How to buy insurance for children? 2007-03-0 1 14:20

Raiders 1: Three reasons to insure your child.

1. Relieve unexpected pressure:

According to a survey of more than 40,000 children in cities across the country 1 1, 20% to 40% of children in China die, become disabled or receive medical treatment due to accidental injuries 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 children against accidental injury. This kind of insurance is generally consumer, and the price is not expensive, only a few hundred yuan a year, such as China Life's "China Life Student Card (Accident Insurance)" and "Life Card".

2, 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 the high medical expenses for major diseases have become a heavy burden for some families. According to China's current medical system, children in China are not included in the social security system, and children of this age are basically in a state of no medical security. Therefore, sharing children's medical expenses with insurance has become an important factor to consider when insuring children's insurance. The younger the insurance age in critical illness insurance, the cheaper the insurance premium, such as "Corning Regular Critical Illness Insurance" of China Life Insurance and "China Life Insurance for Hospitalization Medical Expenses Compensation (2007)". Take a 0-year-old girl as an example. If you buy "Corning Regular Critical Illness Insurance", you will be paid until you are 20 years old. Pay the annual fee, and you can buy 6,543.8+10,000 yuan of triple protection for serious illness, high disability and death only in 900 yuan, so that you can pay back the principal at the age of 70.

Now the child has a cold and fever and is often hospitalized. Accumulated, the cost is not small. When considering buying insurance, it is recommended to buy additional hospitalization insurance. In this way, if the child is ill and hospitalized, part of the medical expenses can be reimbursed, and the hospitalization subsidy of 20-50 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 loss. Such as China Life Insurance (2007).

3. Reserve education fund: In Shanghai, it has been calculated that from the birth of a child to the graduation of the university, the learning-related expenses need about 480,000 yuan, which does not include the expenses of learning piano, painting, ball games, remedial classes and other arts, the children's living expenses and the factors of rising prices. It is advisable to choose insurance products whose insurance coverage increases year by year or pays dividends, so as to offset some basic inflation and also have the effect of investment. For example, old-age security, lucky children of China Life, old-age security, China Life's Millennium talents, an annuity insurance of China Life, and children's insurance of China Life's talents.

Raiders 2: 10 Benefits of insuring children:

1, risk transfer, ensuring the stability of family life: If a child is born soon, it will be the best gift for him as an adult. Children still have a long way to go from stumbling to walking steadily. Parents may not be able to take care of their children all their lives, but they can use life insurance to convey their endless love for their children and help them tide over every difficulty.

2, the premium is cheap: the accident probability of children is lower than that of adults, and the premium is naturally low. The younger you are, the more cost-effective the premium you pay. For example, the premium of a 30-year-old man is 3.5 times that of a boy aged/kloc-0.

3. Great underwriting opportunities: The older you get, the more physical problems you have. Childhood diseases sometimes affect the future. Early insurance can avoid being charged or refused insurance.

4. Establish a good long-term plan: educate children to understand the projects and advantages of life insurance as soon as possible and instill a good risk management concept.

5. Reduce the burden on children in the future: After the children reach adulthood, the insurance premium has expired, and they can have multiple guarantees without paying the insurance premium.

6. Establish an education and entrepreneurship fund: provide education, entrepreneurship and marriage funds according to children's different growth stages such as high school and university.

7. Tax saving planning: Life insurance has the right to save taxes.

8. Insurance payment is completely tax-free: According to the tax law, the insurance payment of life insurance is exempt from all taxes.

9. Transfer property to children: transfer property to children's names by helping them buy life insurance.

10, cultivate children's sense of responsibility: cultivate children's good values, help share insurance premiums and cultivate a sense of responsibility when they grow up.

Raiders III: Nine Skills for Insuring Children

1, abide by the principle of "be near before being far, be urgent before being slow". Risks that are easy to occur in childhood should be insured first, and 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, which will change according to the specific situation.

2. The payment period does not need to be too long. You can concentrate before your child is underage, and when your child grows up, you can choose the insurance that suits you, but the protection period can be relatively long.

3. In Shenzhen, all children aged 0- 165 can participate in China Life Insurance (2007). Pay 400 yuan every year for 0-5 years old, and after paying 370 yuan every year for 6- 16 years old, you can get medical insurance with the maximum amount of 1 10,000 yuan every year. 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 insure their children, they only need to supplement those insufficient parts.

4. If the child has gone to school, he has already bought Xue Ping insurance at school, so pay attention to timely payment. After all, Xue Ping insurance is a group insurance with low premium and high protection. You can also combine your own insurance to provide children with comprehensive growth protection!

5, protect adults first and then protect children. Children are given priority in insurance, but adults themselves are ignored. This is the most serious misunderstanding. Adults are the economic pillar of the family and the best "umbrella" for children. If you only buy insurance for children and adults don't buy it themselves, then when an adult has an accident, the family is likely to get into trouble.

6. Pay attention to safety before education. Many parents spend a lot of money to buy education insurance for their children, but don't buy or ignore 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 critical illness insurance for children. On the basis of all these insurances, consider buying education insurance.

