Part 1: How to choose children's insurance for your child on June 1
This weekend is Children's Day, and parents are starting to prepare for their children's gifts on June 1, and various topics around children are also heating up. The child's growth process is inevitably encountered a variety of accidents and risks, with the enhancement of people's awareness of insurance, for the child to buy an insurance policy, to provide a protection, has become the choice of many parents. The company's main goal is to provide the best possible service to its customers," he said, adding that the company has been able to provide a wide range of services to its customers.
The first thing to consider in children's insurance is accidental medical
Children's insurance mainly includes accidental injury insurance, health insurance, education savings insurance and investment insurance. The first thing you need to do is to take care of your child's health and well-being by taking care of him or her. At present, the widest and most common type of insurance for students is student safety insurance, which covers mainly school students and young children at school. After paying the premiums, you can get your child covered by insurance including accidental death, accidental disability, accidental injury medical and hospitalization.
Parents can also focus on health insurance products, such as medical insurance and critical illness insurance, when choosing children's insurance for their children. The right health insurance coverage can ease the pressure of treatment costs after a child's illness and allow the child to get a better recovery.
Children's education insurance is usually designed to meet the needs of children and teenagers at different stages of their development. For example, in the middle school, high school and university education stage, the insurance company in accordance with the contract, respectively, to provide survival insurance as the child's education fund, after the child graduated from the university to provide survival insurance as the child's entrepreneurial fund.
On the premise of adequate protection, parents can choose insurance products with both protection and investment functions for their children based on their children's insurance coverage, their own financial situation and financial needs, and choose the right amount and frequency of payment. For children, accidental injury is the biggest threat, followed by the attack of disease, followed by education expenses and financial problems. Children's insurance needs can be considered in the order of accidental, health, education fund or financial products. There are also insurance products in the market that gather several functions into one, which can be considered in conjunction with whether the child owns social security, the family's financial situation and risk preference. Insurance should emphasize its protection function, and it is unlikely that high returns will be achieved by purchasing accident insurance, healthcare insurance and education savings insurance. Although the current market of children's insurance to the majority of dividend insurance, but the amount of dividends is linked to the level of profitability of the insurance company, the return is not certain.
Buy children's insurance do not repeat insurance
Buy children's insurance as much as possible do not repeat insurance, parents to buy insurance products for minor children, due to the death of the insured person to pay the total sum of the insurance benefits should be in line with the relevant provisions of the China Insurance Regulatory Commission (currently capped at 100,000 yuan). Its main purpose is to protect the rights and interests of minors and prevent moral hazard; at the same time, parents are the main source of income and pillar of the family, with parents as the insured, can make the whole family get more comprehensive insurance protection.
Of course, there are three exceptions to the 100,000 RMB limit: the cash value of the contract, the account value of the investment-linked insurance contract, the universal insurance contract, and the amount of aviation accidental death benefit can be excluded from the 100,000 RMB limit.
Although June 1 Children's Day is a very distant thing for adults, the arrival of children allows adults to relive the joy of childhood. In addition to parental care, a suitable . Children's insurance also plays an important role in the whole family!
Part II: June 1 Children's Day Program
Happy Children's Day, Postal Savings with the growth
-- Children's Day theme marketing activities program
First, the background of the activities: children are the family and the community **** the same love and care, is the future of the The hope of the future. June 1 International Children's Day every year, is the children's festival of joy, how to let the children live a full and meaningful Children's Day, but also a lot of parents *** with the same concern. From the perspective of financial business development, postal financial outlets to the children's families in the area as the target customers, through the June 1 International Children's Day theme marketing activities, with lively, positive and uplifting activities, not only to win the children's recognition and trust of the family, but also conducive to the establishment of a good customer reputation, and more to help outlets to collect a number of growing families of customer information, but also better The company's website has been updated with the latest information about the company's products and services, and the company's website has been updated with the latest information about its products.
