Category: Insurance tips Release Date: 2006-08-01
Case Information:
Mr. Zhang, Zhang Xiaohu is about to enter his wife's son, birthday, the couple started for his son's healthy growth and future of education to do next.
Mr. Zhang is a typical well-off family home, the Family Income 15 million per, decided to purchase an insurance policy for the Tigers as a birthday present. The insurance must first child's illness or accident to have a guarantee on health care, followed by children in the future is to reserve part of the education fund, the premium is estimated to about 5,000 yuan per year.
Xinhua Life Insurance: insurance coverage prior to look at adults
Mr. Zhang and Zhang kids birthday when his wife chose to consider insurance scheme, it is very wise and necessary. But now, many parents insure their children tend to have a misunderstanding, that is just indulge their children to buy, ignored their own protection.
In fact, the real umbrella children by adults, so recommend the insurance scheme, we propose to Mr. Zhang, his wife check first whether they have adequate safeguards. If adults are not protected in the future event risk, the children will also be a result of inability to bear the cost of insurance caused by insurance lapse. Then carefully planned the child's insurance.
First, we consider the child's health care fund. Their children because of physical problems, the disease occurs more often than adults, but is "growing" experience Children's Medical Fund Scheme is taken into account that, for "a diabetic" and other children's diseases, high to provide 10 million guarantee. Hospital, it also provides a daily subsidy of hospital beds, as well as reimbursement of medical expenses.
Secondly, the child access to education payments will also allow adults be protected. In case the risk of adults, but also can be used insurance money to maintain their children's education payment insurance remain in force. In the "Family Care" Endowment insurance, the adults if a child 22 years of age before the death or total disability, receive 60,000 yuan of compensation.
Finally, taking into account the integrity of the educational scheme, designed for the Tigers every three years can receive a "golden life-long education" and "happy-well-being," Endowment insurance as a supplement. To 66 years of age, may receive a pension, and can be life-long enjoyment of "the sum insured dividends."
Rich Insurance Agency: Health and education for his son
missing <br> Mr. Zhang, his wife is very clear the purpose of insurance is to his son's health protection and education.
At present the incidence of major diseases of children ever-increasing cost of treatment is also very high, so priority is given to children's health insurance.
Mr. Zhang, his wife first proposed for the children to participate in the nature of social security, insurance, and that the Shanghai children's hospital fund. This is a non-profit, Huzhugongji of social welfare services. Specific safeguards are: enrollment of children admitted to hospital may be exempted from 50% of the hospital advances; discharge may be exempt from the children's hospital fund 50% of medical costs. Leukemia and other serious diseases specialist out-patient treatment costs, children's hospital fund can also pay 50%. The maximum cumulative amount of each payment of 100,000 yuan. Let Tigers to participate in children's hospital fund, at present only 60 yuan per year.
In the run children's hospital fund, Mr. Chang can be further addressed through commercial health insurance protection for medical costs. To give priority to major diseases can be dangerous, so that the greatest risk first be safeguarded.
Next, the cost could be preparing a hospital-based health insurance can be reimbursed children's hospital fund to be conceited parents, the other 50% of hospital medical costs; another, and then add an unexpected medical insurance.
With health insurance before considering the insurance payments for the child prepare for education. According to statistics, a city family for the child's education expenses accrued up to 30 ~ 500 thousand yuan. The huge expenditure on education is not possible once ready. Therefore, should rely on the continued accumulation of reserves to achieve the purpose of education grant.
Insurance payments in the choice of education should be focused on the cumulative value of the insurance and investment value two aspects. Also, put the insurance money should make arrangements in advance, so as not diverted to other purposes.
Comment: Do not take out insurance for their children into the erroneous Mr. Zhang, the couple focus on child insurance, health and education, it is more correct choice. But not all parents can be this way, the common errors are: only protect the child does not protect adults, only re-education is not heavy security, the accumulated amount of excess insurance, do not buy additional insurance premium exemption, and so on.
Designed in two insurance plan, there are some good ideas were worthy of imitation: Xinhua Life Insurance, to remind the customer, first bought the insurance adults, and adults of the accident will be added to the education grant protection insurance, the realization of the exemption of insurance premiums function; rich insurance agency also cautions that should join the Shanghai Children's Hospital Foundation, has health insurance before considering education grant.
At present, many parents who have purchased whole life, I believe that there is no need, because life is to life after the death of a child in order to obtain payment of insurance. When the child is still young that the insured, the consider too long.
