Let me summarize.
Three reasons for taking out insurance for children
Alleviating unexpected pressure: According to a survey conducted by relevant departments on more than 4, children in 11 cities across the country, 2% ~ 4% of children in China die of accidental injuries, are disabled or receive medical treatment 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 their children against accidents. This kind of insurance is generally consumer, the price is not expensive, only a few hundred yuan a year, such as Taiping Life Insurance's "Taiping Comprehensive Accident Insurance" and "Taiping Children Accident Insurance".
Reduce the medical burden: The survey shows that parents pay special attention to their children's health. At present, major diseases tend to be younger and younger, and the high medical expenses for major diseases have become a heavy burden for some families. According to the current medical system in China, children in China are not included in the social security system, and children of this age group are basically in a state of no medical security. Therefore, using insurance to share children's medical expenses has become an important factor to consider when insuring children's insurance. The younger the insured age of major illness insurance, the cheaper the premium, such as "Sunshine Angel Children critical illness insurance (Return Type)", "Taiping Yikang Lifelong critical illness insurance (Lifelong Type)" and "Taiping Fulu Double to Lifelong critical illness insurance (Incremental Type)" of Taiping Life Insurance. Take a -year-old girl as an example, and buy "Taiping Fulu Double-to-Lifelong critical illness insurance (with increasing insurance coverage)", and pay the fee until she is 55 years old. Only 99 yuan can buy 1, yuan of guarantee for her life.
Nowadays, children have a cold and fever, and they are often hospitalized. After accumulation, the cost is not small. When considering buying insurance, it is recommended to buy additional hospitalization insurance. In this way, if a child is hospitalized in case of illness, some medical expenses can be reimbursed, and the hospitalization subsidy of 2-5 yuan/day is still worthwhile. 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 losses. Such as "Taiping True Love Health Insurance".
Reserve education fund: In Shanghai, someone calculated that it costs about 3, yuan to work from the birth of a child to the university graduation, which excludes the expenses of other arts such as piano learning, painting, ball games, remedial classes, the living expenses of children and the factors of price increase. We might as well choose insurance products with increasing insurance coverage year by year or dividends to offset some basic inflation and also have the function of investment. Such as "Taiping Splendid Future Education Gold Insurance (Dividend-sharing Type)".
Raiders II: Eight Benefits of Insuring Children
● Cheap premium: The mortality rate of children is lower than that of adults, and the premium is naturally low. For example, the premium of a 3-year-old man is 3.5 times that of a 1-year-old boy.
● There are great opportunities for insurance coverage: the older you get, the more physical problems you have, and the childhood illness will sometimes affect your future. The earlier you apply for insurance, you can avoid being charged more or refused insurance.
● Establish a good long-term risk planning: educate children about the items and advantages of insurance and instill a good insurance concept.
● continuation of parents' love: with the growth of children, the care and love of parents can also be reflected.
● Reduce children's burden in the future: When children reach adulthood, they can have lifelong protection after paying the insurance premium, and they don't need to pay the insurance premium any more.
● Insurance payment is completely tax-free: according to the tax law, life insurance payment is tax-free.
● Transfer property to children: transfer assets to children's names by helping them buy insurance.
● Train children's sense of responsibility: cultivate children's good values, help share insurance premiums when they grow up, and cultivate a sense of responsibility.
Raiders III: Nine Tips for Insuring Children
● 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, while 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, and it will change according to the specific situation.
● The payment period need not be too long. It can be concentrated before the child is underage, and after he grows up, he can choose his own suitable insurance for himself, but the guarantee period can be relatively long.
● In Shanghai, children aged -18 can participate in the Children's Hospitalization Fund. After paying 6 yuan every year for -5 years old and 5 yuan every year for 6-18 years old, you can get medical insurance with the maximum amount of 1, yuan per academic year after seeing a doctor in 342 designated hospitals in Shanghai. In addition, a few welfare units can reimburse some medical expenses for employees' children; It is also possible for schools to handle group accident insurance in a unified way. When parents take out insurance for their children, they only need to supplement those insufficient parts.
● If the child has already gone to school, he/she has already taken out Xueping insurance at school, so pay attention to timely payment. After all, Xueping Insurance is a group insurance with low premium and high guarantee. You can also provide children with comprehensive growth protection in combination with the insurance you buy!