Second, the activity time: 2016.5.28-2016.6.1
Third, the target customers: the age of 30-40 years of age between the middle and high-end customers.
Fourth, the purpose of the activity: through the "happy smile" and "little banker" activities to actively invite growing family customers, the theme of the children's holiday, the development of banking knowledge education activities, in the minds of children to establish the image of the Postal Savings Bank, with the children to lead the parents to deposit, to achieve the customer's re-improvement, and to improve the customer's quality of life. The company's website has been updated with the latest information about the company's website and its website.
V. The key to the activity: let the children's parents think that participating in the activities organized by the postal financial outlets can not only let the children have a happy holiday, but also more able to help the children's future growth, which is the key to the success of the Children's Day themed marketing activities, and can determine the basis of the outlets to get the incremental customers to reach the activities of the follow-up. Considering the academic pressure and growth of students, it is recommended to carry out this type of activity only for children below the third grade of elementary school. Through the sunshine happy smiley face, to create the atmosphere of the branch at the same time, invisible expansion of customer resources, the child's parents will certainly be active in publicity, canvassing. Little banker activities, through the setting of the fund fixed investment awards, you can children's education deposit
ready for the breakthrough or pressure money how to manage money, so that parents for their children to open an account, fully tied to the high-end customers.
Six, suitable outlets: financial services outlets with certain conditions.
VII, material preparation: mainly divided into two categories of activity promotional products and marketing promotional products. Among them, the activities of the promotional items include postcards, money counting practice coupons, photo whiteboard wall, etc., the activities of the prizes include hand gifts such as: sand painting, children's books, fluffy toys and so on. In addition, when the outlets set the goal of obtaining 100 effective customers, it is necessary to prepare 200 copies of postcards and 20 copies of the money counting practice coupons.
Eight, the content of the activity: the activity can be divided into the pre "sun happy smiley face" and the day of June 1, "little banker" two stages. The outlets can be based on: (a) the outlets business hall bulletin boards, combined with community and village bulletin boards, posted "Happy Children's Day, the Postal Savings with the growth of" activity leaflets (outlets can print their own), to attract target customers families to come to the outlets to participate in the activities. (b) in May 31 before the parents with children to the outlets, one can be for parents and children to take a photo and placed in the outlets for the activities of the special business hall photo wall, the photos on the wall of the children's photos, the children should be next to the photo to write their own dreams and blessings to their parents, and by the hall of the flow of customers to the wall of the photos to vote on the competition activities (the vote to take a special prints of the way to post to the corresponding photo next to the top 6). (Voting takes the form of special prints posted next to the corresponding photos, and the top 6 can be awarded.) Secondly, all customers who bring their children to the branch to handle business can have their children fill out a postcard for free and send it to their teachers or parents. (c) In the evening of June 1, children and their parents can be invited to participate in the "Little Banker" activities at the branch, in which children can visit the business hall of the branch and learn to use the self-service equipment (you can try once to make deposits and withdrawals), and participate in the money counting contest to feel the atmosphere of the bank's work, and interspersed with the activities of the branch financial management salon for children's parents with the theme of education funds. The activity is interspersed with a branch financial salon for children's parents with the theme of education fund, and the corresponding prizes can be set for the customers whose sales are facilitated by the sales and the children who win the money counting contest, and the highest prize can be set for a fund investment of 100 RMB, and the specific awards are set up by the units themselves.
IX, activity follow-up: "sun happy smile" activity stage, outlets to collect customer information and stimulate customer intention; "little banker" activities, outlets to the scene to facilitate the main. The first is that it is not a good idea to have a good time, but it is a good idea to have a good time, and it is a good idea to have a good time, and it is a good idea to have a good time, and it is a good idea to have a good time, and it is a good idea to have a good time, and it is a good idea to have a good time, and it is a good idea to have a good time.
The outlets can focus on education savings, mainly selecting financial products such as term insurance and fund investment for education savings.
X. Other matters:
(a) publicity slogan:
1, Happy Children's Day, Postal Savings with the growth!
