For example, Tianhou Faye Wong had arranged HK$ 20 million life insurance for her daughter Leah Dou as early as 2004. This life insurance can be collected by Leah Dou when she is an adult, which can guarantee her future life without worry. In addition, Yao Ming has arranged 26 million insurance for her daughter, who can receive a large sum of money from the insurance company every year. He said, "I hope the insurance policy can work for me." Yao Ming said that both husband and wife are working hard for their children. If something happens to their children in the future, I hope they can change their minds and don't have to worry about money.
According to a statistic from 2010 to 2020, falls, falls, drowning and scalds have become the causes of death of children aged 0- 19 in China, and these accidents are also the main causes of death of children under 6 years old. And every year, more than 50,000 children die from accidental injuries, accounting for 1/3 of the total number of child deaths.
Besides accidents, diseases cannot be ignored. According to the survey of the International Society of Children's Oncology, about 400,000 children suffer from malignant tumors every year, which is the second leading cause of child death besides accidents. In the past decade, the incidence of childhood cancer in China has been increasing at a rate of 2.8%/ year, with 30,000 to 40,000 new cases every year, among which leukemia, lymphoma and malignant germ cell tumors are the majority.
In order to cope with uncontrollable risks, many parents began to configure insurance for their children. The Survey Report on Children and Adolescent Insurance issued by the Water Drop Insurance and Water Drop Insurance Research Institute shows that medical insurance is the most popular among parents, and the proportion of parents' allocation for their children is as high as 80%; Some parents also provide annuity insurance for their children, accounting for about 0.5%; In terms of critical illness insurance and accident insurance, the allocation ratio is 8&; There is still 9%. In fact, there are many doorways to configure insurance for children, but it doesn't mean that it can be matched casually. In case you buy it wrong when it is not in place, it will be bought for nothing. Today, let's talk about those things that configure insurance for children.
First, why should I buy insurance for my children?
Perhaps many parents have the same original intention of buying insurance for their children. They think that insurance is a good thing, and they must leave all the good things to their children and buy them when they are ready. There is no special reason.
In fact, the most important consideration for buying insurance for children is that in case the children get sick, dual-income families can only choose one person to give up their jobs in order to take care of the children. In this way, families will lose part of their income and their daily expenses will not be reduced. Then people who are still working will definitely face great pressure, even make ends meet, or have to sell pots to help their children recover from illness.
For ordinary families, even if the child is sick, it is best, but the cost is a bottomless pit. Without enough financial support, it is difficult to win this battle for a long time ... Even if the child overcomes the disease, it will take a long time to recover and need long-term spiritual support and companionship. Families that lose solid financial support are doomed to be in danger.
If at this time, having insurance can provide enough financial support for this misfortune, help solve the large medical expenses, and also bring some compensation for the recovery of children and the unemployment of parents, and provide enough support for families, so that the whole family can win this war without worries.
Insurance can help us solve problems when we need it, not buy it for our children when we think they need it.
Second, what kind of insurance can I choose for my child?
In fact, no matter what kind of insurance you configure for your child, the most important thing is to remember the following formula: one foundation, three necessities, and two practical options.
First of all, let's look at a foundation, that is, children's medical insurance is the most basic guarantee and must be bought. Children's medical insurance does not require health, because it is the most basic welfare given by the state, so the price is low and every family can afford it. Children's medical insurance can provide the most basic guarantee for children's hospitalization.
Secondly, let's take a look at the necessary products, including critical illness insurance, accident insurance and medical insurance. These are all suggestions. If you can buy it, try to equip your child. From the point of view that children may face, because children are full of exploration of external things and curiosity about everything, the probability of accidents is relatively high, even if they are bitten by cats and dogs, bruised, drowned and injured. Accident insurance can provide protection. Secondly, children's resistance is weak, and they are prone to illness and hospitalization with fever and cold. At this time, medical insurance can provide protection; In addition, if the above-mentioned children are seriously ill, in addition to medical insurance reimbursement for hospitalization expenses, they can also use critical illness insurance to make up for the loss of family income. Therefore, it is necessary to buy the above three kinds of insurance.
Finally, let's talk about why we should choose life insurance and education funds according to the actual situation of the family. First of all, these two products have weak protection for children's diseases and home care. Life insurance only provides protection for death or total disability, while education funds provide protection for children's education. In addition, if the family's economic conditions are relatively good, it is planned to plan future education and venture capital for children in advance, and life insurance and education funds can be considered.
Third, what should I pay attention to when buying insurance for my children?
