With the continuous development of the social economy, the requirements of the enterprise for higher education are getting higher and higher, so the attention of parents on the education issue is also increasing. Children's education insurance not only reduces spending, but also provides better education for children. What are the skills for purchasing children's education insurance?
Children's education insurance purchase skills
1. According to the family economy to buy
for the purchase of children's education gold, parents should be based on the family's situation, the premium should not exceed 20% -30% of the family, if more than this ratio, after the family The economic burden will be heavy.
2. Additional medical insurance
For the average family, if children's education insurance is purchased for their children, parents are advised to attach some medical insurance for their children, such as child medical insurance and accidental injury insurance.
3. Buying children's education insurance is
. The most suitable age for children's education insurance is 5, because the time for insurance is early, the more education money will be accumulated, the annual payment will be less, and the protection will be earlier.
4. Premium exemption
Try to buy some education insurance products with premium exemption. In the process of payment, parents have the ability to lose premiums in case of major illness or accident. The remaining premiums are paid by the insurance company, and the child's protection is still Will not change.
What are the functions of children's education insurance
1. Premium exemption function
premium exemption function means that parents encounter misfortune, death, and total disability in the process of insurance, the remaining premiums will be paid by the insurance company, but the protection of children will not change.
2. Savings function
Insured for children's education insurance, parents can choose the appropriate type of insurance and amount according to the situation of children's education in the future. Once insured education insurance, they must invest a fixed amount each year to ensure the completion of education savings insurance.
3. Insurance protection function
Children's education insurance can provide insurance, accidental injury and high disability protection for policyholders and insured persons. Once the insured person is at risk of illness or accidental death and high disability, and cannot be paid by the child's education fund reserve plan, the insurance company will waive the insurance premium payable by the insured, which is equivalent to the insurance company paying the premium to the insured, and the policy The original rights and benefits are inconvenient and can still provide children with the cost of future education.
4. Financial dividends function
Children's education insurance can resist inflation to a certain extent. Children's education insurance is generally paid in multiple times, and the payback period is relatively long.