education insurance has traditional pure savings products, dividend-paying products, and omnipotent and investment-linked forms. Compared with the traditional savings model, it has the following advantages:
special funds. is equivalent to depositing a time deposit in the insurance company, and the cost of surrendering in the middle is higher. Parents will not arbitrarily withdraw the expenses for other purposes, ensuring the education expenses that the child can withdraw in the future.
Most children's education gold products have a premium waiver, or you can attach a premium premium exemption.
As the pillar of the family economy and the parents of the insured party and the paying party, if the accident or the death of the disease occurs unfortunately, the inability to continue to bear the insurance premium for the child insurance can be exempted from the obligation to pay, and the insurance contract will continue to be valid. The right to education and the opportunity to receive education continue to be guaranteed.
At present, there are three main ways of cash refund for education insurance provided by various insurance companies: one is to return a certain amount of survival money every year since the effective date of the policy; the other is to return a certain amount of survival money every year from the appointed time, mainly For the high school, college education costs; third, a one-time return at the agreed time, not only can provide a certain stage of higher education costs, but also provide entrepreneurship, marriage, pension, survival gold.
If parents only consider the cost of education for their children in high school, university and study abroad, you can choose to pay a certain amount of education per year at the agreed time, and the period of protection should not be too long. Generally, the child is 25 to 30. can.
If you have a plan to study abroad, it is best to cover products that cover the cost of studying abroad. Conversely, if you do not have a plan to study abroad, you may not consider the type of insurance that covers the return of the scholarship, because the increase in the number of guarantees means an increase in premiums.
If it is an ordinary family, there is no need to buy a child's education insurance for life-long children; if the child can make money for the family, such as advertising small stars, you can buy some products in the form of life insurance.
Insurance experts also reminded that even if they are "exemption premiums", there are many studies inside. Be sure to look at the specific meaning of the premium exemption. In the event of an agreed accident, whether to exempt the main insurance premium, the additional insurance, or the exemption from all premiums; the conditions of the accident exemption are accidental death or high disability, but only Accidental death; the condition of major illness exemption is whether the parent who has confirmed the insured can lose the labor ability to start the premium exemption, or whether the long-term physical condition will improve and need to re-pay;Children's insurance is not much better. Avoid repeat purchases. Some parents feel that the more they buy insurance for their children, the better they want to buy all the children's insurance, and hope to give children a full range of protection. However, experts have warned that in health care insurance, it is not much to buy more. General insurance companies stipulate that the amount of health insurance can not be accumulated, if the child has an accident, the list of fees provided by the hospital can only belong to an insurance company. Insurance experts said that insuring health care insurance is based on the principle of adequate and appropriate insurance coverage. Parents should avoid buying multiple copies of the same type of children's health insurance when purchasing child insurance.