Five Advantages of China Merchants Cigna Baby Sailing 20 18 Children's Education Annuity Insurance Product Plan
Advantage 1: get the money early and provide enough education funds. Children can receive money from the age of 15, and can receive money from 1 1 year continuously. It covers children's high school and college stages, and can receive up to 240% of the basic coverage of the main insurance, up to 3.6 million yuan, without worrying about children's education expenses at all.
Advantage 2: Give children serious illness protection and double payment for specific diseases. It can cover 85 major diseases, among which 5 diseases can be obtained in double indemnity. They are leukemia, Kawasaki disease, deep coma, severe brain injury and severe third-degree burns. The maximum compensation amount is 6,543,800 yuan, which gives you enough funds to treat your child.
Advantage 3: the child has an allowance for hospitalization, which does not conflict with social security. If the child is hospitalized unexpectedly, he can receive double hospitalization allowance, which does not conflict with social security reimbursement. Even if social security is reimbursed, he can receive hospitalization allowance. Maximum 300 yuan/day, 600 days.
Advantage 4: You don't have to worry about accidental medical treatment. Outpatient service or hospitalization can be reimbursed. This insurance also attaches long-term accidental medical treatment, whether it is outpatient treatment or hospitalization, which can be paid by the insurance company. In case of accumulated compensation during the insurance period, it can be paid 10 times the insured amount, with a cumulative maximum of 200,000 yuan. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Advantage 5: it has the function of free premium, which makes you feel more at ease. If the insured of this insurance falls ill and suffers from 65 kinds of serious diseases within the scope of the contract, he can be exempted from paying the residual premium. If the insured dies directly, he can also be exempted from paying the residual premium. Of course, the protection of children is still effective.
Parents who buy education fund insurance for their children may wish to choose China Merchants Cigna Baby Sailing 20 18 Children's Education Annuity Insurance Product Plan, but no matter which education fund insurance product parents choose, they should pay attention to four points when purchasing.
What should I pay attention to when buying children's education fund insurance?
The premium should not be too high.
The cost of buying education insurance for children should not be too high. Generally speaking, children's insurance expenses should not exceed 10% of family income. In this way, the normal life of the family will not be affected by buying education fund insurance for children, and there will be no future surrender because of the inability to pay premiums, because surrender will inevitably lead to economic losses. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?
The payment period cannot be too long.
Parents should buy education gold insurance, and the payment period should not be too long, and it will be almost the same when the child is 25 years old. As long as the children's education funds are enough, after all, the payment period is too long, which will inevitably increase their economic burden. Moreover, children who work and earn money can buy a suitable insurance for themselves by virtue of their own abilities. Parents can't take care of their children financially all their lives, and he also needs to stand on his own feet.
Make sure to be as comprehensive as possible.
This kind of education fund insurance for children should be as comprehensive as possible. Parents are advised to add some other types of insurance when purchasing education fund insurance, such as accident insurance and health insurance, so that their children can get more comprehensive "protection". After all, accidents and diseases are common in children, and once they happen, the cost of treatment is very high, which is unbearable for ordinary families, so insurance is needed to provide insurance protection and reduce the financial burden of families.
Clever use of combination
Parents should skillfully use the combination when buying education fund insurance for their children. For example, they should use education fund insurance to plan their education before the fourth grade of primary school, and after the fourth grade, they can use the combination of education insurance and education savings.
Through the introduction in this article, we know that when parents buy education fund insurance for their children, they can choose China Merchants Cigna Baby Sailing 20 18 Children's Education Annuity Insurance Product Plan, which can provide more education funds and more protection for their children. Of course, you can also choose some other education fund insurance products, no matter how you choose, you need to combine the family's economic situation.