Frequent accidents, children's insurance is concerned by par
Recently, there have been many cases of kindergarten tragedies, and the issue of children's safety and security has been highly valued. In fact, as early as April 2008, the Ministry of Education, the Ministry of Finance, and the Joint Notice on Implementing the School Responsibility Insurance to Improve the Risk Management Mechanism for Campus Injury Accidents, called for the implementation of accidental injury school liability insurance system in all primary and secondary schools. The issue of children's safety and security has long been valued by the government and schools.
However, many parents have been paying more attention to children's learning problems and cultivating skills in all aspects, but neglecting one of the most basic problems of children, namely insurance protection. Until some cases occur, insurance products that are used to address the risks of illness, disability, death, etc. that may be faced during the child's growth process are brought to the attention of parents.
Insurance experts believe that children's insurance is used to solve the risks of education, entrepreneurship, marriage, and the risks of illness, disability, death, etc. that children may face during their growth. They are roughly classified into three categories: accidental injury insurance and health. Medical insurance and education savings insurance. Insured children's insurance can not only reduce accidental stress, reduce the burden of medical expenses, but also reserve education funds for children. Parents can choose different types of insurance according to their economic strength, and they can choose insurance according to their age.
Accidental injury insurance is currently the most common child insurance, mainly for the characteristics of children and children vulnerable to injury, the premium is usually not expensive, only tens to hundreds of per year, accident insurance, low premiums, high insured amount With the characteristics of small Boda, parents can lock in the uncertain large amount of loss risk through certain small expenditures, and the cost performance should be the first choice.
In addition to some accidents, the child's headache is hotter and the hospitalization probability of illness is much higher than that of adults. The major diseases are not patents of adults. At present, many major diseases have a trend of aging, such as leukemia, severe myocarditis and other major diseases occur more frequently. In children, once it occurs, high medical costs will become a heavy burden on families.
Therefore, children's health insurance is also essential, including mainly children's major diseases and children's hospitalization. The former is a payment type, that is, as long as the baby is confirmed to be suffering from the disease within the insurance coverage, the insurance company will pay according to the agreed insurance amount; the latter is the compensation type, and the total cost incurred is the upper limit of the payment, according to the agreed ratio or The amount is paid. Buying a medical insurance does not mean that the child can be reimbursed if he or she is sick. Generally speaking, insurance companies are not reimbursed for outpatients such as fever and cold, and only large expenses such as hospitalization and surgery can be subsidized.
In addition to accidental injury insurance and health insurance, education savings insurance is increasingly becoming a hot-selling insurance. The survey shows that the cost of cultivating children in Beijing and Shanghai has risen sharply in recent years. From the perspective of direct economic costs, the total cost of children in 0-16 will be around 250,000, and the estimated household expenditure for higher education institutions will be as high as 480,000. Increasingly high education expenditures have made education savings insurance gradually favored.
Insurance industry insiders said that after protecting the health and safety of children, education funds can be appropriately planned according to economic conditions. Education gold insurance is actually a combination of savings and security functions. Compared with savings, there are more security functions, which is more in line with the attributes of education funds that require higher financial security.