Being with you" two whole insurance (participating type)
Some people have roughly calculated that, according to the current family income and living standards in China, to raise a child from birth to adulthood, you need about 200,000 yuan to 300,000 yuan, which does not include the child's growing process of the required medical expenses. And if you buy an insurance policy for your child earlier as a protection, parents can save a lot of money.
Generally, children's insurance policies can be categorized into two main types: savings insurance and protection insurance.
Savings-type insurance mainly refers to the child's education insurance. In recent years, with the increase in the level of family income, the cost of children's education has soared, so it is not a bad idea to take advantage of the child's young age and low premiums to plan in time for the child's growth fund for the coming period of time.
On the other hand, protection insurance is generally categorized into accident insurance and medical insurance. Children are active, curious, and have a poor ability to predict danger, so there is a high likelihood of bumps and bruises. Parents can use their discretion to buy accident insurance for their children, so that they can get some financial compensation in the event of an accident. At the same time, the use of medical insurance to share medical expenses is also an important function of children's insurance. In addition, due to changes in climate and environment, dietary structure and other changes, there is a tendency for major diseases to become younger and younger, and the high medical costs of major diseases have become a heavy burden for some families. As a result, many insurance companies have recently upgraded their children's major disease insurance.
There are many children's insurance products now, such as AIA's "Kang Ai" insurance plan, Haikang Life's "Want Want Baby Two Whole Insurance (Participating)", and China Hong Kong Insurance's "Smart Baby". The company's "Smart Baby" by China Hong Kong Insurance, and so on.
As for which one to buy, it depends not only on the product but also on the quality of service of the insurance agent, even if the same insurance company, the quality of different agents are different.
I'm a member of the Shenzhen Sincere Life Insurance Company, and I think the quality of our agents is quite good, following the company's culture of listening to the customer is a sincere service.
Credit life insurance products for children's products are mainly [with your children] two full insurance, additional [with your children] children's long-term illness insurance and additional [with your children] children's accident insurance.
The combination of the above three insurance policies can fulfill your children's needs for comprehensive protection, including education savings, medical treatment, accident and life protection.
The sum insured, premium, payment period and coverage period of these three types of insurance are as follows:
1. [Accompanying Your Child] Double Insurance, with a sum insured of 100,000 yuan, a premium of 7,204 yuan/year, a payment period of 13 years, and a coverage period of 23 years;
2. Additional [Accompanying Your Child] Pediatric Long-term Disease Insurance, with a sum insured of 50,000 yuan, a premium of 137 yuan/year, a payment period of 13 years, and a coverage period of 23 years;
3. The period of coverage is 23 years;
3. Additional [Walk with You] Children's Accidental Injury Insurance, with a sum insured of 100,000 yuan, a premium of 200 yuan/year, a premium payment period of 13 years, and a coverage period of 23 years.
Main Insurance Liability and Benefits:
1. Life Protection.
2, 18, 19 years old is to receive out of 10,000 yuan per year as education, 20, 21, years old 15,000 yuan per year as education; 22 years old to receive 20,000 yuan, 23 years old to receive 30,000 yuan can be used as a start-up fund.
3, dividends, according to the general earnings, 25 years old when you can receive back 30,000 or 40,000 yuan of premiums.
That is to say, by the age of 25, you can **** receive back 13, 14 million in premiums plus interest.
Additional Insurance Liability and Benefits:
1. Additional [Accompany Your Child] Children's Long Term Disease Insurance, with medical reimbursement up to a maximum limit of 50,000
2. Additional [Accompany Your Child] Children's Accidental Injury Insurance, with a proportional maximum of 100,000 paid out.
Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"