Category I: Children's accident insurance.
Children have poor self-control, are lively and active, are curious, and are likely to have accidents. A survey shows that accidental injury has surpassed disease to become the number one killer of children's health.
In Beijing, accidental injury is the leading cause of death and disability of children under 18 years old. On average, 139 children are injured accidentally every day in Beijing. In 2003 alone, more than 50,000 children were injured to varying degrees. According to statistics, the awareness of self-protection in early childhood is relatively poor, and it basically depends entirely on the care and protection of parents. Children should take care of themselves in primary and secondary schools, but as a vulnerable group, in order to avoid accidents such as car accidents, parents can buy accident insurance for their children as appropriate, and once their children have an accident, they can get certain financial compensation. This kind of insurance is generally consumer-oriented and not expensive, only a few hundred yuan a year, and all companies have introduced it.
Category II: Children's health insurance.
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 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 insurance age in critical illness insurance, the cheaper the premium. In the past, many companies stipulated that you should be above 18 to buy critical illness insurance. With the increase of insurance products, children under 16 can also buy this insurance. Take a 0-year-old girl for example. You only need to pay about 65,438+0,000 yuan every year, and you can buy 65,438+0,000 yuan of protection to protect your life. And this insurance was only available in the last two years.
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.
The third category: children's education savings insurance.
This kind of insurance mainly solves the tuition problem of children going to school or studying abroad in the future. Higher and higher education expenditure and unpredictable future all give parents a responsibility, so it is very necessary to make a financial planning and arrangement for their children in advance. Raising education expenses for children in the form of insurance is undoubtedly a kind of compulsory savings. Once parents have an accident, if they buy insurance products that can be exempted from paying premiums, their children can not only be exempted from paying premiums, but also get living allowances. In addition, buying insurance can also achieve the purpose of reasonable tax avoidance to a certain extent. At present, many insurance companies have launched educational children's insurance, and designed education funds together with children's death protection. Compared with simple investment channels such as savings, buying educational children's insurance has an extra layer of protection function.
But before buying insurance for children, I suggest you do a good job of protecting adults.
General principles for purchasing insurance:
1, adults first, children second (parents are children's greatest protection. Buy insurance, don't reverse your priorities. The same is true of the inheritance style. Everyone wants to give more to their children. But only with insurance can we fully protect ourselves, which is the embodiment of loving children. )
2. Guarantee first, then manage money.
3. The insurance sequence is general; Accidental medical treatment, serious illness education, and old-age care (investment and financial management)
4. Annual premium expenditure 10- 20% of annual income.
5. There is no need to buy it all at once. Accident insurance can be bought by the whole family. Others should be bought by the family first, and then gradually improved according to economic conditions.
In order to obtain a scientific and reasonable insurance plan, it is suggested that you refer to the above insurance rules, and publish your insurance requirements anonymously according to the set scientific process through the "insurance bidding" function of the third-party insurance intermediate station (which does not belong to any insurance company and does not sell any insurance products), so that you can obtain insurance plans customized for you by different agents of major local insurance companies, compare and choose objectively by yourself, and actively choose what you like without being unnecessary.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.