2, sun happy smile, grab children's prizes! When a small banker, learn to manage your own money!
(2) the main words:
1, the hall invitation: Hello, you see our branch for the June 1 Children's Day to do the "photo wall" activities, want to bring your children together to participate in it?
2, telephone invitation: Hello, I'm your account manager at the Postal Savings Bank, A, your children to participate in the "sun happy smiley face" activities are over, June 1 evening we will also organize a "small banker" activities, take your children to come together to participate in it? Why don't you bring your child along? You can also take home your child's photo wall frame.
3, the seminar facilitated: Hello, today our branch for you to participate in the "little banker" activities, parents, specially designed for a combination of education planning, the following have our financial planner (financial manager) for you to introduce.
4. Activity follow-up: Hello, we are here at China Postal Savings Bank ** Sub-branch, your child participated in the "sunshine happy smile" or "little banker" activities when the photo, you see which day have time to come to our branch to your child's activity photo to receive it? The first thing you need to do is to take the photos from your child's activities.
Part 3: How to plan for children's insurance
How to plan for children's insurance
Children's health and education is the most important concern of parents, and the same is true for children's insurance, medical and education protection is the first concern of the parents of the type of insurance, in order to meet the needs of the major insurance companies have launched a large number of children's insurance products, which can be used for the children's health and education. The parents can choose according to the actual needs of the child as well as the family's economic conditions to synthesize the choice.
Health protection: accident insurance, critical illness insurance
In the growth of children, some colds, bumps and bruises of minor illnesses or accidents happen from time to time; on the other hand, children in the unfortunate case of major illnesses, the high cost of medicine, nutritional costs are a heavy burden on the family. Children's accident insurance and children's critical illness insurance can protect your child's health. Children's accidental death and disability insurance provides protection in the event of death or disability caused by an accident. This type of insurance can be purchased after the baby is 30 days old.
The child receives a lump sum premium payment from the insurance company in the event of diagnosis of a major illness specified in the policy. Some insurance companies' critical illness insurance policies include common pediatric diseases such as hematopoietic stem cell transplantation, severe myocarditis, severe gastroenteritis, and acute poliomyelitis, in addition to the major diseases specified by the relevant agencies.
Education Savings Insurance provides survival benefits for children and teenagers at different stages of growth. For example, the education fund for elementary school, junior high school, high school and university, the business fund after joining the workforce, the marriage fund and even the pension fund after retirement, etc., so that the insured can reserve a fund at each specific stage to reduce the financial burden of parents.
The three major misconceptions about children's insurance
Misconception #1: Only consider the children, ignore the parents. Parents are the pillars of the family, but also the fundamental guarantee of the child's growth. When buying children's insurance for your child, don't ignore the parents themselves. The first thing parents should consider before buying children's insurance is whether to set up health protection for themselves.
Myth 2: Only consider accidents, general medical, ignoring major disease protection. Children are active and often suffer from colds, fever and other minor illnesses, parents are more likely to take into account the immediate risk for the child to buy some accident insurance, hospitalization medical subsidies, and other types of insurance, but ignored the long-term protection of major disease insurance. Unbeknownst to them, factors such as increased environmental pollution in daily life can also increase the likelihood of a child suffering from an illness. On the other hand, the treatment cost of the disease is also the financial burden of the family, and rehabilitation costs, and the major disease insurance can be diagnosed in the condition of the timely treatment costs.
Misunderstanding #3: Purchase of education savings insurance, only look at the income, do not look at the protection. Many parents in the purchase of education savings class insurance, like to bring with the fund and other pure investment varieties for comparison, often only pay attention to the income, and ignore this kind of insurance to bring the role of protection. In fact, the two biggest advantages of education savings insurance are: first, mandatory savings, to ensure that education funding according to the established goals; second, premium waiver function. When the policyholder died or total disability, the future premiums will be exempted, but the child can still continue to enjoy the insurance protection.