In family life, there are mainly two kinds of expenses related to children's health: one is the child's serious illness; One is that the child is hospitalized. At present, major diseases tend to be younger, such as malignant tumors such as leukemia, and specific major diseases that infants are prone to, such as Kawasaki disease and severe myocarditis. According to the current situation of China's basic medical insurance 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.
At present, the common childhood diseases are mainly respiratory and digestive tract diseases, such as upper respiratory tract infection, bronchitis, pneumonia, diarrhea and so on. , often hospitalized, accumulated a high cost. Therefore, when considering buying insurance, parents are advised to buy additional hospitalization medical insurance and hospitalization allowance insurance. In this way, in the case of hospitalization, most of the medical expenses can be reimbursed, and the hospitalization subsidy of ~ 100 yuan/day in 50 yuan can be obtained.
The characteristics of insurance: low premium, high security and no return. Applicable family: basic purchase, children's physique is weak.
Tips:
The younger the insurance age in critical illness insurance, the cheaper the premium. In the past, many companies stipulated that people above 18 could buy critical illness insurance, but with the increase of insurance products, children below 16 can now buy this insurance.
Children's education savings insurance-savings children's insurance
In recent ten years, the educational expenditure brought by the marketization of education has soared, and the concept of family consumption has changed. More and more parents are willing to invest their limited resources in the education and training of their children and make financial planning and arrangements for their children in advance.
Education savings insurance is mainly to solve the tuition problem of children going to school or studying abroad in the future. Raise education expenses for children in the form of insurance. After purchasing insurance, you need to pay the insurance company on time. As a compulsory deposit, it can guarantee the children's future expenses. 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. Therefore, this kind of insurance is mainly based on savings and security.
The characteristics of insurance: regular fixed payment, more deposits and more returns, and protection beyond savings. Applicable families: targeted medium and long-term reserves.
Tips:
At present, many insurance companies design education funds and children's death protection together, so buying education funds insurance has an additional protection function compared with simple investment channels such as savings. In addition, buying insurance can also achieve the purpose of reasonable tax avoidance to a certain extent.
Children's investment and financial insurance-investment-type children's insurance
Investment-linked insurance is a new type of insurance that integrates security, savings and investment. Different from other types of insurance, investment-linked insurance can better integrate the advantages of risk protection and financial planning. Investment insurance, especially universal products, can solve the problem of large expenditures such as children's education (study abroad), entrepreneurship and pension at the same time. At present, the specific insurance schemes of various insurance companies are not the same, but usually parents plan the study abroad expenses and future start-up funds for their children before they reach adulthood; When the children grow up, they will take out insurance and plan to supplement pension, medical care and tourism funds.
Nowadays, it has become the consensus of many parents to buy insurance for their children, but how to choose and match insurance correctly for their children has become a headache for many parents. Faced with all kinds of insurance products, dazzling insurance clauses and economic accounts on the market, where should I start to buy insurance, and how can I give my children the best protection without wasting money?
Minutes 1 ... Learn about child insurance.
Why do you want to insure your child?
Relieve unexpected stress:
According to a survey of more than 40,000 children in cities across the country 1 1, 20% to 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.
Reduce the medical burden:
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. 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.
Reserve education fund:
Some people have calculated that it takes about 300,000 yuan to work from the birth of a child to the graduation of a university. This 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. We might as well choose insurance products with increasing insurance coverage or dividends to offset some basic inflation and also have the effect of investment.
Four main types of child insurance
Children's accidental injury insurance-guaranteed children's insurance
Children are curious, lively and active, but have a poor sense of self-protection. They belong to a vulnerable group in society and are more likely to have accidents. According to the latest statistics, accidental death in childhood is increasing at the rate of 7% ~ 10% every year, and the proportion of accidental death and injury in some areas is as high as 1: 19, which has become the first cause of death for children aged 0 ~ 14 in China. The main causes of accidental death are accidental suffocation, drowning, traffic accidents and poisoning, among which the increase in traffic accident mortality is particularly significant. The main causes of accidental injuries are falling, burns (scalds) and animal injuries. At present, accidental injuries have surpassed diseases to become the number one killer of children's health.
Children's accidental injury insurance is aimed at children under the age of 18, causing high medical expenses and other economic losses, as well as personal protection for accidental disability and death. Therefore, 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 insurance, which costs only a few hundred yuan a year and is introduced by various insurance companies.
