Because the son is engaged in the insurance industry, he was deeply impressed by Ma Bao's consultation.
Regardless of hardship or wealth, there is 120% care for children.
But all parents who have bought insurance will basically buy all kinds of insurance for their children.
However, the insurance that most parents buy for their children is more or less problematic.
The following figure shows the statistics of hundreds of children's insurance policies completed by the boss team:
Obviously, most parents have been cheated!
Many parents have no idea about insurance before buying insurance for their children.
As a result, I was shocked by the salesman's golden words and bought a bunch of insurance that I don't know if it is useful.
A few years ago, Bao X commune had a problem:
I bought health insurance (life insurance plus critical illness insurance)+minor illness medical care for my children, with an annual premium of 2 160. After an accident in the hospital, the insurance company only compensates the principal. Is this reasonable?
There was an accident, the child disappeared, and the parents were heartbroken.
The insurance company actually only refunded the principal.
As a parent, I can particularly understand the grief of this user.
But as a practitioner, I have nothing to say to insurance companies.
Because there is a clear limit on the compensation for the death of minors,
"State Supervision" clearly stipulates:
0-9 years old: Death compensation cannot exceed 200,000.
10- 17 years old: the death compensation cannot exceed 500,000 yuan.
Therefore, even if children aged 0-9 buy insurance of 654.38+0 million,
If you die, you can only pay 200 thousand at most,
Moreover, more often, it is really just a refund of the "principal".
Therefore, my son often says that death compensation is really "useless" for children.
Whole life insurance is completely unnecessary.
However, there are always people who use their parents' love for their children to promote all kinds of garbage insurance.
Just a few months ago, a friend sent his son an insurance policy for his baby.
The friend said:
Six months ago, when she was pregnant,
The salesman visited many times, shouting east and west, and chatting at home.
One to two, I began to get to know each other. After the baby was born, this friend naturally had several more insurance policies.
This is a very touching thing,
But when I look at the insurance policy, I only feel a headache.
What exactly does this policy cover?
Regardless of costly long-term accidents,
The newborn child was given a high whole life insurance?
What is the use of life insurance on the condition that people are gone?
It's just that I want to buy a guarantee for my children.
This is a pure little wish of parents.
How can it be used for harvesting?
Child insurance is actually very cheap.
Taking a serious illness as an example, my son brought a table of the incidence of serious illness:
If the probability of a person suffering from a serious illness in this life is 1, the total probability of illness in the first 20 years of life is less than 1%.
Pricing is in line with probability, and it should be very, very cheap to buy insurance for children.
In fact, you go to see a lot of internet insurance, which is really cheap.
The coverage of Mengbao accident insurance sold on Alipay is 200,000 yuan, 79 per year;
The online critical illness insurance covers 500,000 yuan, with a term of several hundred yuan and a lifetime of 1000 yuan.
But in reality, how did it become 8,900 or even tens of thousands?
Why is it so difficult to buy insurance for children?
Listen to your son analyze the reasons behind this phenomenon.
Parents always want to give their children the best care.
But most people have no time and energy to study insurance.
Often salesmen can't stand it, so they buy one insurance after another.
As a result, most parents bought the wrong insurance for their children and were cheated by various routines.
1, bundled garbage insurance: "big and complete"
Many parents hold the idea of buying insurance for their children without worrying about money.
Cutting meat bought a so-called guarantee for children.
This gives many insurance companies an opportunity. Many insurance companies have launched many large and comprehensive products, saying that "one policy guarantees all".
Insurance against illness, disability and death, serious illness can be paid, minor illness can be reimbursed, from head to toe, in the sky and underground.
People don't want to think about it. Is it possible?
This kind of product is often a collection of goods.
This kind of insurance covers everything, but not all. It's still expensive to sell, several times more expensive than buying it alone.
Let's take the child X Anfu as an example.
The surface is critical illness insurance, but it is actually "whole life insurance+critical illness insurance+..."
If nothing else, say this binding whole life insurance,
What does this whole life insurance mean to children?
We can know from a brief analysis,
How ridiculous it is to buy whole life insurance for children;
Suppose we buy whole life insurance for our children, this kind of compensation,
Not only does it mean nothing to you-as parents, no one wants white-haired people to send black-haired people.
Children don't need it-children don't have it. What's the point of compensating children?
Insurance is to buy protection,
Isn't it obvious that cheating is tied up with insurance that is meaningless to the parties?
