Is it necessary to buy 6-year-old education insurance for children?
It takes 19 years from children's kindergarten to university graduation. In this 19 year, parents may spend more money on education than on buying a house.
Let's talk about the cost of the children's playground first. According to the monthly teaching fee of 1.200 yuan, it will be 1.440 yuan in one year and 43,200 yuan in three years. Let's talk about the two stages of primary school and junior high school, which seem to be nine-year compulsory education, but parents spend a lot of money, because at this time, parents will enroll their children in various classes in order to make their children's academic performance better. These courses add up to 10000 yuan a year and 90000 yuan in nine years; In high school, regardless of fees, tuition fees have to be paid, and cram schools have to be reported. One-year cost 15000, three-year cost 45000; Finally, the university stage. This time is expensive in children's annual tuition and living expenses. Add up to 30,000 yuan a year and120,000 yuan in four years. (Source: Sohu Education)
Combined with children's education expenses in kindergartens, primary schools, junior high schools, senior high schools and universities, it is nearly 300,000 in 19, which is only a rough calculation, and does not include the expenses for children to study abroad. If you plan to study abroad, the cost of education will be higher, so do you still think it is unnecessary to buy education insurance at this time? Six-year-olds should start buying education insurance. Buy education insurance early, get education money early, and get more education money as soon as you buy it.
What should I pay attention to when buying education insurance for a 6-year-old child?
1, the premium is not set too high.
Some parents are too anxious when buying education insurance for their children, thinking that they should spend more money, but parents can know that education insurance needs to pay premiums every year, not just one or two years. How much premium is set at the beginning of the purchase, and then the same amount of premium will be paid every year, so it will be paid every year at the beginning and after, but parents and friends should know that the family income will not change with time. What should I do if my family income decreases and I can't afford to pay the premium? Experts suggest that the premium should not be set too high, so that parents will not feel too much pressure even if their income is reduced.
2. Consider the personal protection of children.
The 6-year-old child is jumping up and down, curious about everything, but without any sense of danger and self-protection. Therefore, children are more prone to accidents at this time, and accidents can easily cause harm or even disability to children, which will lead to certain treatment costs and impact on family economy. Therefore, when buying education insurance for children, an accident insurance should be attached to provide accident protection for children.
In addition, although the 6-year-old child's resistance is not as bad as when he was a child, he is also more likely to get sick at this age, and he has a constant cold and fever. In addition, some epidemic diseases are easier to find children of this age. Once a child is sick, there will be treatment costs, and it is no problem to get sick less. In the case of illness, the accumulated treatment costs will also make parents breathless. In addition, there are serious diseases of children. Once the onset is mild, the treatment cost is 70,000 to 80,000, and the severe one is more than 100,000 or even more. Therefore, when parents buy education insurance, they should attach health insurance to their children to provide disease protection for them. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
3. Additional insurance premium exemption clause
Parents began to buy education insurance when their children were 6 years old. Generally, you have to pay the premium for more than ten years. During these ten years, parents can't guarantee that nothing will happen to them. Something really happened. What if I can't pay the premium? Therefore, when purchasing education insurance, parents are advised to attach a premium exemption clause. With this clause, even if the parents die or are completely disabled during the payment period, the insurance company can waive the residual premium, so that the insurance can still protect the children. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
It is necessary for 6-year-old children to buy education insurance. Providing children with education expenses at all stages can effectively reduce the financial burden of parents. Insurance experts suggest that the earlier you buy education insurance, the more appropriate it is.