Guide: The first policy for children, taboos to buy critical illness insurance, buy adult insurance instead... senior insurance experts to detail the misunderstanding of children's insurance, and provide some insurance recommendations.
The first misunderstanding: influenced by the idea of “water going down”, some parents put their children in the first place, and the first policy in the family is often bought for children. The principle of insurance is to insure the family's pillars and then consider insuring the child. Insurance experts recommend that you pay attention to the insurance premium if you buy insurance for your child. Since premiums are exempt from insurance companies, some exemptions are limited to the death or total disability of the insured, while others cover the insured's serious illness and should be noted.
The second misunderstanding: For Geely, parents often first buy financial insurance similar to education money for their children, and avoid buying critical illness insurance. This is also a misunderstanding. The cost of compulsory education for children is not large. First of all, it is necessary to buy some type of insurance for children. It is small enough to bump into bumps, have a fever, and all major illnesses should be covered, so as to establish comprehensive and adequate protection for children.
The third misunderstanding: adult insurance is not a substitute for children's insurance. At present, some adult critical illness insurance can be insured from 0, and the premium is low, but adult insurance can not replace the child insurance. Insurance experts suggest that adult disease spectrum and children's disease spectrum are not the same, such as myocarditis, asthma is a disease with a high incidence of growth in children, but adult insurance does not include the protection of these diseases, should be targeted to purchase children's insurance.
Finally, don’t expect to buy insurance for your child once and for all. Insurance experts remind that when a child is born, parents tend to be younger and have limited financial ability. There is no need to be in place at one time.