What is the coverage of child insurance?
The coverage of children's insurance is generally around 50,000 -65438+ 10,000. Of course, parents can adjust the coverage of children's insurance according to the family's economic situation and children's health status, and effectively transfer risks. Children's insurance mainly includes: 1 Children's health medical 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.
2. Children's accidental injury insurance. 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.
3. Children's education fund planning. 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.
About the insurance coverage of China Merchants CIGNA Children's Insurance
Investment promotion promises to protect the future children's education fund. The coverage of this child insurance is mainly 65,438+0,000 to 300,000. You can choose according to your own situation. Its main advantages are as follows: 1, there are not only education funds, but also 30 kinds of serious diseases: 400% basic security education funds can be obtained (18-2 1 year) 2. Major illness can also be exempted from residual insurance: if the insured dies during the payment period, resulting in total disability or major illness, the residual insurance can be exempted. 3. Pay dividends every year, which not only preserves the value, but also increases the value: 400% of the basic insurance amount is guaranteed, and you can enjoy dividends every year, so while enjoying comprehensive protection, the premium you pay is only put from your left pocket to your right pocket. 4. Receive money for 8 years in a row, and the minimum payment period is 3 years: it can be guaranteed that you can receive insurance money for 8 years in a row until you are 25 years old, 18-25 years old, which is earmarked for special purposes and gives children a longer guarantee. 5. The policy can be loaned: in case of emergency, the policy can also be loaned, and the maximum loanable amount is 80% of the cash value of the policy.
Through the above introduction, I believe everyone has a better understanding of the amount of insurance for children. It should also be noted that the earlier you buy it, the lower the premium will be. But for children of different ages, the focus and amount of protection are different.