Child Insurance
Child Insurance Definition
Is designed specifically for children, insurance products, including children, accident insurance, children's health insurance, children's education, insurance, etc.
[Edit this paragraph] Types of Children's Insurance
1, children survive payment insurance (education grant)
The insurance needs for children and adolescents at different growth stages of the survival of the corresponding insurance. Such as elementary, junior high, high school and college education fund for several periods to participate in the work of the future of venture capital funds, marriage and even after their retirement funds such as pension funds. Insured children to the various specific stages in life can be a reserve fund to alleviate the financial burden of parents fully well that their parents care for their children and care was intended.
2, children accidental death and disability insurance
The insurance on the insured children once the accident resulting in death and disability protection. Generally attached to the children's life insurance payment, rather than setting up a separate insurance.
3, children diseases, medical insurance
This insurance is insurance for children suffering from diseases arising from the treatment, hospitalization and surgery costs of protection. In accordance with the status quo of China's current healthcare system, children in this age group is basically in a state of no health insurance. Therefore, the commercial insurance companies offering the prospect of children's health insurance, are substantial.
[Edit this paragraph] the principle of children's insurance to buy
Excellent protection insurance experts recommended that a new born baby or preschool selection of insurance, in addition should pay attention to security should be as comprehensive as possible, we must also observe the following three principles:
An insured order: first, adults and children after.
In a family, parents are the family breadwinner, and only to protect the health of parents and a stable income, the child protection was not words. Premiums paid annually for a child not more than parents, the premium, if not both, should be mainly adults.
Both husband and wife after the purchase of appropriate insurance, as well as economic strength, should first consider the purchase of medical expenses for the children classes and accident insurance. If the economy allows, you can also consider the insured savings-type insurance, education, insurance and other payment savings categories. Purchase of pension-type insurance for their children should be the last consideration, of course, the sooner buy, the cost lower.
2, Payment period: not too long.
Parents give their children to purchase insurance products, payment period can be focused on a minor child, before, after he grew up, can choose their own appropriate insurance for their own insurance.
3, to protect the period: may be relatively long.
Children's risk insurance limits are not necessarily high, but it should be faithfully accompanied their children through each of a growing critical stage.