The characteristics of insurance: low premium, high security and no return. Applicable family: basic purchase, only accidental injury.
Tips:
Buying this kind of insurance doesn't mean that you don't have to worry about your child's safety from now on. It just means that you can get some financial help and compensation after your child has an accident.
Families can cope with the uncertain educational expenses according to their children's educational needs. Investing in this kind of insurance requires a certain economic foundation and a higher premium budget.
Insurance features: free of premium, independent coverage, withdrawal at any time, and guaranteed income.
Applicable families: families with higher premium budget.
Tips:
As a new type of insurance, insurance company sales staff usually encourage parents to try to buy it. Although the coverage of this insurance is relatively comprehensive, parents should consider the actual needs before taking out the insurance, especially whether to buy it again.
Minute 5 ... What you must know before you apply for insurance:
Families with different economic strength:
Average economic strength: accident insurance and children's medical insurance. Economic strength is acceptable:+children's critical illness insurance.
These two kinds of insurance are the most basic and economical. If you encounter accidental injuries caused by negligence or slight negligence, such as falling and bumping, or serious accidents such as car accidents, you can get certain financial compensation. This kind of insurance doesn't cost much, but the protection is good.
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 such insurance for young children, but now they have relaxed the age limit. In case after purchase.
Strong economic strength:+education savings insurance.
If parents have strong financial strength, buying education insurance is only "compulsory savings", which can not only solve the tuition problem of children going to high school, university or studying abroad in the future. Another point is that its income is slightly higher than that of time deposits, and interest tax can be avoided as a family financial planning.
Strong economic strength:+financial insurance.
If the family's economic strength is really strong and you want to give your children more protection, please ask the insurance company to provide some financial insurance types for combination.
Different age stages:
Early childhood (0 ~ 6 years old):
Because of the high probability of neonatal death, preschool children's resistance is poor, and they are easy to get some epidemic diseases, the proportion of general medical compensation for insurance with death as the compensation condition is not high. Therefore, it is suggested to buy more insurance for hospitalization medical compensation.
Primary school (7 ~ 12 years old):
Because of the hidden danger of accidental injury, the investment in accident insurance should be increased appropriately, and the saving of future education funds should be considered when conditions permit. Of course, if the family conditions are good, we should consider saving the future education funds soon after the birth of the child, which can reduce the annual premium burden.
Puberty (12 ~ 18 years old):
If you haven't bought educational insurance products at this time, you don't have to be limited to children's insurance, because some types of insurance for adults can be bought at 14 years old or older. In this kind of insurance, it is advisable to choose dividend-paying products with short return intervals, which can replace education funds to some extent. Of course, you can also consider universal life insurance with very flexible payment and withdrawal. This kind of insurance is not only guaranteed, but also has high investment. Adults and children can benefit.
Choose qualified insurance agents to provide you with professional and comprehensive services.
Professional and honest agents can provide good pre-sales and after-sales service and choose the insurance scheme that suits them. At the same time, in order to prevent some agents from boasting about the benefits of insurance and luring to buy it, you can do both, get advice and guidance from the hotlines of various companies and make the right decision.
Read the insurance clauses carefully and choose the insurance that really suits your baby.
You can get the terms in this respect from the agents of various insurance companies, compare yourself and choose the insurance with the best cost performance. For example, if your company does not reimburse children's medical expenses and other benefits, then you should first consider children's health protection, which mainly changes according to your own situation. But we must grasp the principle of "guarantee first, income second" to buy insurance products, because investment and dividends are not the main purpose of buying insurance for children.
Keep relevant insurance documents.
When you complete the insurance process, you must keep the relevant insurance documents. If the product expires, don't forget to renew the warranty. Although under normal circumstances, your insurance company will remind you to renew your insurance on time when the policy expires, you should also pay attention to keeping in touch with the insurance company. If you change your address and telephone number, you must inform the insurance company in time so that the insurance company can get in touch with you.
Be careful when buying insurance.
Be careful when buying insurance, don't be impulsive. Insurance is different from other commodities and cannot be transferred to others. Therefore, when buying insurance, we should weigh whether it is necessary or not to avoid wasting money. Note: 1. Choose qualified insurance agents to provide you with professional and comprehensive services.