In addition, the critical illness insurance part,
Since it is for children, since it is critical illness insurance, let's take a look at the critical illness insurance protection.
I got the empirical data of children's serious illness in China, which can be used for your reference:
Look, the protection of children's X Anfu's specific serious illness is trivial, and the high incidence of serious illness also cuts corners.
What is bought is useless, and what is useful is not.
Large comprehensive insurance is often "big and pit"
If sold separately, it won't look good.
Bundled together, the premium is several times more expensive.
Be careful if you encounter large and comprehensive risks.
2. Buy whole life insurance for your children.
Whole life insurance is a big and complete part, but it is worth mentioning separately:
Many families buy insurance for their children because they want to buy "full" insurance to protect their children in all aspects.
Some salespeople took advantage of our eagerness to love our son and tied the messy insurance together, whether it could be used or not.
You think it's all insured, but in fact you stepped on a big hole.
For example, many parents buy life insurance for their children in a muddle.
In order to protect minors and prevent some unscrupulous parents from killing their children to cheat insurance, the state stipulates that:
The death insurance for minors 10 should not exceed 200,000.
10 years old-18 years old, no more than 500,000.
This means that even if you buy a life insurance for your child, you can't use it if the child dies unfortunately.
For most children's products, the situation is like this:
What does this mean?
I bought a life insurance policy for my child, which could not be used for the first 18 years, even if I died, I only refunded the premium.
18 years later, the child grew up. If the child dies at this time, you will lose 500 thousand if you buy 500 thousand insurance.
However, can this 500,000 yuan make up for the hard work of raising such a big child?
Besides, whole life insurance is very expensive. Take whole life insurance bound by X Anfu as an example:
0-year-old insurance, 500,000 insured amount, 20-year payment, 3850 yuan per year.
Whoever pays the money is equivalent to hitting Shui Piao.
I didn't use it before 18 years. Even if I used it later, the cost was high and the insurance coverage was not enough.
So, whole life insurance bought a pit!
Never jump into this pit.
3. "You can return the money if you are sick": Return the insurance.
Many people always think that money can't be wasted.
If you pay a lot of money and it turns out to be safe, isn't insurance bought for nothing?
As a result, many companies have introduced return insurance, which is called "returning books if you are sick."
If you are ill, I will pay you a sum of money.
If you are not sick, you can still return the "premium" to you when it is due.
"This is simply free insurance!"
But if you really buy it, you will be fooled.
Let's look at two products:
One is pure guarantee in sunny days, 945 per year;
A return model, with an annual X score of 2019,4750.
The premium of love x score 20 19 is five times that of sunshine insurance.
And this comparison is unfair to the protection of sunny days.
The responsibility of sunny insurance is much stronger than loving X points.
Mild illness, sunny day 30%, love x 20%;
In the middle of the disease, 50% compensation is guaranteed in sunny days, and love has no X points.
Moreover, children have a high incidence of serious illness, and sunny days can guarantee much more than full marks in love.
For many diseases, sunshine insurance can pay double the insured amount, but there is no guarantee for loving X points at all.
In addition, the coverage for sunny days can be increased year by year, by 15% every two years, and can be increased to 175%.
500,000 insured amount, 10 years later, 875,000 can be paid.
This means that this insurance has certain anti-inflation ability.
This is very interesting.
A parent with a normal mentality considers whether the insurance coverage is enough in case my child is sick; In case the child falls ill and the money depreciates after 20 years, will the insurance amount be enough? Do you want to buy an anti-inflation insurance?
Children's critical illness insurance is hundreds of dollars! It costs thousands to return the goods alone. ! !
And think about it, it will take 30 years to return it.
10 thousand dollars 30 years ago and 10 thousand dollars 30 years later, can it be the same?
Some people brag that it is regressive, but everyone thinks that what his son said is true.
Children should not be equipped with return insurance at all!
I feel particularly sorry for the parents who bought the return insurance.
I remember how many years it will take before I can recover the money.
But as we all know,
Some bad people with malicious intentions have sold your children, and you are still helping to count the money.
I specifically talked about return insurance before.
If you have any questions, you can also read my article:
Today, I pulled out my underwear for the return insurance.
4. Low-income education fund
In the circle of friends of insurance salespeople, we often see such slogans:
This insurance is too powerful,
Education, marriage, entrepreneurship and old-age care can all be guaranteed, even for my three generations.