● Take care of the adults before the children. It is the most serious misunderstanding that children are given priority in insurance, but adults themselves are ignored. Adults are the economic pillar of the family and the best "umbrella" for children. If you only buy insurance for children, but adults don't buy it themselves, then when adults have an accident, the family is likely to get into trouble.
● Pay attention to security before education. Many parents spend a lot of money to buy education insurance for their children, but they don't buy or neglect to buy accident insurance and medical insurance, which puts the cart before the horse. The probability of children suffering from accidental injuries is relatively high, and the probability of headache, brain fever and hospitalization is much higher than that of adults. Therefore, insurance experts suggest that the order of buying insurance for children should be accident insurance, medical insurance and children's critical illness insurance. On the basis of all these insurances, consider buying education insurance.
● 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 should not exceed the limit. Insure your child with death as the compensation condition (such as term life insurance and accident insurance), and the accumulated insurance amount should not exceed 1, yuan, because the excess amount will be invalid even if the premium is paid. This is a mandatory requirement made by China Insurance Regulatory Commission to prevent moral hazard. In order to earn more commission, a few agents don't give a hint even if the amount insured by customers exceeds this limit. Therefore, before taking out commercial insurance for children, we must first find out what protection we have. How many gaps need to be filled by commercial insurance?
● purchase of premium-free additional insurance: it should be noted that premium-free additional insurance should be purchased at the same time when purchasing the main insurance. In this way, if parents are unable to continue to pay premiums for some reason, the protection for their children will continue to be effective.
Raiders IV: Insurance Rules at Different Stages
Huang Yiping, Shanghai Branch of Taiping Life Insurance, thinks: Generally speaking, the earlier you buy insurance, the lower the premium, the more suitable it is for parents, and the sooner your child can get protection. However, if we start to consider buying insurance for children now, the emphasis and amount of insurance for children of different ages will be different.
● From the moment when you are ready to have a baby, your mother should make a plan for your child's health protection. You can get insurance through separate maternal and child insurance or comprehensive female insurance with maternity insurance, both of which will include the protection of the baby's congenital diseases. Families with insufficient budget can buy maternal and child insurance. Such as "Taiping True Love Women's Disease Insurance" and "Taiping True Love Maternity Insurance".
● After the baby is born, because the resistance of children aged -6 has not yet formed, it is possible to "buy" hospitalization medical insurance for the baby. However, it should be noted that the hospitalization rate of young children is very high, so the rate of hospitalization medical expenses for this group of children is higher than that for children aged 7-18, and even for young people in their twenties. Therefore, considering the input cost of insurance, if the family's economic situation is not very good, it is enough to buy reimbursement hospitalization insurance; If the family budget is sufficient, you can add another hospitalization allowance insurance, which can make up for the delayed work income of parents to take care of their sick children.
In early childhood, due to the high probability of neonatal death and the poor resistance of preschool children, it is easy to get some epidemic diseases, but at this time, the compensation rate of insurance with death as the payment condition is not high. Generally speaking, the age of death is less than one year old, and the payment ratio accounts for 2% of the insurance amount; For children over 1 year old but under 2 years old, the payment ratio is 4%; For children over 2 years old but under 3 years old, the payment ratio is 6%; For children over 3 years old but under 4 years old, the payment ratio is 8%, and only when they are over 4 years old can the payment ratio reach 1%. Therefore, it is recommended to buy more insurance for hospitalization medical compensation. Parents who have the ability can consider making plans for their children's education funds early.
● Children after the age of 6 have their own activity time, but their self-protection ability is still poor, and there is a high possibility of accidents. It is also a good choice to attach an accident medical insurance for children after accident insurance to meet the expenses such as outpatient and emergency treatment and hospitalization caused by accidents.
In primary school, due to the great hidden dangers of accidents, the investment in accident insurance should be appropriately increased, and the savings of future education funds should be considered when conditions permit. Of course, if the family conditions are good, consider saving future education funds soon after the birth of the child, so that the annual premium burden can be reduced.
● As for major illness insurance, parents can buy regular or lifelong major illness insurance for their children according to their financial strength. Of course, if the baby's family has a history of major genetic diseases, then the child should be insured for critical illness insurance as soon as possible to prevent the disease from causing the inability to bear the cost of treatment.
raiders v: insurance guide for different economic strength
economic strength is average: accident insurance and medical insurance (subsidized and medical) can be considered. Children's awareness of self-protection in infancy is relatively poor, and they rely entirely on the care and protection of their parents, and the incidence of diseases is higher than that of adults. At the same time, when children are in kindergarten, primary school and middle school, accidents such as car accidents increase, and parents can buy such insurance for their children as appropriate. Once a child has an illness or accident, he can get some financial compensation. This kind of insurance doesn't cost much, but the protection is good.
economic strength is acceptable: consider critical illness insurance. On the basis of purchasing the above insurance products, critical illness insurance is added. Because of the heavy burden of high medical expenses for major diseases, a family often has great economic pressure. In the past, insurance companies refused to insure young children, but now they have relaxed.
