physical problems you have, and childhood illnesses sometimes affect your future. The sooner you apply for insurance, you can avoid being charged or refused insurance.
● Establish a good long-term risk planning: educate children about insurance projects and advantages, and instill a good insurance concept.
● Continuation of parental love: As children grow up, parental care and love are also reflected in the insurance policy.
● Reduce children's burden in the future: When children are adults, they can have lifelong protection after paying insurance premiums, and there is no need to pay insurance premiums.
● Insurance payment is completely tax-free: according to the tax law, life insurance payment is tax-free.
● Transfer property to children: transfer assets to children's names by helping them buy insurance.
● Cultivate children's sense of responsibility: cultivate children's good values, help share insurance premiums when they grow up, and cultivate a sense of responsibility.
Raiders III: Nine Skills for Insuring Children
● Abide by the principle of "being near before being far, being urgent before being slow". Risks that are easy to occur in childhood should be insured first, and risks that are far away from children should be insured later. There is no need to buy it all at once, because insurance is also a kind of consumption, which will change according to the specific situation.
● The payment period need not be too long. You can concentrate before your child is underage, and when your child grows up, you can choose the insurance that suits you, but the protection period can be relatively long.
● In Shanghai, children aged 0- 18 can participate in the Children's Hospitalization Fund. After paying 60 yuan every year for 0-5 years old and 50 yuan every year for 6- 18 years old, you can get medical insurance with the maximum amount of 654.38+10,000 yuan per academic year after seeing a doctor in 342 designated hospitals in Shanghai. In addition, a few welfare units can reimburse some medical expenses for employees' children; It is also possible for schools to handle group accident insurance in a unified way. When parents insure their children, they only need to supplement those insufficient parts.
● If the child has already gone to school, he has already bought Xue Ping insurance at school, so pay attention to timely payment. After all, Xue Ping insurance is a group insurance with low premium and high protection. You can also combine your own insurance to provide children with comprehensive growth protection!
● Protect adults first, then protect children. Children are given priority in insurance, but adults themselves are ignored. This is the most serious misunderstanding. Adults are the economic pillar of the family and the best "umbrella" for children. If you only buy insurance for children and adults don't buy it themselves, then when an adult has an accident, the family is likely to get into trouble.
● Pay attention to safety before education. Many parents spend a lot of money to buy education insurance for their children, but don't buy or ignore accident insurance and medical insurance, which puts the cart before the horse. The probability of children suffering from accidental injuries is relatively high, and the probability of headache, brain fever and hospitalization is much higher than that of adults. Therefore, insurance experts suggest that the order of buying insurance for children should be accident insurance, medical insurance and critical illness insurance for children. On the basis of all these insurances, consider buying education insurance.
● The insurance period should not be too long. For many families who are not particularly well-off, especially when adults' own pensions have not been reserved enough, it is really unnecessary to consider the issue of children's pension. Therefore, when buying insurance for children, the insurance period should be at the age when they graduate from college, and then they should be self-reliant.
● The insured amount shall not exceed the limit. Insure children with insurance (such as term life insurance and accident insurance) with death as compensation condition, and the accumulated insurance amount shall not exceed 654.38+10,000 yuan, because the excess amount will be invalid even if the premium is paid. This is a mandatory requirement made by the CIRC to prevent moral hazard. In order to earn more commission, a few agents don't give tips even if the amount insured by customers exceeds this limit. Therefore, before insuring your child with commercial insurance, you must first find out what protection you have. How much gap does commercial insurance need to fill?
● Purchase additional insurance free of charge: It should be noted that premium-free additional insurance should also be purchased when purchasing the main insurance. In this way, if parents cannot continue to pay premiums for some reason, the protection for their children will continue to be effective.
Raiders IV: Insurance Rules at Different Stages
Huang of Shanghai branch of Taiping Life Insurance thinks: Generally speaking, the earlier you buy insurance, the lower the premium. The more suitable for parents, the sooner children can be protected. However, if you start thinking about buying insurance for your children now, the emphasis and amount of insurance for children of different ages are different.
● From the moment you are ready to have a child, your mother should plan for your child's health protection. You can get insurance through separate maternal and child insurance or comprehensive insurance for women with maternity insurance, both of which will include the protection of the baby's congenital diseases. Families with insufficient budget can buy maternal and child insurance. Such as "Taiping True Love Gynecology Insurance" and "Taiping True Love Maternity Insurance".
