If you want to know how to buy child insurance, the first and most important thing is to know the functions of various insurances.
For children's insurance, different types of insurance are to solve different problems. Parents buy insurance for their children, the key depends on what parents care most about. There are many kinds of children's insurance on the market now, but they can basically be divided into three types: medical insurance, savings insurance and investment insurance. To buy insurance for children, we should first buy medical insurance for children, followed by education savings insurance, and then consider buying insurance with investment function for children when we have spare time.
Insurance experts pointed out that children are not covered by China's current medical insurance system, and their physique is weak and their chances of getting sick are high. Therefore, in order to provide a health and safety guarantee for children and prevent families from falling into financial difficulties due to their diseases or accidents, only by purchasing a child insurance as soon as possible can this problem be effectively solved. In addition, children's education funds often need long-term accumulation, ranging from 5-8 years to 10- 15 years. If things come to an end and temporary preparations are made, the amount of children's education funds, especially the cost of going to college, will often make many parents feel at a loss. This is also an important selling point of children's insurance products. As long as parents don't look down on small money, small money will become big money after a period of time, 500 a month, 6000 a year, 10 is yuan, and if dividends are added, there will be more. Therefore, the sooner you help your child to buy a savings-based child insurance, the easier it will be for you to accumulate education funds and help your child make plans in advance, so that you can have the same starting point as others and enjoy the right to go to school fairly in the future. It is precisely because of the importance of children's education fund that in the process of preparing education fund for children, we should pay special attention to the stability, safety and risk avoidance of fund accumulation, and try our best to choose the accumulation method of fixed income and capital preservation. This is also why investment insurance should be placed on the last purchase for children. The concept of investment is dazzling, but in a certain sense, it runs counter to the fundamental purpose of children's insurance.
In the process of buying all kinds of insurance for children, parents should be reminded of the premium exemption of children's insurance, and at the same time do a good job of self-protection. In this way, even if the parents have an accident in the future, resulting in death, first-,second-and third-degree disability or serious illness, the insurance company will waive the future premium to ensure that the insurance contract of the children can continue to be valid. Tips for buying insurance for children
First, it is cost-effective to buy early.
The younger you are, the cheaper the premium you pay and the more cost-effective the life insurance you buy. As the payment of life insurance claims is exempt from all kinds of taxes, according to the usual thinking abroad, the property can be transferred to the child's name by helping the child buy insurance, so as to achieve the purpose of tax avoidance. At the same time, in order to prevent parents from continuing to pay premiums during the insurance period, they can purchase additional insurance free of premium when purchasing the main insurance, so that the insurance company can pay premiums in the case of parents' death or high disability, so that the protection for children will continue to be effective.
Second, the cost should not be too high and the payment period should not be too long.
Buying insurance for children should not be compared with each other, but should be based on the family's economic situation. Some types of insurance look good, but after careful calculation, the cost will be higher, so parents should keep their eyes open when choosing; The payment period should not be too long, because children should choose appropriate insurance when they grow up;
Experts suggest that the payment period of insurance products purchased by parents for their children can be concentrated before the children are underage. When he grows up, he can choose the insurance that suits him. 0-6 years old: this age group is the most prone to get sick and have some minor accidents, so it is very necessary to prepare a medical insurance for children; 7- 12 years old: Education fund and medical insurance are indispensable. Because of the older age, it is relatively expensive to buy children's insurance, so you can choose insurance with cash return function when you apply for insurance; /kloc-after 0/2 years old: cultivate children's financial habits. On the one hand, you can choose cash-back life insurance to solve the problem of education funds, on the other hand, you can also choose savings insurance to invest in your child's future in advance.
It is worth reminding that children are important, but don't forget that parents are the source of income after all. Only children are insured. Once parents have an accident, such as unemployment or death, their children will lose their source of protection. If the premium is too high, let alone in the future, it may affect the lives of their current families. The annual premium paid for children should not exceed that of parents. If you can't take care of both, adults should be the main ones. Moreover, the insurance plan of the whole family should be considered as a whole and arranged in a unified way, so as to avoid policy overlap and make the limited funds play the maximum role.
Third, safety comes first and benefits second.
The important principle of choosing child insurance is that protection comes first and income comes second. Some parents often go into a misunderstanding when buying insurance. They often only pay attention to the types of insurance that can pay for education, and even think that buying insurance should be considered for their children's lives. According to the survey, quite a few parents buy old-age insurance for their children.
We suggest that the protection of children's healthy growth should be considered first, that is, the protection should be considered first, and then the return on investment should be considered. When choosing insurance for newborn babies or preschool children, we should pay attention to ensuring as comprehensive as possible, and the order of insurance should be "adults first, children later". Only by ensuring parents' health and stable economic income, the protection of children is not empty talk.