Spring Festival children's lucky money, use the accident ins
Every Spring Festival, for the children, the greatest happiness is to receive the money, and as the economy grows, the number of money is also rising, using the money to buy an insurance for the children, has become a lot of parents Financial choices.
Health accident insurance is the primary insurance. Mr. Liu’s son will receive a considerable amount of money every year. This year, Mr. Liu intends to use this money to buy an insurance.
Life Insurance Director of Marketing Services Cai Renjun said that to buy insurance for children, you can cultivate your child's risk management awareness and financial awareness, and let the children feel the parents' care.
At present, there are many types of children's insurance on the field, including children's accident insurance, children's health insurance, children's education insurance and children's investment and wealth management. Experts suggest that children's self-protection awareness is not strong, and accidents are easy to occur. Therefore, it is necessary to insure an accident insurance, and the accident insurance premium is cheap. Only a few hundred premiums are paid each year to obtain a high insurance coverage. In addition, children's physical fitness is weak, and sick hospitalization expenses have become a headache for many families. You can choose a hospitalization medical insurance, which can reimburse a certain percentage of hospitalization and medical expenses.
Education insurance should be done with great efforts. Many parents like to buy education insurance for their children. However, experts remind that education insurance premiums are relatively high, and mainly provide a certain level of education and even return of business funds for children. Small, or family conditions are not sufficient, there is no need to first purchase education insurance.
It is understood that the current education return period is different, some return period can be 70~80, short-term is 20~30, the policy is terminated after completing school or getting married. If the economic conditions are limited, only consider the education guarantee. The product is OK, and parents don't have to plan for their children's future retirement.
Insured Tips, pay attention to the premium exemption clause, Cai Renjun, the head of the operation department of Life Marketing Service, reminds that for minors, don't forget to attach a death/major disease exemption insurance. Once the insured suffers or suffers from serious illness, it is not necessary. The child’s insurance premium will be paid, and the insurance contract will continue to be valid, which can achieve “double insurance”.
Insurers said that in the design of children's insurance, some insurance companies will consider that the accumulation of children's education funds will not be interrupted by parents' accidents, illnesses, etc., so the premium exemption has become a major factor.
However, different exemption conditions have different exemption benefits. If some products are only partially exempted from the main insurance, some products are exempted from the entire insurance premium for all the main insurance premiums, such as the insurance “growth” combination protection plan. Avoid accidents caused by parents, the main insurance is effective and the additional risks are invalid, resulting in insufficient protection.