● After the child is born, because the resistance of children aged 0-6 has not yet formed, you can "buy" hospitalization medical insurance for your baby. However, it should be noted that the hospitalization rate of young children is very high, so the hospitalization expense rate of these children is higher than that of children aged 7 ~ 18, and even higher than that of young people in their twenties. Therefore, considering the input cost of insurance, if the family's economic situation is not very good, it is enough to buy reimbursement hospitalization insurance; If the family budget is sufficient, you can add a hospitalization allowance insurance, which can make up for the delayed work income of parents taking care of sick children.
In early childhood, due to the high probability of neonatal death and poor resistance of preschool children, it is easy to get some epidemic diseases. The insurance with death as the payment condition is not high in payout ratio at this time. Generally speaking, the age of death is less than 1 year, and the proportion of compensation accounts for 20% of the insured amount; 1 children over one year old but under two years old, the payment ratio is 40%; For children over 2 years old and under 3 years old, the payment ratio is 60%; For children aged over 3 and under 4, the payment ratio is 80%. Only when you are over 4 years old can the contribution rate reach 100%. Therefore, it is suggested to buy more insurance for hospitalization medical compensation. Parents who have the ability can consider planning their children's education funds as early as possible.
● Children after the age of 6 have their own activity time, but their self-protection ability is still poor, and the possibility of accidents is high. It is also a good choice to attach an accident medical insurance for children after accident insurance to deal with emergency and hospitalization expenses caused by accidents.
In the primary school stage, due to the large hidden dangers of accidents, the investment in accident insurance should be appropriately increased, and the saving of future education funds should be considered when conditions permit. Of course, if the family conditions are good, we can consider saving the future education fund soon after the birth of the child, so that the annual premium burden can be reduced.
With regard to critical illness insurance, parents can buy regular or lifelong critical illness insurance for their children according to their financial strength. Of course, if the baby's family has a history of major genetic diseases, then it is necessary to insure the child with critical illness insurance as soon as possible to prevent the disease from causing the inability to bear the cost of treatment.
Raiders 5: Insurance Guide for Different Economic Strength
Average financial strength: consider buying accident insurance and medical insurance (subsidies and medical care). Children's awareness of self-protection in infancy is relatively poor, relying entirely on the care and protection of their parents, and the incidence of diseases is higher than that of adults. At the same time, children's accidents such as car accidents increase in kindergarten, primary school and middle school, and parents can buy such insurance for their children as appropriate. Once a child is sick or has an accident, he can get some financial compensation. This kind of insurance doesn't cost much, but the protection is good.
Economic strength is acceptable: consider critical illness insurance. On the basis of purchasing the above insurance products, increase the critical illness insurance. Due to the heavy burden of high medical expenses for major diseases, a family is often under great economic pressure. In the past, insurance companies refused to insure young children, but now they are relaxed.
Strong economic strength: education insurance can be increased for children. Education insurance mainly solves the problem of tuition for children to go to high school, university or study abroad in the future. It should be said that if parents have strong financial strength, buying education insurance is only "compulsory savings", and its income is slightly higher than that of time deposits, which can avoid interest tax and provide a family financial planning.
Strong economic strength: you can buy some financial insurance. After the above-mentioned guarantees are complete, if the family's economic strength is really strong and you want to give your baby more protection, you may wish to ask the insurance company to provide some financial insurance for combination. For example, Taiping Life's "Taiping Life", children can "participate" in financial management after 30 days. During the payment period, children can get a refund of 5% of the insured amount every three years, and at the end of payment, they can get a refund of 10% of the insured amount until life. In addition, children can also participate in the dividends of insurance companies every year.
Huang warned:
First, the "new mother" and "new father" buy insurance for the baby, and the insurance premium does not exceed10% of the insured's annual income;
Second, if the economy is not particularly affluent, the insurance coverage for major diseases of children's insurance can be set at 50,000 yuan to 654.38+10,000 yuan, which can dispel the concerns of most major diseases;
Third, the products of various insurance companies are similar, but the packaging combination is different. Therefore, the choice of insurance agent is more important;
4. If you are dissatisfied with the insurance contract after comparison, or hear that there are more suitable products, you can make full use of the hesitation period to terminate the contract;
5. After buying insurance, remember to take time to rummage through the drawers, know what insurance protection your child has in time, and get the money on time.
This is definitely not in the social security stipulated by the state. Did your company or yourself have commercial insurance before?
Defendant: bad ballet- Assistant Level 2 3-2 15: 18.
