In recent years, buying insurance to give children a holiday gift has become a trend. Experts point out that child insurance is actually more complicated than insurance, and the order of purchase is emphasized when buying.
First of all, you must ensure that your child has a flat insurance. Students who study the risk are students in school, usually group purchases, not retail. It is cheap and has a lot of protection. It only needs dozens of premiums every year. It covers accidental injury insurance, accident clinics, hospitalization, etc. It is the first choice for children to take out insurance.
The time to purchase a flat insurance is usually the beginning of September each year, the insurance company will contact the school to buy. After strengthening supervision of the school's insurance, the school may not force parents to buy, but as the most basic guarantee, choose insurance for the child, parents must first consider learning the insurance.
After buying a flat insurance, consider major illness and accident insurance. Every time you mention buying insurance, experts always emphasize the protection of the first, investment savings second. Under this premise, the most important insurance for children is accidental injury and medical insurance, especially major diseases. According to the current medical system, children and adolescents are basically without medical security.
The use of insurance to share the child's medical expenses has become an important reason for children's insurance. At present, the prices of children's injury insurance and accident insurance are not expensive, mostly in the hundreds or so, whether it is purchased separately or attached to other insurance types, it is necessary. With sickness and accidental injury protection, parents can consider their child's future education problems. At this time, you can purchase education-paying child insurance.
Raising education costs for children in the form of insurance purchases is equivalent to a mandatory savings. In the event of a parent's accident, if you purchase a "exempt premium" insurance product, the child will not only be exempt from late premiums, but will also receive a living allowance. Of course, parents should purchase education insurance if economic conditions permit. Even if it is mandatory savings, it should first guarantee the current quality of life.
Finally, if your parents have better economic conditions, consider buying life insurance for their children. The sooner life insurance products are bought, the more cost-effective they are. When it comes to age, in general, the sooner insurance is bought, the lower the premium, and the sooner the child gets the protection. Depending on the age, children should also increase the proportion of different insurance.
For example, in early childhood, due to the high probability of neonatal death, preschool children have poor resistance and are prone to some epidemic diseases. Therefore, it is recommended to buy more hospitalized medical compensation types. A capable parent can consider planning for a child's education. In the elementary school period, due to the large number of accidents, the investment in accident insurance should be appropriately increased, and the savings of future education funds should be considered when conditions permit.
If the child has already arrived at 14, 15 and has not yet purchased an insurance product for education, then it is not necessary to be limited to child insurance, as some types of insurance can be purchased for 16 or more. In this type of insurance, it is advisable to choose a short interval. Dividend products can also replace education grants to a certain extent. Of course, you can also consider the universal life insurance with very flexible payment and withdrawal. This kind of insurance is not only guaranteed, but also highly investmentable. Both adults and children can benefit. At the same time, accident insurance and medical insurance are also indispensable.