Main categories of children's Insurance
guarantee type children risk - children accident injury risk
children with strong curiosity, lively and active, and poor self-protection consciousness, in the society in the weak group, so the possibility of accident is relatively large. According to the latest statistics, the accidental death of children is increasing at a rate of 7% to 10% a year. The proportion of accidental deaths and injuries in some areas is 1 to 19, which has become the first cause of death for children aged 0~14 in China. The main causes of accidental death were accidental asphyxia, drowning, traffic accidents and poisoning. The main causes of accidental injuries were falling, burning, scalding and animal injury. At present, accidental injuries have surpassed diseases and become the number one killer of children's health.
children's accidental injury insurance is the economic loss for children under 18 years of age, the high cost of medical treatment in the case of accident, and the personal security of accidental disability and death. Therefore, parents can purchase unexpected types of insurance for their children as appropriate. Once the child has an accident, he can get some financial compensation. This kind of insurance is generally a consumer type insurance, only a few hundred yuan a year, all insurance companies have launched.
the insurance premium is cheap, high security and no return. Because only accident injury, so the purchase of this kind of insurance does not mean that you can not worry about the safety of the child, it is only after the accident, you can get some financial help and compensation.
guaranteed child insurance - children's health insurance
in family life, there are two main kinds of expenses related to children's health: one is a major child's disease; the other is the hospitalization of children. At present, major diseases are young, low age, such as leukemia and other malignant tumors, as well as Kawasaki disease, serious myocarditis and other specific diseases in infants and young children, and according to the current basic medical insurance system in China, the age of children is basically in the state of no medical security. Therefore, the use of insurance to share the child's medical expenses has become an important factor to be considered in the coverage of child insurance.
now common children's disease is mainly respiratory and digestive tract diseases, such as upper respiratory tract infection, bronchitis, pneumonia, diarrhea and so on. It is often hospitalized, and the cost is not small. Therefore, when considering the purchase of insurance, parents are advised to purchase additional hospitalization insurance and hospitalization allowance insurance. In this way, children will be hospitalized for thousands of lives. Most medical expenses can be reimbursed, and they can get 50 yuan to 100 yuan / day of hospitalization allowance.
this insurance premium is cheap, high protection and no return. It is more suitable for families with weaker children to buy. The risk of major illness insurance is smaller and the premium is cheaper. In the past, many companies were more than 18 years old to buy major disease risks, but with the increase of insurance products, children under 16 are now able to buy the insurance.
savings type children Insurance - children's education and savings insurance
over the last ten years, educational spending has brought about higher education spending and the changes in the concept of family consumption. More and more parents are willing to invest the limited resources in the education and training of children, and make a financial plan and arrangement for children in advance.
Education Savings risk is mainly to solve the tuition fees for children going to school or studying abroad. The cost of education for children is raised in the form of insurance, and it is necessary to pay the insurance to the insurance company on time. As a kind of compulsory savings, the child can be used in the future. Once an accident occurs to the parents, if the insured product is exempted from premium, the child will not only be exempt from the premium, but also get a living fee. So this kind of insurance is based on savings and security.
this insurance regular quota payment, the deposit returns much more, saves outside the guarantee. The medium and long term reserve for family goals is clear. As the educational insurance companies introduced by many insurance companies all have designed the education fund with the protection of children's death, compared with the simple investment channels, such as savings, the purchase of educational insurance is more a security function. In addition, the purchase of insurance can also achieve the purpose of reasonable tax avoidance to a certain extent.
investment type child insurance - child investment finance insurance
investment linked insurance is a new insurance that integrates protection, savings and investment. Unlike other types of insurance, investment linked insurance can better integrate the advantages of risk protection and financial planning. Investment insurance, especially the omnipotent product, can solve the problems of children's education, such as education, study, pension and so on. At present, the specific insurance schemes for various insurance companies are not the same, but usually the children are in adulthood and the parents are the insured, planning for the children to study abroad and starting the fund for their children. After the children are in adulthood, they will become the insured, and plan to supplement the pension, medical, tourism funds and so on.
families can deal with uncertain educational expenses according to their educational needs. Investment in this insurance category requires a certain economic foundation and a higher premium budget. The insurance premium is free and the amount insured is independent, and it can be taken at any time to protect the external benefits. A family that is suitable for a higher premium budget. As a new type of insurance, the insurance company sales staff usually encourage parents to try to buy. Although the coverage of the insurance is more comprehensive, the parents should still consider the actual needs before they are insured, especially if they should consider whether or not to repeat the purchase.
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