I deserve my permission. How is that possible? Please refer to the following contents and open the website to find out.
Education fund account
Basic education security plan
1. What are the characteristics?
A life insurance plan specially designed for children aged 0 to 1 1 year.
A savings plan designed for those whose children prepare for education early.
This plan includes the main life insurance contract "AIA cornucopia endowment insurance (dividend-paying)" (QSPE) and the additional contract "AIA plus Love University Education Annuity Insurance (dividend-paying)" (EFB).
Enjoy comprehensive protection until the age of 80.
When the insured reaches the age of 80, the insured can get the full amount as a gift.
During the validity of the insurance contract, the insured can get 8% of the basic insurance amount in cash every three years.
University education annuity guarantee: during the four years from 18 to 2 1, the insured can get the university education annuity every year.
Education fund, icing on the cake: the allocated education fund will be paid to the insured together with the university education annuity.
Flexible planning and additional insurance at any time: the amount of education annuity can be purchased flexibly by you according to your own planning for your child's future education, and you can add insurance at any time.
The insurance amount of the main contract is increased by 2.5% of the basic insurance amount every five years until the contract expires.
Education fund insurance is to establish an education fund for children to pay for future education by purchasing the education fund insurance of commercial insurance companies. It has the functions of saving and insurance at the same time, and some dividend insurance also has certain investment functions.
The first advantage of education fund insurance is that it has the function of compulsory savings. Parents can choose insurance types and insurance quotas for their children according to their own expectations, and then continue to invest and persist for a long time, which can solve the large expenditure of children's future growth education. The second advantage is that the security is great. After the insured (father or mother) joins the insurance, no matter whether he can continue to accompany the child to grow up, he can ensure that the child can get the agreed amount of education funds to complete his studies in the future. The third advantage is that it is paid in installments, and the payback period is relatively long, covering the main period of high tuition expenses, and it can provide additional protection in terms of accidental injury or death due to illness and high disability. The education insurance of insurance companies is generally aimed at children aged 0 ~ 14.
Although education gold insurance has these advantages, the investment cost is relatively high, so the smaller the children, the greater the investment value. It is recommended to buy for more than ten years. Once insured, don't surrender easily, otherwise the loss will be greater.
Children's insurance should really start with the most basic types of insurance, and medical expenses and accidents are the focus of children's insurance. According to the current national basic medical insurance system for urban workers, children can only enjoy half of the medical insurance with one of the adults. The insurance liability of commercial health insurance is very comprehensive. Children's insurance premiums are cheap, and some insurance liabilities are lifelong. In addition to the main insurance, parents can also choose some additional insurance for their children to cope with some sudden medical expenses.
Accidents are the most common problems for children, and commercial accident insurance is a must-buy product in children's insurance, whether it is primary insurance or additional insurance. The guarantee function of children's insurance usually includes more death responsibility besides survival responsibility. For example, when the insured dies, the death insurance premium is paid or the premium paid is returned. Most types of insurance also bear the responsibility of the insured's death or high disability, and some also pay growth annuities in the form of annuities. In addition, continuous life insurance is newly introduced on the market. This kind of insurance regards parents (one party) and children as co-insured, which makes the degree of protection obtained by children closely related to the living conditions of parents, and further embodies the protection function of insurance.
1. What are the characteristics?
A life insurance plan specially designed for children aged 0 to 1 1 year.
A savings plan designed for those whose children prepare for education early.
This plan includes the main life insurance contract "AIA cornucopia endowment insurance (dividend-paying)" (QSPE) and the additional contract "AIA plus Love University Education Annuity Insurance (dividend-paying)" (EFB).
Enjoy comprehensive protection until the age of 80.
When the insured reaches the age of 80, the insured can get the full amount as a gift.
During the validity of the insurance contract, the insured can get 8% of the basic insurance amount in cash every three years.
University education annuity guarantee: during the four years from 18 to 2 1, the insured can get the university education annuity every year.
Education fund, icing on the cake: the allocated education fund will be paid to the insured together with the university education annuity.
Flexible planning and additional insurance at any time: the amount of education annuity can be purchased flexibly by you according to your own planning for your child's future education, and you can add insurance at any time.
The insurance amount of the main contract is increased by 2.5% of the basic insurance amount every five years until the contract expires.
Education fund insurance is to establish an education fund for children to pay for future education by purchasing the education fund insurance of commercial insurance companies. It has the functions of saving and insurance at the same time, and some dividend insurance also has certain investment functions.
Very good!