Parents and friends get together to discuss children most naturally, and the insurance situation of children is often mentioned in it. Many parents will find that there are so many parents who buy children's education fund insurance, so what is the reason? Why do parents buy children's education fund insurance for their children? What are the guaranteed critical illness insurance for children? Which are cost-effective? Which one is the most worth buying? Let's take a look at the inventory of the top 1 insurance companies selling children's critical illness insurance

The necessity of buying children's education fund insurance:

1. The education expenses required by children are not flexible in time

Parents all know that children will go to school at a certain age, go to primary school at the age of 7, and go to college at the age of 18. Learning is a rigid demand of children, so children cannot stop going to school or postpone going to school because there is no tuition fee, so by buying one,

2. The educational expenses required by children are not flexible in amount

For children's educational expenses, the tuition fees at all stages are relatively fixed, and these expenses are the same for every student. For example, if a child wants to go to college, it will cost about 4, yuan a year and 16, yuan in four years. If parents estimate that they cannot afford to pay tuition for their children, they can buy insurance from the Children's Education Fund in advance to help.

3. The educational expenses needed by children last for a long period

The children will spend a lot of money from kindergarten to university graduation. The total amount may be more than the parents' spending on buying a house. Parents can't guarantee what will happen during this period, and whether they will always be able to provide for their children's education. Since they can't guarantee it, why not buy a children's education fund insurance? In this case,

4. Children can enjoy risk protection

Parents all know that children will face accidents and diseases. No matter what happens to their children or their children get sick, it will have a certain impact on the family's economy and even make parents poor. Therefore, children not only need education expenses, but also need a risk protection, and education fund insurance can do it. It can not only provide children with education funds, but also provide them with education funds.

Combining these four points, parents should know that buying children's education fund insurance not only solves the problem of children's schooling, but also provides a personal guarantee for children, and also reduces the financial pressure of parents, so most parents will buy children's education fund insurance, so which one should they buy?

children's education fund insurance recommendation: Baby Sailing 218

Here we recommend the Baby Sailing 218 education fund insurance of China Merchants Cigna, mainly because this product has advantages in terms of protection and education fund return.

1. Get the money early. From the age of 15, children can receive money for 11 consecutive years, covering both high school and college, with a maximum of 24% of the basic insurance coverage, up to 3.6 million, so parents don't have to worry about their children's tuition fees;

2. Provide critical illness protection. It can cover 85 kinds of serious diseases, and five specific major diseases can get double compensation, including leukemia, Kawasaki disease, deep coma, severe brain injury and severe third-degree burns, with a maximum compensation of 1 million;

3. Provide hospitalization allowance. If you are hospitalized unexpectedly, you can also receive double hospitalization allowance, which does not conflict with social security reimbursement. The maximum allowance is 3 yuan every day, and the cumulative maximum payment is 6 days; For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!

4. Additional long-term accidental medical treatment. Outpatient service or hospitalization can be paid. During the insurance period, you can pay 1 times the insured amount, with a cumulative maximum of 2,.

5, with premium exemption function. If the insured suffers from 65 kinds of serious illness or death agreed in the contract during the contract period, the remaining premium need not be paid, and the child still enjoys the treatment of this insurance.

To sum up, it is still necessary to buy children's education fund insurance. Only when buying this insurance, parents need to know some precautions. For example, parents should combine their children's needs with the family's economic situation; Parents should know that it is early to buy this insurance, and it is best to start planning after the child is born; It is best to attach a premium exemption clause to this insurance at the time of purchase; Parents should skillfully use the combination and so on. Only in this way can they choose a more suitable children's education fund insurance for their children.