7. 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.

8. Don't exceed the insured amount. Insure children with insurance (such as term life insurance and accident insurance) with death as compensation condition, and the accumulated insurance amount shall not exceed 654.38+10,000 yuan, because the excess amount will be invalid even if the premium is paid. This is a mandatory requirement made by the CIRC to prevent moral hazard. In order to earn more commission, a few agents don't give tips even if the amount insured by customers exceeds this limit. Therefore, before insuring your child with commercial insurance, you must first find out what protection you have. How much gap does commercial insurance need to fill?

9. Purchase exempt additional risks: It should be noted that when purchasing the main insurance, you should also purchase premium-free additional risks. In this way, if parents cannot continue to pay premiums for some reason, the protection for their children will continue to be effective.

Raiders IV: Insurance Rules at Different Stages

Generally speaking, the sooner you buy insurance, the lower the premium, the more suitable it is for parents, and the sooner your child can be guaranteed. However, if you start thinking about buying insurance for your children now, the emphasis and amount of insurance for children of different ages are different.

1. From the moment when you are ready to have a baby, your mother should make a good plan for your child's health protection. You can get insurance through separate maternal and child insurance or comprehensive insurance for women 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.

2. After the child is born, because the resistance of the 0-6-year-old child has not yet formed, you can "buy" hospitalization medical insurance for the baby. However, it should be noted that the hospitalization rate of young children is very high, so the hospitalization expense rate of these children is higher than that of children aged 7 ~ 18, and even higher than that of 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 a hospitalization allowance insurance, which can make up for the delayed work income of parents taking care of sick children.

3. In early childhood, due to the high probability of neonatal death and the poor resistance of preschool children, some epidemic diseases are easy to get, but at this time, the payout ratio of insurance products with death as compensation condition is not high. Generally speaking, the amount of risk insurance for minors does not exceed 6,543,800+million, but China Life's "Corning Periodic Major Disease Payment Insurance" is not subject to this restriction. Therefore, it is suggested to buy more insurance for hospitalization medical compensation. Parents who have the ability can consider planning their children's education funds as early as possible.

Children after the age of 4 or 6 have their own activities, but their self-protection ability is still very poor, and there is a great possibility of accidents. It is also a good choice to attach an accident medical insurance for children after accident insurance to cope with the expenses of outpatient, emergency and hospitalization caused by accidents.

In the primary school stage, due to the large hidden dangers of accidents, the investment in accident insurance should be appropriately increased, and the saving of future education funds should be considered when conditions permit. Of course, if the family conditions are good, we can consider saving the future education fund soon after the birth of the child, so that the annual premium burden can be reduced.

As for critical illness insurance, parents can buy regular or lifelong critical 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 it is necessary to insure the child with critical illness insurance as soon as possible to prevent the disease from causing the inability to bear the cost of treatment.

Raiders 5: Insurance Guide for Different Economic Strength

1, average economic strength: accident insurance and medical insurance (subsidies and medical care) can be considered. Children's awareness of self-protection in infancy is relatively poor, relying entirely on the care and protection of their parents, and the incidence of diseases is higher than that of adults. At the same time, children's accidents such as car accidents increase in kindergarten, primary school and middle school, and parents can buy such insurance for their children as appropriate. Once a child is sick or has an accident, he can get some financial compensation. This kind of insurance doesn't cost much, but the protection is good. For example, "China Life Student Card" is very good, 100 yuan, accident insurance 100 yuan, and seven categories of critical illness insurance 50,000 yuan.

2. Economic strength is acceptable: consider critical illness insurance ("China Life Kangning Regular Critical Illness Insurance"). On the basis of purchasing the above insurance products, increase the critical illness insurance. Due to the heavy burden of high medical expenses for major diseases, a family is often under great economic pressure. In the past, insurance companies refused to insure young children, but now they are relaxed.

3. Strong economic strength: education insurance can be increased 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. Such as "China Life Wealth Children's Old-age Security (Dividend Type)" and "China Life Cai Ying Children's Insurance".

4. 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 for combination. For example, "Old-age security for talented scientists of China Life (with dividends)" and "China Life Happy Life Annuity Insurance (with dividends)".

Special parting friendship:

1, "new mother" and "new father" buy insurance for their babies, and the insurance premium shall not exceed 15% of the insured's annual income.

2. If the economy is not particularly affluent, the major illness protection of children's insurance can be set at 50,000 yuan to 65,438+10,000 yuan, which can dispel the concerns of most major diseases.

The products of all insurance companies are similar, but the packaging combination is different. Therefore, the choice of insurance agent is more important.

4. If you are not satisfied with the insurance contract after comparison, or hear that there are more suitable products, you can make full use of the hesitation period (within 10 days after signing the policy) to terminate the contract and refund the premium in full.

5. After buying insurance, remember to take time to rummage through the drawers, know what insurance protection your child has in time, and withdraw money on time.

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