First, how to buy education insurance?
1, insurance as soon as possible.
General education fund insurance has certain requirements for the age of the insured, most of them are born 30 days-13 years old, and some education fund insurance ages are relaxed to 18 years old. Therefore, if parents are willing to choose an education fund insurance for their children who have entered adolescence, it is recommended to insure as soon as possible after choosing the right product to avoid missing the original favorite insurance product because of the age of the child.
2, according to the education planning choice
When choosing education insurance for children, we should refer to their future education plan. Children who have entered adolescence have already made up their minds. Therefore, parents should fully listen to their children's opinions and ask them if they have any intention to take the postgraduate entrance examination and study abroad. However, because the children in adolescence are still immature, parents should also make long-term plans for them, and make the guarantee period and insurance amount as loose as possible under the premise of family economic conditions, so as to avoid the changes in children's future study plans and the inability of education fund insurance to provide strong protection.
3. Basic guarantees should be planned.
Before allocating education fund insurance for children, it is necessary to ensure that the basic protection of children, that is, medical insurance, accident insurance and critical illness insurance, has been allocated. If the child is not equipped with these basic insurance, parents can also give the child comprehensive protection by choosing comprehensive education insurance with basic protection. For example, China Merchants Cigna's Baby Education Fund Insurance is a comprehensive education fund insurance that integrates critical illness protection, accidental medical treatment and hospitalization allowance (specifically subject to the insurance clauses). Yang Wei, the Olympic champion, gave her children a choice, which deserves parents' consideration.
4. Additional policyholder exemptions
Many education fund insurances in the market can be provided with exemption clauses for the insured, which parents can consider when choosing education fund insurance for their children. If the parents choose a product with exemption clause for the insured, when the insured parents are unable to pay the premium due to accidents, serious illness and other reasons, the insurance company will waive the remaining unpaid premium, and the children can still enjoy the original protection, and get a sum of insurance money to complete their studies within the time limit agreed in the contract.
More insurance questions can be consulted by telephone.
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