Regarding whether insurance uses this topic, everyone has their own opinions. The vegetables and radishes have their own. The constant is to find their own needs, whether it is green vegetables or radishes, it is good for everyone. Here are some examples of buying insurance that are common in our lives for your reference!
Phenomenon 1: "Family meal ticket" zero insurance
Case: Mr. Zhou and his wife are working in private enterprises. Mr. Zhou is twice as much as his wife. It is a "family meal ticket". The couple were not willing to pay for insurance for themselves, but they bought 3 insurance for 1 baby.
Comments: "First buy a child for the protection" is a misunderstanding when many families buy insurance. In many families, the child's protection is very complete, but the parents who are the mainstay of the family economy are not in danger.
The correct concept of insurance should be: first protect the adult, then protect the child. The risks that children may face are directly dependent on the risks faced by their parents. Therefore, only when the family pillar is adequately protected, the risks of children can be minimized.
phenomenon 2:1 baby 200,000 critical illness
Case: Mr. Zhang's awareness of protection is strong. At the time of the child 1, he spent more than 2,000 on his child's major illness insurance with a coverage of up to 200,000. This insurance stipulates that once the insured has a major illness or death as stipulated in the contract, the insurance company pays the insured amount.
Comments: Many people think that children's insurance is cheaper, they will buy more and lose more. In fact, children's insurance will not buy more and lose more. In order to prevent adult fraud, it harms children. Even if parents insured a few children's insurance with child death as a condition of payment, the maximum amount of money paid by each company should not exceed 100,000. It is not subject to the purchase of education insurance for children.
Education insurance is similar to compulsory savings. The amount of insurance depends on the economic affordability of each family.
Phenomenon 3: Education Jincheng's first policy
Case: After Ms. Chen's baby was born, Education Gold Insurance became the first policy purchased by Ms. Chen for her children. Ms. Chen invests 5,000 in this insurance every year. According to the insurance plan, a certain number of years later, when the child goes to school, Ms. Chen can receive a sum of money each year for the education of the child. However, in addition to this insurance, Ms. Chen did not purchase other insurance for her children.
Comments: Education Gold Insurance is a powerful tool for family financial planning, but should not be the child's first insurance.
Education money is the money that needs to be spent in 10 or 20 years. To buy insurance for children, the first thing that should be avoided is the current risks, namely accidents and diseases.
During the process of growing up, children will gradually experience a more naughty pre-school period. Appropriate selection of accident insurance can make the child's growth process more secure.
In addition, children's body immunity is relatively low, vulnerable to pathogens, health insurance is also a great help for the family.
It is worth noting that due to the high possibility of children being hospitalized, inpatient medical insurance is also more suitable for family purchase. This kind of insurance can generally be purchased separately, and it is mostly a fixed amount of payment, which is more practical.
Phenomenon 4: Too much "a far-sightedness"
Case: Mrs. Wang bought a company's lifelong life insurance for her children. According to the insurance plan, the child 60 can receive a retirement pension of 50,000, and at 100, he can receive a pension of 50,000 yuan.
Comments: For most families, it is a matter of "deliberately far-sighted" to buy life-long life insurance for their children and plan for their future "endowment money." Especially in the case that the adult's own pension is not enough, it is even more unnecessary to consider the child's pension problem.
It is recommended that when you buy insurance for your child, the insurance period should be based on the age at which you graduate from university, and then you should be self-sufficient. In addition, considering the inflation factor, the parents' current investment, how much help for the child's "ageing" after decades, is also a big question. Of course, if you value the "commemorative significance" of life insurance, parents can also consider buying as an auxiliary insurance in the case of ample budget.
Phenomenon 5: I don't know what the “exemption” is
Case: In 2003, Mr. Zhao purchased accident insurance, major illness insurance and education insurance for his children, and paid 5000 to the insurance company every year. In 2008, Mr. Zhao died of illness and his family dropped sharply. Mrs. Zhao had no choice but to stop the insurance that she had purchased for her children for several years.
Comments: If Mr. Zhao originally purchased the insurance with the premium exemption clause, or the additional child insurance premium insurance, this situation will not affect the insurance benefits of Mr. Zhao's children.
The so-called "premium waiver" means that when the insured person is dead or disabled and unable to renew the premium, the insurance company may allow him to exempt the remaining premiums, and the insured continues to enjoy the protections listed in the policy. . The “ premium exemption” is equivalent to adding a layer of insurance to the insurance. This function should be attached whether the adult is insuring himself or insuring the child.
It is worth noting that the current definition of “exemption” by insurance companies is not exactly the same. Some companies require that the insured person may be exempted from death or total disability due to accident or illness; some companies require only the insured to die.In order to be exempted; other companies stipulate that the death or total disability of the disease is not covered by the exemption.