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Data:2009-12-12 2:34
There are educational children's risk-and protection-type
Many parents give their children an insurance policy is often put emphasis on education, insurance benefits can pay the insurance. In fact, because the child's ability to resist risks low, the children in the selection of insurance coverage should be as comprehensive as possible. In the same expenditure budget, the parents should not only consider the high level of education, insurance payments, but also to the child with a certain degree of protection against the risk of illness or accident.
It is understood that the present choice of children's insurance market, mainly education-and security-type two categories. Education-based insurance, primarily for their child prepare for education grant. Such insurance, compared with bank savings, the main advantage is the ability to a reasonable tax avoidance. Security-type children's accident risk was mainly to provide security and to resolve the child's medical problems. The advantage of such insurance to pay modest premiums, but it can get a higher amount of protection.
A product table of insurance products for education, B for the Endowment portfolio insurance, the additional protection of a certain degree of inpatient care. To the insured person a year old boys, for example, in the A portfolio of products and B total premium paid less the same circumstances, although a premium product generous pay is not A, but B can provide a relatively comprehensive product portfolio protection.
A product which is more suitable in the economy relied heavily on the insured's family, if the insured a high degree of death or physical disability, the insured person can get 1,500 yuan each year the growth of annuity. If the insured to pay premiums in the wake of the tragic period may also be exempted from the subsequent phases of the premium.
Experts suggest that the new born baby or preschool selection of insurance, in addition should pay attention to security should be as comprehensive as possible, we must also observe the following three principles:
An insured order: first, adults and children after. In a family, parents are the family breadwinner, and only to protect the health of parents and a stable income, the child protection was not words. Premiums paid annually for a child not more than parents, the premium, if not both, should be mainly adults.
2, Payment period: not too long. Parents give their children to purchase insurance products, payment period can be focused on a minor child, before, after he grew up, can choose their own appropriate insurance for their own insurance.
3, to protect the period: may be relatively long. Children's risk insurance limits are not necessarily high, but it should be faithfully accompanied their children through each of a growing critical stage.