Many people pay money when their minds are hot, and as a result, they buy a "five slag wars".
Let's take Xi 'an Ivy as an example. A 7-year-old baby can guarantee to graduate from college at the age of 22.
Every year 13059, pay for 5 years, and get back 90,000 yuan at the age of 22.
Look at the annualized rate of return, only 2.49%.
At first glance, this kind of education subsidy is fierce, and the income is less than 2.5%.
Now, many smart deposits like X East Finance can achieve more than 4% and zero risk within 500,000.
I just want to ask, your education fund has been locked for more than ten years, and the rate of return is not as good as that of bank deposits.
Buying a low-income education fund is like raising an insurance company with the money from raising a child.
Moreover, after entering this pit, it will cost thousands more every year, and the total premium will cost hundreds of thousands more.
If you want to return, you will lose money; Continue to pay, family finances may be under pressure.
Not worth it, not worth it.
5, children's universal insurance: known as omnipotent, nothing can be done.
In addition to the previous routine, there is a more pit called universal insurance.
This kind of universal insurance is basically a combination of the previous categories of products, adding pits on the pit.
The complexity of insurance products is directly proportional to the degree of pits.
The more complicated it is,
And universal insurance is the most complicated and pit.
Generally speaking, the marketing words of this kind of products are as follows:
5000 yuan a year, one day is 13 yuan, which is not enough to buy a pack of cigarettes, but what can I buy? Children can get 4000 yuan a year in high school; In the university stage, the annual income is 6.5438+0.2 million yuan; Married at the age of 30 can still receive200,000; At the age of 60, you can get hundreds of thousands; Even if you are unfortunately seriously ill halfway, you can still pay 80,000 yuan; You can still leave some money for your children and grandchildren after one hundred years. ...
A pack of cigarettes a day?
To tell the truth, if you buy this product, you might as well save it to buy cigarettes for your husband.
This kind of products generally advocate capital preservation and financial management, but in fact, at first glance, the capital preservation is not good and the income is not good.
Let's take X-An's X energy star as an example:
7,000 yuan, you can buy so much protection, it looks very rich.
We might as well take it apart,
Let's take a look at the security part first:
1.5 million life insurance+1.2 million serious illness+1 10,000 accidents,
10.5 million life insurance+10.2 million serious illness. Let's take the children's health welfare on Alipay as an example, which is about10.050.
65438+ 10 million yuan is 39.5 yuan.
Their cost is 1 100 at most.
Let's take a look at X-Energy Star. How much will it cost?
Life insurance: 456
Serious illness: 132
Accident: 170
Accidental medical treatment: 423
Exemption: 400
The total is ***2708, which is more than twice as expensive.
And this is 1 .20,000 serious diseases and110,000 accidents.
Who are you kidding?
This amount of insurance can only buy psychological comfort, and it is not enough at critical times.
A child's accident or serious illness will affect his life.
Do you think this insurance amount is appropriate?
Let's look at the financial management part:
Judging from the historical income account, the income is still good, reaching 4.5%.
But! You will find that there is no guarantee for this part and there is not much money for this part:
7000-3500 (first year commission) -2708 (guarantee part) =792
This account can be managed, just over 700 yuan.
?
For something with 7000 yuan, take more than 700 yuan to manage money.
When do you expect Ben to come back?
Financial management also has p.
Products like this have really reached a new height.
Security is not good, nor is financial management.
Do you buy it for children, love them or cheat them?
Some people even sell this product?
Where is the conscience? ! !
In the first 20 years of a child's life, it depends on the parents.
What do you mean, eating, drinking and having fun depends on parents, and buying insurance depends on parents.
Therefore, as parents, we should remember one sentence: mind your own business first, and then mind that little turtle calf.
In a family, the responsibility of parents is to earn money, and the task of children is to spend money.
Many people give their children complete insurance, but they are "streaking".
I don't want to think about it,
Parents are dead, the family has no source of income, and the children have no money to buy milk powder, let alone pay insurance premiums.
A family of three, parents first, children later, this is the principle.
Make it clear, let's talk about how to insure the small turtle's calf:
Then say:
1, children's medical insurance
Many parents may not know that there is such a thing as child health insurance.
Very cheap. As long as you spend 100-500 yuan a year (the state will subsidize 40%-60% of the premium), you can reimburse 60%-90% of the medical expenses.
