Children's accident insurance covers/kloc-children under 0/8 years old. This kind of insurance can actively prevent or prevent the serious consequences or risks caused by unexpected external accidents during the growth of children. Children's accident insurance generally limits the number of insured points (only one), and the products insured by children of different ages are different, so parents should pay attention to their own restrictions in the process of insurance, so as to make careful and correct choices.
Parents should see clearly the scope of protection when buying child accident insurance for their children. Don't think that as long as you buy child accident insurance, your child will be protected if he has an accident. For example, if a child accidentally burns, he thinks he can get a claim or get full compensation. However, according to the relevant regulations of the insurance company, to what extent the scald must be reached, he can get compensation, and the amount of compensation depends on the level of disability. In other words, claims are conditional, and this condition is mainly the "exemption clause" in the child accident insurance clause. According to the relevant clauses of various insurance companies, at present, the coverage of children's accident insurance mainly covers death and disability, and some only cover death. But in the name of insurance, it may all be called accident insurance. At this point, the insured should read the terms carefully before making a decision.
Accidental injury is called a big killer of children. According to investigation and statistics, accidental injury has become the first cause of death of children aged 14 in China, with the characteristics of high incidence and high mortality. Such as drowning, poisoning, animal bites, building collapse, traffic accidents, public security accidents, playing ball games and fighting injuries. , are important factors of current death and accidental injury. In today's society, it is becoming a trend to buy accident insurance for children. Its main purpose is to prevent and avoid children's accidental risks at any time. Once a risk occurs, the consequences are unexpected, and this insurance is also a good practical guarantee for children. However, from the perspective of family financial management, children can take out accident insurance, which can also reduce the family's financial burden to a certain extent. It is essential for families to increase value and reduce risks.