Professional and honest agents can provide good pre-sales and after-sales service and choose the insurance scheme that suits them. At the same time, in order to prevent some agents from boasting about the benefits of insurance and luring to buy it, you can do both, get advice and guidance from the hotlines of various companies and make the right decision.
2. Read the insurance clauses carefully and choose the insurance that really suits your baby.
You can get the terms in this respect from the agents of various insurance companies, compare yourself and choose the insurance with the best cost performance. For example, if your company doesn't reimburse children's medical expenses and other benefits, then you should first consider children's health protection, and the total amount depends mainly on your own situation. But we must grasp the principle of "guarantee first, income second" to buy insurance products, because investment and dividends are not the main purpose of buying insurance for children.
3. Keep relevant insurance certificates.
When you complete the insurance process, you must keep the relevant insurance documents. If the product expires, don't forget to renew the warranty. Although under normal circumstances, your insurance company will remind you to renew your insurance on time when the policy expires, you should also pay attention to keeping in touch with the insurance company. If you change your address and telephone number, you must inform the insurance company in time so that the insurance company can get in touch with you.
4. Be careful when buying insurance.
Be careful when buying insurance, don't be impulsive. Insurance is different from other commodities and cannot be transferred to others. Therefore, we should weigh whether it is necessary or not and avoid wasting money.
15 ~ 30 minutes insurance skills
Purchase budget
Insurance expenditure = total household income x 10% ~ 20%.
According to experts, in developed countries, premium expenditure generally accounts for about 30% of the total annual income. According to China's national conditions, the premium expenditure can account for 10% ~ 20% of the total income, and the insured amount is 5 ~ 10 times of the annual income. It is generally cheaper and more economical to buy insurance products in childhood than in adulthood. Children can get insurance protection from a very young age.
purchase order
Xue Ping insurance (students are purchased by the school); Accident insurance; Medical insurance critical illness insurance education payment insurance;
Investment and financial insurance (if the family economy is good, you can consider it).
10 tips for insuring children
● Children's "insurance" age
Most children's insurance starts from the age of 0, but in the insurance industry regulations, this age of 0 is not the natural age of the child, which means that the child is born 28 days.
● 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.
● Avoid repeated purchases.
If the children have gone to school, the school will purchase Xue Ping insurance for them, and some welfare units will also reimburse some medical expenses for the children. Therefore, before insuring their children with commercial insurance, parents should first find out what protection their children already have and what gaps commercial insurance needs to fill.
● Read the relevant clauses carefully to ensure the rights and clarify the obligations.
Most people find it troublesome to buy insurance, mainly because the terms and technical terms in insurance are complicated. When selling insurance, the business personnel only gave a general introduction to the types of insurance, so parents, as the insured, must read the terms carefully, paying special attention to the chapters such as insurance liability, liability exemption, premium delivery and surrender. If you encounter something you don't understand, you must make it clear before signing the contract. Don't sign without reading the terms.
● "Black and white" should be clearly seen.
Insurance companies will also publish important precautions on insurance leaflets, such as "exemption from liability" and "income cannot be guaranteed". But the font of this kind of text is often small six, which is twice as small as the general font of leaflets. Therefore, we must pay attention to the smallest part of the font size, which is often the "essence".
● Sit in the right position and count by yourself.
Especially for some wealth management investment products, the expected income is often based on an ideal situation, such as the company's high dividends all the year round. When encountering these attractive data, parents may wish to substitute the expected premium and annual income into their items to calculate and get a more realistic income value.
● 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.
● Exemption from purchasing additional risks
It should be noted that while buying the main insurance, you should also buy premium-free additional insurance. In this way, if parents cannot continue to pay premiums for some reason, the protection for their children will continue to be effective.
Special link: the world's first child insurance policy
Before 1856, due to backward medical care and poor sanitary conditions, even in Britain, the mortality rate of infants before their first birthday was as high as 20%. On average, 77,000 children die of various diseases every year, so that no insurance company dared to accept insurance for children under the age of ten at that time.
At that time, Bell, an insurance salesman of Prudential Group, set up a "mutual aid association" himself. When misfortune happened, he paid for the claim out of his own pocket, which was affirmed by his parents and brought many insurance policies. 1856, the Prudential Group of the United Kingdom accepted Bell's "Mutual Aid Association" and officially launched child insurance, which can be insured three months after the baby is born.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.