Q: I plan to buy an education insurance for my baby. When is the best time to buy? In addition to education insurance, what types of baby insurance are involved? A: According to the reporter's interview, between 7 and 12, it is most suitable to buy education insurance for the baby, because at this stage the baby is attending elementary school, and the sooner the baby is bought education insurance, the less the premium is paid. Of course, in addition to education insurance, parents can also pay attention to child health insurance, child accident insurance, child health insurance, children's comprehensive insurance. It is understood that, in general, a baby can be insured for health insurance such as child medical insurance after 28 days or 30 days of birth. In addition to purchasing medical insurance for your baby, some parents may also purchase accident insurance for their baby. At present, the accident insurance on the field is consumer. It protects the child's death and disability caused by various accidents. It is divided into one-year period and short-term three days and five days. In the order of purchase of child insurance, parents should first purchase accident insurance and health insurance for their children, followed by selective purchase of education savings insurance or investment-based insurance based on economic conditions. Need to be reminded that to buy insurance for your baby, you must first ensure the health and safety of your parents, especially the family finance. Because if the family pillars lose their economic ability, the family economic difficulties directly caused will directly affect the children's life and study. In addition, when purchasing child insurance, it is best to select products with exemption clauses, and the qualifying conditions for insurance premium exemption should best cover the various risk situations that may occur to the insured, such as death (accidental death or illness), accident Disability, serious illness, etc., maximize the premium exemption. It is reported that the exemption clause in child insurance stipulates that during the contract period, if the insured has an accident or loses the ability to pay for the reason, the unpaid premium can be waived and the insurance coverage of the insured is still valid. At present, the premium exemption appears as a separate additional insurance, the second is as an additional risk tied to a specific main insurance, and the third is directly in the insurance contract as a clause. It is understood that there are a lot of risks in the field with premium exemption clauses, no need to purchase additional, but if there is no premium exemption clause, parents need to buy as an additional insurance, the premium of the exemption insurance will generally be maintained at the main insurance premium 1 %about.
Buy insurance for your baby and consider comprehensive insur
Q: I plan to buy an education insurance for my baby. When is the best time to buy? In addition to education insurance, what types of baby insurance are involved? A: According to the reporter's interview, between 7 and 12, it is most suitable