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Data:2009-12-12 2:34
When buying children's insurance needs to be carefully for family financial planning in various expenditures, education and medical costs are relatively large expenditures.
Most of these funds need to parent the child before and after birth have planned financing and preparation.
Children risk becoming parents to their children an education fund set up ideal of financial instruments, because of its savings, security, dividends and investment, and many other features, children risk becoming parents to their children an education fund set up ideal of financial instruments. And many smart parents are beginning to consider: How to insure only the most "cost effective"?
Financial experts advise parents to buy children's insurance, the need to do a good job the family financial planning. Also, because children in the insurance market, great variety, choose a strong growth of insurance companies to implement the child's protection scheme, it is particularly important.
Parents first thing to do is clear and cultivate the child's goals, and accordingly estimate the potential costs, listing a detailed financial plan. Among the expenditures, education and health care costs are relatively large expenditures. Most of these funds need to parent the child before and after birth have planned financing and preparation.
"Silver Cross financial" experts Fang Wei noted that the current child-rearing mainly face two kinds of pressure: education costs and medical expenses.
On the one hand, with the health care system reform, abolition of many units of medical expenses reimbursement system for child workers, children suffering from serious diseases to their parents, often cause greater economic pressure. On the other hand, domestic investment in their children's education is also growing. This is part of the expenditure under normal circumstances would not impact on the family, but once hit parents are unemployed, major diseases and other special circumstances, children's education spending will be affected. Through insurance means to resolve the "special period" of the family's financial crisis more important.
In general, children are divided into protection-type insurance and education, divided into two types: the protection of children's type is mainly to solve the medical problems, but also to provide accident protection. Education model is mainly to prepare for their children education fund will not only provide insurance coverage or a business, marriage fund, and can achieve a reasonable tax avoidance.
Parents insure their children there are several key needs: tackle their children's medical expenses, especially more serious medical expenses; raising educational funds; ensure that children in their parents be able to live a normal life after the accident. From a financial planning point of view, the establishment of the special expenses for the child must have a certain degree of security, as well as you can resist the growth of inflation. Xie Ping An Life Financial group of experts suggested the option of savings, funds, insurance, three kinds of channels for special expenditures on a child's portfolio. While for the children to be insured to protect the model-based insurance premiums for the insured person can be considered 10-20% of annual income. If the economic ability is not very well-off children's insurance amounts, can be set at 50000-100000 yuan in order to dispel the concerns of major diseases.
Most insurance for their children for their children out of pre-storage of a consideration of funding for education, while re-attach some components of medical and accident protection. As with savings features, children's risk insurance payment paid each year can be taken way to reduce the pressure on the family's future. Financial Planners weeks Jialiang that insurance companies are accepted by most children in just one month after the insured. As the children's insurance is the protection of savings, plus insurance, but also with savings-based, so the sooner you buy, the cheaper the premium, at maturity receive the greater savings.
In addition to providing basic education for parents of a child charges in the child's future business, marriage is not required to spend a small amount of expenditure. Many children now have business insurance, marriage and other insurance proceeds. Choose the important principles of insurance for children is to protect the first, revenue second. Experts suggest that for the new born baby or preschool selection of insurance, in addition to should pay attention to security should be as comprehensive as possible, the order of the insured should be "the first adult, after the children." 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. In addition, the payment need not be too long during the period. 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.