No matter what the physical condition, newborns can be insured when they land. Moreover, if you are insured within three months of birth, the medical expenses incurred within these three months can be reimbursed.
Therefore, whether adults or children, before considering commercial insurance, they must match medical insurance, a basic national welfare.
2. Children's critical illness insurance
Because the probability of a child suffering from a serious illness is very low, the critical illness insurance for children is usually very cheap.
At the same time, it is particularly expensive to treat children's major diseases.
Take leukemia as an example, the daily cost of intensive care unit is tens of thousands of dollars.
Children's critical illness insurance is a compensation system. Once you get sick, give the critical illness insurance amount directly to your family, and pay 500 thousand directly if you buy 500 thousand.
The money can be used by families to treat their children, make up for the loss of income during this period, and take care of their future lives.
This means a lot to this family.
Moreover, children's critical illness insurance is very cheap. At this age, 500,000 insurance coverage is even cheaper than millions of medical insurance in some age groups.
Cheap and practical,
The insured amount is recommended to be more than 500,000.
Only a few hundred dollars in 30 years, only one or two thousand in 70 years/life.
Note: When purchasing children's serious diseases, we should pay attention to whether the children's high-incidence and serious diseases are complete. If there are high-incidence and serious diseases, it is best to pay more:
3. Child accident insurance
Xiong Haizi's biggest feature is his skin, which often bumps and burns.
Then a cheap and practical accident insurance is necessary.
Children's accident insurance,
Small enough to fall, cats scratch dogs and bite;
As big as traffic accidents and electric shocks, it can be guaranteed.
The insured amount of 200,000 yuan shall not exceed 100 yuan per year.
There are two suggestions for buying accident insurance for children:
First, we should pay attention to accidental disability and accidental medical treatment.
Because of the accidental death, the state stipulates that there is a limit of 200,000 under the age of 9, and buying more is also free.
Therefore, we should pay attention to accidental disability and accidental medical responsibility.
Accidental disability is paid in proportion to disability. Even if one arm is completely broken, it can still pay 60%, 200,000 yuan 1.2 million yuan. Obviously, it is not enough, and you can make high coverage by configuring multiple copies.
However, accidental medical treatment is more useful in real life, because it is reported, sold, distorted and broken.
Second, if the children at home are too skinny, you can also buy a guardian responsibility by the way.
Xiong Haizi accidentally bought my uncle's porcelain bottle or damaged my aunt's ipad, and the insurance company will compensate you.
Xiong Haizi is happy, you look at peace of mind.
4. Millions of medical insurance
Putting millions of medical insurance in the fourth place is not because it is unimportant, but because it is short-term insurance.
Millions of medical insurance is a reimbursement system. Except for social security reimbursement and deductible, hospitalization and medical expenses in the hospital can be reimbursed.
Moreover, millions of medical insurance generally has millions of guarantees, no matter what the disease is, it will definitely be enough.
If there is extreme risk, the child will get millions of diseases, and even the critical illness insurance and medical insurance will not be guaranteed.
In order to prevent the family's financial situation from being crushed, millions of medical insurance is your only choice.
Just because millions of medical insurance is short-term insurance, just buy it for one year, and the best products are guaranteed to be renewed for six years.
If the car body changes or the product is removed from the shelf, it may lead to the failure to renew the warranty.
Therefore, while purchasing, we should also pay attention to the insurance mentioned above.
5. Xue Ping Insurance/Micro-medical Insurance
These two types of insurance, medical and accident coverage are not high, usually only tens of thousands.
If claims need to be settled, the money should be paid by the family and affordable.
You can choose at your own risk or buy a medical insurance/micro-medical insurance.
The premium is not expensive, and it looks like tens or hundreds of dollars.
We need to buy so much insurance for our children, so much insurance, how much should we pay?
Childe gives you three sets of plans.
Share three insurance schemes for your reference:
The first scheme is suitable for families with a small budget and pursuing the ultimate cost performance:
Critical illness insurance is recommended to be insured (assessed) in sunny days, with a coverage of 500,000 yuan for 30 years and 575 yuan per year.
The biggest feature of Sunshine Insurance is that the insured amount can be increased, increasing by 15% every two years, with a maximum of 175%.
10 years later, the insured amount of 500,000 can be increased to 875,000.
This means that this kind of insurance can resist inflation and is excellent.
And there are children with high incidence and serious illness.