Strong economic strength: it can increase education insurance for children. Education insurance mainly solves the problem of tuition for children to go to high school, university or study abroad in the future. It should be said that if parents have strong financial strength, buying education insurance is only "compulsory savings", and its income is slightly higher than that of time deposits, which can avoid interest tax and provide a family financial planning.
Strong economic strength: you can buy some financial insurance. After the above-mentioned guarantees are complete, if the family's economic strength is really strong and you want to give your baby more protection, you may wish to ask the insurance company to provide some financial insurance types for combination. For example, in Taiping Life's "Taiping Life", children can "participate" in financial management when they are over 3 days old. During the payment period, children can get 5% of the insured amount every three years, and 1% of the insured amount can be returned at the end of the payment period until life. In addition, children can also participate in the dividends of insurance companies every year.
Huang Yiping reminds:
First, the "new mother" and "new father" buy insurance for their babies, and the insurance premium should not exceed 1% of the annual income of the insured;
second, if the economy is not particularly well-off, the coverage of major diseases of children's insurance can be set at 5, yuan to 1, yuan, which can dispel the worry about most major diseases;
third, the products of various insurance companies are similar, but the packaging combination is different. Therefore, the choice of insurance agent is more important;
4. If you are dissatisfied with the insurance contract after comparison, or hear that there are more suitable products, you can make full use of the hesitation period to terminate the contract;
5. After buying insurance, remember to take time to rummage through the drawers, know what insurance coverage your children have in time, and get the money on time.
This is definitely not in the social security stipulated by the state. Did your company or yourself take out commercial insurance before?
Respondent: badballet-Assistant Level 2 3-2 15:18
I should get my consent. How can this happen? Please refer to the following contents and open the website to find out.
education gold account
basic education security plan
1. What are the characteristics
A life insurance plan specially designed for children aged to 11
A savings plan designed for those whose children have made educational reserves early
This plan includes the main life insurance contract "Youbang endowment assurance (Dividend-sharing Type)" (QSPE) and the additional contract "Youbang Plus Favoured University". B)
Enjoy comprehensive protection until the age of 8
When the insured reaches the age of 8, the insured can get the full amount of maturity money as a gift
During the validity of the insurance contract, the insured can get 8% of the basic amount of survival cash every three years
The university education annuity is guaranteed: during the four years from the age of 18 to 21, The insured can get the university education annuity
education bonus every year, which is the icing on the cake: the allocated education bonus will be paid to the insured together with the university education annuity
The planning is flexible and the insurance can be increased at any time: the amount of the education annuity will be purchased flexibly by you according to your own planning for your child's future education, and the insurance can be increased at any time
The insurance amount of the main contract will increase by 2.5% of the basic insurance amount every five years. Until the expiration of the contract
education fund insurance is to establish an education fund for children to pay for future education expenses by purchasing the education fund insurance from a commercial insurance company. It takes into account the functions of saving and insurance at the same time, and some dividend insurance also has certain investment functions.
The first advantage of education gold insurance is that it has the function of compulsory savings. Parents can choose insurance types and insurance coverage for their children according to their own expectations, and then continue to invest and persist for a long time, which can solve the large expenditure of their children's future growth education. The second advantage is the great guarantee. After the insured (father or mother) is added to the insurance, no matter whether he can continue to accompany his children to grow up, he can ensure that the children can get the agreed amount of education funds to complete their studies in the future. The third advantage is that it is paid in multiple installments, and the payback period is relatively long, covering the main period of high tuition expenses, and it can provide additional protection in terms of accidental injury or death due to illness and high disability. The education insurance of insurance companies is generally targeted at children aged ~ 14.
Although education gold insurance has these advantages, its investment cost is relatively high, so the younger the children are, the greater the investment value. It is suggested that the purchase time should be more than ten years, and once insured, don't withdraw it easily, otherwise the loss will be relatively large.
children's insurance should really start with the most basic types of insurance.