Introduce three kinds of child insurance
Children's illness, accidents and education expenses are the three major expenses that parents have to face. There are many kinds of children's insurance in the market, but there are nothing more than three categories, namely: children's accident insurance, children's health insurance and children's education fund insurance. Parents should pay attention to the protection of health, accidents and education when buying insurance for their children. 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? Inventory of 20 Best-selling Medical Insurance in 2020
1. Children's accident insurance. Because children have poor self-control and are lively and active, they have no sense of self-protection and are likely to have accidents. According to the survey, accidental injury has become the number one killer of children's health. For example, in Beijing, accidental injury of children is the leading cause of death and disability of underage children. On average, more than 100 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 consciousness of self-protection in early childhood is poor, and it basically depends entirely on the care of guardians; Children should take care of themselves when they are in primary and secondary schools. However, as a vulnerable group, it is still prone to some unexpected situations, such as car accidents and drowning, so 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 generally belongs to consumer insurance, and the insurance cost will not be very high, only a few hundred yuan a year. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!
Second, children's health care insurance. According to reports, major diseases tend to be younger, and high medical expenses for major diseases have become a heavy burden for some families. According to the current medical system, children of this age are basically in a state of no medical security. Once a child gets sick, there are hundreds of minor illnesses and hundreds of thousands or more serious illnesses, which are unbearable for ordinary families. Therefore, it is wise to buy a child health insurance and share the child's medical expenses with the insurance, and the younger the insured in critical illness insurance, the cheaper the premium.
Third, children's education fund insurance. This kind of insurance mainly solves the tuition problem of children going to school or studying abroad in the future. Faced with higher and higher education expenditure and unpredictable future, many parents are at a loss. Therefore, it is very necessary to make an educational plan for your children in advance. It is a good choice to raise education expenses for children in the form of insurance. In addition, buying education insurance is also a compulsory means of saving, because it needs to be paid on time. If you buy an insurance product that can be free of premium, you don't have to worry about paying the premium once the parents have an accident. Children are not only exempt from paying premiums, but also enjoy protection. It can be said that this kind of insurance has both the nature of saving and the nature of protection.
To buy insurance for children, the order is generally children's accident insurance, children's health insurance and children's education fund insurance. Two things should be paid attention to when buying children's insurance.
Child insurance purchase
The insurance period should not be too long.
Although children are parents' treasures, to buy insurance for children, no matter what insurance products you choose, the guarantee period cannot be too long.
First, if it is too long, it will increase the financial burden of parents. After all, parents are old and young, and the pressure of life is not small;
Second, when children grow up, they should choose the insurance that suits them better. Maybe what you bought him can't meet his security needs when he grows up.
Therefore, buy insurance for children, the insurance period should not be too long, and it can be guaranteed to adulthood.
The insurance fee should not be too high.
Parents buy insurance for their children, always thinking that the premium will be higher and the protection for their children will be higher. Some people even have the psychology of keeping up with the joneses. I'll buy as much insurance as you want. I always feel that the insurance coverage is low and I have less love for my children. In fact, to buy insurance for children, the insurance cost should be combined with the family's economic income. If conditions permit, you can buy a higher amount of insurance for your child. If natural conditions are not good, you can appropriately reduce the amount of insurance. It is generally appropriate to buy insurance for children, and the premium expenditure is between 5%- 10% of family income.
Children's insurance is very important and can provide strong protection for children. Although children are protected by their parents, parents sometimes have limited ability. It is necessary to compensate for a child insurance to ensure the personal safety of children.