Children's curiosity about new things and lack of awareness of avoiding risks determine that children's accidental injuries are higher than those of other people. This kind of insurance can actively prevent the risks arising from external accidents during the child's growth.
2. Child health insurance
Health medical insurance can prevent the risk of medical expenses caused by illness during the child's growth, and prevent the child from getting high-quality and fast medical services due to economic reasons. Because of the high risk of childhood diseases, there are relatively few such insurance products on the market.
3. Children's Education Fund Insurance
Children's education is a major event and an important responsibility and obligation of parents. The process of education is continuous, and the economic cost behind it is high and huge, so it is necessary to make preparations as soon as possible. This requires parents to make a long-term preparation plan for their children's future education expenses, so as to ensure that their children can get the funds needed for quality education in the future with the concept of compulsory savings.
Extended data
Matters needing attention
Accidents, diseases and educational expenses are the three major risks lurking around children, and parents pay more and more attention to them. The medical expenses caused by children's accidents and diseases can often crush a healthy family, and the cost of higher education is getting heavier and heavier.
When insuring children's insurance, we should consider the risks of children at different stages. Buying insurance for children can not only alleviate the economic pressure when difficulties come, but also reserve some economic security for the future.
1, pay attention to children's health
Because of the high probability of neonatal death, preschool children's resistance is poor, and they are easy to get some epidemic diseases, the proportion of general medical compensation for insurance with death as the compensation condition is not high. Insurance experts believe that health insurance should be given priority when insuring newborns, especially the insurance for hospitalization medical compensation.
Relatively speaking, at this time, the insurance payout ratio with death as the payment condition is not high. Generally, you have to die after 4 years old to get 100% death compensation.
Hospitalization medical insurance is mostly consumer insurance, with a guarantee period of one year, which has both main insurance and additional insurance. Hospitalization medical expenses insurance shall be based on the actual expenses incurred during hospitalization, hospitalization medical allowance insurance shall be based on the number of days of hospitalization, and hospitalization allowance shall be paid according to the contract.
2. Childhood accidents
The data of many studies show that compared with hundreds of diseases that lead to children's death, accidental injury has become the first cause of death for children under 0/4 years old in China, and it is also the primary factor for children's disability. It is the wisest choice to buy a child accident insurance for children and provide high protection.
Life insurance companies have launched their own children's accident insurance products. At present, domestic large, Chinese and foreign capital. After purchasing these products, children's death or disability caused by accidents and related treatment expenses can be compensated from insurance companies.
For families suffering from misfortune and general economic situation, this money is undoubtedly a timely help. In addition, children who are accidentally injured in schools, outdoor activities organized by schools or on their way home from school can get double indemnity.
3. Save more during adolescence.
The burden of tuition for children from ordinary kindergarten to primary school graduation is not heavy, and junior high school begins to increase. According to the data provided by the price bureau of a city, the educational expenditure of 12- 18-year-old children is 25,000-40,000 yuan. After going to college, the annual tuition fee is about 5,000 yuan, and the four-year * * * 20,000 yuan.
These are just tuition expenses for general education, not counting the living expenses during college, and there is no budget for traveling abroad and studying abroad. Only in this way, the total investment in education insurance should be at least 654.38+10,000 yuan.
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