Guide: Which kind of child insurance is better to buy? In this regard, the insurance home _ Wobao experts said that children's insurance is rich in variety, must be tailored to the characteristics of the child's activities. While choosing "right" for children's insurance, we should avoid the misunderstanding of consumption.
Misunderstanding 1: The child is the treasure of the family should be the first to buy insurance
Now many families are very embarrassed to their children, especially the only child, parents are more planning and preparation for the future of the child. In terms of insurance planning, it is no exception. But many parents ignore their own protection when they buy insurance for their children, making the family's main economic pillar a "financial nude."
For children, parents are the big umbrellas for sheltering them from the wind and rain. Only by protecting this umbrella first, can the children be sheltered at the risk, so as to protect the children's life and study from being affected. Therefore, the principle of “first adult, then child” should be followed when insuring, and the protection plan for adults should be completed first, and then the child’s protection should be considered.
Weapons: Insurance is a special kind of commodity. If you buy it yourself, you will not benefit yourself. For example, to buy accident insurance, life insurance and other insurance types, the protection is that after the accident, the family will not be in trouble, and the insurance will continue to protect the family. Children need to rely on their parents when they graduate from birth to college. Therefore, insurance experts suggest that if you want to give your child a wonderful future, you should first buy the personal protection products such as accident insurance and life insurance for the family pillar, so that you can act as a child's umbrella at any time, without accidentally changing the child. s future.
Misunderstanding 2: Big bag for the purchase of life insurance for children
Parents are expected to be a child of Jackie Chan, looking at the woman into a phoenix, can not wait to arrange a good size for the child. After buying a house and buying a car, even buying insurance is also going to be all-inclusive. However, due to misunderstandings or a smattering of insurance products, many parents have purchased too much life insurance for their children. From an economic point of view, children are the future liabilities of parents, and the biggest pain and blow to parents from losing children comes from Spirit level. In addition, life insurance, such as life insurance and pension, usually have to function when they are old or dead, and the funds have a great risk of depreciation. Therefore, it is not meaningful to buy life insurance for children.
Tips: Insurance experts suggest that the child's body is delicate and mischievous, cold, fever, bruises and injuries are commonplace, so the children's medical insurance that can reimburse medical expenses, comprehensive accident insurance covering medical responsibility can not be less. In addition, with the smog and tainted milk powder, there are too many factors that threaten the health of the baby. Children with leukemia increase at least 30,000-70,000 per year. The huge medical expenses after suffering from severe illness not only bring huge economic pressure to the family, but also affect timely treatment. Therefore, it is very necessary to purchase children's critical illness insurance. After the illness, you can get a timely insurance premium to help with treatment.
Misunderstanding 3: Only buy education money for children to ignore the protection products
In life, many people think that buying insurance is a bit "hearty", many parents are even more reluctant to mention children accidental injuries, major diseases and other topics. However, the current social rhythm is accelerating, accidents are frequent, food safety, environmental pollution and other problems are becoming more and more serious, leading to the gradual low age of major diseases, and the accidents and health risks in these lives happen to us, considering accidents for children. And the protection of severe illness has become a problem that parents must face.
Weapons: Financial planners suggest that when insuring for children, we should follow the principle of “guarantee first and then manage money”. Under the premise of economic conditions and sufficient personal protection, it is a wise choice to plan education for children. .
In addition, when choosing education funds, insurance experts recommend that education expenses be the biggest expense in the growth of the baby. It is recommended to reserve early and accumulate wealth in time. Education gold insurance has strong savings and relatively high premiums. Therefore, it is recommended to choose the education insurance with the premium exemption function. Once the parents lose their ability to pay, the baby's premium can be exempted and the education fund can be used to continue the education.
Financial planners suggest that parents can cultivate their children’s financial business concepts on the basis of their children’s health protection and education plan, so that they can make their own future plans and establish a correct financial concept in adulthood. Plan for longer-term insurance coverage for yourself.