For example, after 10 years, if you have leukemia unfortunately, you can pay 275% of the insured amount and 500,000 yuan1375,000 yuan.
Very suitable for family purchase.
Accident insurance is recommended for big bodyguard children's edition (evaluation), with a coverage of 200,000 56 yuan and absolute floor price.
And this unexpected medical part is excellent.
0 is free, and the reimbursement rate is 100%, with a maximum reimbursement of 50,000. Self-funded items other than social security can also be reimbursed.
It belongs to a product that can be placed with eyes closed.
Medical Insurance Recommended Good Medical Insurance and Long-term Medical Care on Alipay (Evaluation)
2 million medical reimbursement amount, 1 10,000 free of compensation;
The amount of reimbursement for serious illness is 4 million, and 0 is deductible.
But also guarantee to renew the insurance for 6 years. If it is no longer needed within 6 years, you will have to pay for serious illness.
And from the premium point of view, it is the best million medical insurance on the market, and it is the most friendly to children.
This one is highly recommended.
The second scheme is suitable for well-off families:
For critical illness insurance, choose Mommy Baby (evaluation), the insured amount is 800,000 yuan to 70 years old, and the critical illness insurance will be paid twice, 2408 yuan per year.
Mommy Baby is a product that absorbs all the advantages of others. The warranty period can be long or short. If you have a serious illness, you won't lose twice. If you have a serious illness, you can still pay for it.
Moreover, 18 kinds of specific serious diseases are the most in children's serious illness insurance at present. Most of the children with high incidence of serious illness can pay 200%, and the insured amount of 800,000 can pay 1.6 million.
Mommy's responsibility to protect Beibei is practical, comprehensive and good.
Accident insurance or choose the big bodyguard children's edition, not to mention.
The recommendation of million medical insurance is to recommend the choice of over-guaranteed long-term medical care (evaluation) with more comprehensive protection.
The general medical insurance coverage is 2 million,10.5 million deductible.
The critical illness medical insurance coverage is 4 million, 1.5 deductible.
Six-year guarantee renewal+special medical care, and the guarantee is also very complete.
The guarantee can be complete, and everyone can buy according to the family situation.
In addition, micro-medical insurance has been added, with 10,000 yuan for Ping 'an children to ensure 20 19 10000 hospitalization and zero compensation exemption, 10000 accidental disability/death, every year 180 yuan.
Because 0 is a deductible, children will be hospitalized for minor illnesses and disasters, and the probability of using it is still very high.
The third scheme is suitable for families with adequate budgets.
Critical illness insurance,
Huixin 'an health insurance has a lifetime guarantee of 800,000 yuan and an annual premium of 3,064 yuan.
600,000 sunny days in 30 years, 690 yuan every year.
A ***3754 yuan.
Under this configuration, I calculated,
If you are insured at the age of 0, you can pay 1 .6 million if you are out of danger at the age of 0.
1 1 year-old can pay 1.85 million, and if a child like leukemia is at high risk, it can pay 2.85 million.
2 1 year can lose 1.85 million, and 3 1 year can lose 800,000.
In this case, it is very similar to the responsibility of parents to their children, from heavier and heavier responsibilities to lighter and lighter responsibilities in adulthood.
Until the back, you looked at the background where the child was far away and said that there was no need to chase him, and there was still 800,000 insurance to protect him.
Accident insurance,
In addition to the big bodyguard children's edition, you can also add a little urchin, with a guarantee of 600 thousand.
The cute baby can be bought on Alipay, and the responsibilities are also very good, including vaccination accidents and guardian responsibilities. The coverage of 200,000 yuan is only 79.5% a year.
Small-scale medical care is the same as before, just choose safe and ten thousand yuan care.
Millions of medical insurance is still beyond long-term medical care, and small medical insurance is still safe and sound, so I won't say much here.
Well, speaking of which,
From low allocation, medium allocation to high allocation, there are three options to choose from.
Everyone can buy according to their own economic situation.
Children's insurance itself is very simple,
But there are also various routines.
Childe wrote this article to solve this problem.
Avoid these misunderstandings and understand the correct configuration ideas.
Referring to the configuration given by my son, it is not difficult to buy a good insurance that suits you.
In practice, there may be various details.
If you have any questions or don't understand, you can write privately or leave a message below.
That's it.
More insurance configurations, welcome to pay attention to big money, and save half the money by buying insurance.