There are many choices of insurance products, and parents simply don't know where to buy them, so it is easy to fall into various insurance pits. After all, insurance is a long-term matter and costs a lot. You must choose carefully when buying insurance for your children. The following are some points to pay attention to when buying insurance for children:
1, first configure the most basic medical insurance and then commercial insurance.
Some parents will feel that medical insurance pays less and the protection is limited. For a while, the baby won't have health insurance. In fact, medical insurance is the most basic guarantee provided by the state. Although it is cheap, the guarantee is not low, and hospitalization and some drugs can be reimbursed according to a certain proportion. Therefore, it is necessary to configure medical insurance after the baby is born, which can greatly reduce the pressure on the family. If parents want to provide commercial insurance for their babies, they should first understand the basic medical insurance, and then supplement the commercial insurance in combination with the actual situation of their families.
2. Adults take precedence over children
When it comes to buying insurance, parents always think of configuring their children first. But in fact, whether children live well or not depends mainly on their parents. If the child is sick, parents can still make money to take care of it and ensure life and treatment, but if even the parents fall down and have no financial resources, who will take care of the child? Therefore, when allocating insurance for children, we should pay attention to protecting adults before protecting children, and fully consider whether adults have sufficient protection. If the family budget is limited and you can only choose one of them, then provide protection for your parents first.
In addition, when insuring children, you can pay attention to whether there is an exemption clause for the insured. This article means that if the insured suffers from a serious illness or accident, the insurance company can waive the subsequent premium, but the coverage content remains unchanged, and the children can still enjoy the protection provided by the insurance company.
3, do not need to blindly follow the trend to buy insurance.
Some parents heard the salesman tell them, "I don't want to buy this insurance now, and I can't buy it in the future." Or "this is a limited-time discount, and the price will increase afterwards." Taking advantage of this tight time, it is easy to bring parents into the pit by letting parents place orders quickly.
Therefore, under such circumstances, don't blindly follow the trend because of impatience. In fact, almost every insurance company's products are not particularly large. For example, in terms of critical illness insurance, every product must comply with the regulations of the China Banking Regulatory Commission. Therefore, there is no need to rush to insure because of the words "limited time". According to the actual situation, carefully select and choose the insurance suitable for children.
Fourth, how to buy more cost-effective?
With the improvement of parents' insurance awareness, many parents hope to transfer risks through insurance. But many parents don't understand insurance, which leads to buying a lot of "uneconomical" insurance. Actually, how to buy insurance is cost-effective?
1, choose the appropriate insurance according to the children's reality.
The main risks faced by children are accidents and diseases, so in terms of basic protection, you can consider buying medical insurance first, and then choosing critical illness insurance and accident insurance. These three insurances are the most basic personal and health protection.
In addition, in the choice of education funds, if the basic guarantee has been configured, education funds can be supplemented for children with sufficient budget. Through such reasonable collocation, parents can improve basic security and buy insurance more cost-effective.
However, there is one thing to note. Some insurance claims that everything can be guaranteed, but in fact nothing is enough. In this way, the cost is self-evident, which will also lead to insufficient protection and low cost performance. So if you want to buy a cost-effective, you still need to configure it according to the actual security needs.
2. Choose the appropriate insurance amount and payment period.
When insuring children with critical illness insurance, we should pay attention to the adequacy of the insurance coverage, not too low. The insurance amount of 300,000 yuan is more suitable for children. At the same time, you can choose a longer payment period and higher leverage. It is best to add premium exemption function. When the insured or the insured encounters risks such as disability, total disability, serious illness or minor illness, they can apply to the insurance company for exemption from subsequent premiums. The exempted premium is deemed to have been paid and the protection is still valid. With premium exemption, children's insurance can be more secure.
The earlier you insure, the more cost-effective.
Generally speaking, it is more cost-effective to insure children's critical illness insurance as soon as possible. Critical illness insurance adopts balanced rate. Young people have lower health risks, better health and lower insurance premiums than old people. The subsequent payment cycle is the same every time. Parents can buy enough protection at a lower premium by insuring their children with critical illness insurance as soon as possible.
Fifth, write it at the end.
The knowledge I shared with you today, I believe that after reading it, you have a certain understanding of how to configure insurance for your children. We must decide what kind of insurance to choose according to the actual situation of the family and the personal situation of the children.
In addition, it should be noted that before configuring security for children, you must first configure insurance for adults. After all, being big is the most solid support for children. Finally, once again remind everyone that buying insurance should be "adults first, then children". As long as parents are around their children, they can get the best protection.
I hope that every parent who cares about their children can provide them with a suitable guarantee so that they can live in the future.
Not afraid of wind and rain, can calmly deal with, this is the best performance of protection and love.