The college entrance examination season has passed. Looking back on children's learning all the way, 12 years cold window. Although hard work may not be as good as expected, it is a heavy growth history. No one denies that everything in the past is not easy, and no one is willing to be satisfied with the past and stand still. In order to open a better new model in the future, children and parents hope to get more new growth, and the new pursuit of higher education is one of their wishes. To realize this wish, mom and dad will think of education dividend insurance. After all, what is education dividend insurance? How should parents choose? What kind of critical illness insurance are there for children? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.

What is education dividend insurance?

Educational dividend insurance is one of the products of children's dividend insurance. Children's dividend insurance can be divided into investment type and protection type according to functions.

1. Investment-type children's dividend insurance is represented by bancassurance dividend products, which are mainly one-time payment insurance, generally 5 years or 10 years. The protection function is weak, generally only providing personal death or total disability protection, and health insurance or major illness protection cannot be attached.

2. Child protection dividend insurance is mainly ordinary life insurance products with dividend function, such as child dividend insurance and regular dividend insurance. This kind of insurance focuses on personal protection function, and dividend is an additional benefit. Take children's dividend insurance as an example. On the basis of the fixed return of the survival fund, there is also a fixed amount of death or total disability protection. Dividends are distributed according to the operation and investment of insurance companies, and there is no fixed amount. In addition, the guaranteed dividend insurance can usually be used as the main insurance, plus health insurance, accident insurance and critical illness insurance, which is helpful to form a perfect protection plan. 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

How to buy dividend insurance for children's education

1. If the family's economic situation allows, it is recommended to buy education savings dividend insurance for children as soon as possible;

2. The function of dividend insurance for educational savings focuses on compulsory savings, and it also has certain functions of protection and preservation. Parents should regard education insurance as a means of compulsory saving, not an investment tool. When buying an education fund, parents can compare it like this: under the condition of the same cost and term, see which insurance product has higher protection and better income. In general, the total premium expenditure of family insurance should not exceed 10% of family income. How about PICC insurance? I just sorted out the relevant contents, hoping to help you: How is PICC China? Do you have any insurance recommendations?

3. Because the current education insurance is mostly in endowment assurance (that is, the insured can get the insurance money paid by the insurance company regardless of his death during the insurance period), parents should also pay attention to the guarantee cost of the policy when considering the benefits of insurance.

4. Because the main body of education insurance protection is education expenses, parents should not pay too much attention to the additional protection functions of education dividend insurance, such as safety protection or health protection.

Let children have a better start in the future, which is not only the common wish of parents, but also the firm commitment of China Merchants Cigna to guarantee dividend insurance for future education! This product provides you with six reasons to buy and six advantages:

1. The fund is special, and the education expenses are planned in advance for the baby: the child 18-25 years old can receive it every year, and the accumulated basic insurance amount is 400%;

2.30 kinds of serious illness protection, all-round care for children: if the child unfortunately has an accident for the first time after the waiting period and is diagnosed with any of the 30 kinds of serious diseases for the first time, he can get high protection;

3. If the applicant dies after the waiting period, is completely disabled or suffers from a serious illness agreed in the contract (in line with the contract), the remaining expenses can be exempted, and the protection enjoyed by the children remains unchanged;

4. While enjoying comprehensive protection, you can also get extra dividends, effectively resist inflation and increase the value of the account for a long time;

5. Provide free family doctor service, provide telephone consultation on health care issues for children and their parents, establish special files for children, and provide sensitive period guidance and travel medical emergency rescue services for children. Free gift, unlimited times a year!

6. It is more convenient to insure by telephone only; The policy can also lend up to 80% of the cash value of the policy.