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Data:2009-12-12 2:34
"8864 yuan, this year's New Year's money addition of the more than 1200 yuan." Not to the fifteenth day, attending Dongchuan Road Primary School in Guangzhou, a second-year rush to her mother silently count "lai see" money.
Looking at the lovely daughter, her mother suddenly remembered a quiet New Year's colleagues said: The New Year's money to buy insurance
Insurance, not only to prevent spendthrift children, but also foster children's awareness of savings and insurance. However, in the end to buy what type of children's risk?
Determined according to their actual needs
It is understood that insurance is aimed at children under the age of 18 populations as a personal protection against risk. British Life, Guangdong Branch Yangzi Jing believes that parents take out insurance, should know their families and their children the real insurance needs, and then choose their children's insurance products. For instance, some families pay attention to the care of the child's body, it is recommended to buy insurance products protect the children's classes; Some family emphasis on children's education, it is recommended to purchase savings-type products.
"The best children's risk with that, the provision of Education Fund for the purpose of dividend insurance as the primary insurance, additional medical and sickness insurance and accident insurance. However, in the context of limited financial resources for the best children's insurance to protect the main type. "
Of different age groups choose different types of children's insurance
China Life Insurance Guangdong Branch dock Junhua said that according to age 0 to-6 years old, most likely due to illness, accident, should prepare a health insurance for their children. 7-12 years of age, education fund, medical care not one less, you can choose a cash-back feature of insurance. After the age of 12 should be on fostering children's financial habits can choose cash back class to solve education fund, retirement savings can also choose to type of insurance upfront investment in their children's future.
He said that as 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.
Premium expenditures do not exceed 15% of total revenue
Ping An Life Insurance Guangdong Branch Chan Changshun, said many of the risks to children to protect the right to be comprehensive, but parents should be according to their own estimates of the actual income levels to pay annual premiums. Under normal circumstances, the annual premium shall not exceed the annual income to pay 15% -20%.
"After the birth of a child to be insured as soon as possible, because the sooner the more expensive insurance. Insured will not, termination, or else there will be losses. In addition, parents are the main pillars of the family, but also children's insurance policyholders, the amount higher than the children's . "