Category: Insurance tips Release Date: 2006-08-01
In order to meet market demand, individual life insurance companies have opened the numerous varieties of children's insurance. Have often been used to produce two different comparative study of insurance, hoping to arrive at "What better" and "Which is more preferential" judgments. In fact, this is a very difficulties-dimensional, and it is not necessary. Because life insurance premiums related to higher mathematics, probability theory and mathematical statistics, professional knowledge, is a very complicated; the same time, insurance terms and rates shall be audited by the People's Bank, is more fair and reasonable, and therefore only the from the "price" is difficult to see the pros and cons of a variety of life insurance. An insurance with another insurance is distinctive, and there is direct price of its existence, the key lies in security items, scope, and to different degrees. Accordingly, its premium standards vary, and thus able to adapt to the market in some specific needs. Therefore, choose to buy children's insurance, although the price is a factor should be considered, but we should start their own specific needs, rather than simply from the "insurance" or "price" starting to achieve for their own "tailor-made" purpose.
In determining what to buy insurance before, we should first identify what a child may face risks, and could lead to any adverse consequences, which measures currently in place, how much he can take the risk and so on. And then targeted to select the appropriate insurance to the insured. We may try to analyze the following aspects of risk types and children's insurance needs.
1, the risk of accident injuries. In a period of growth and development of children and adolescents are generally restless by nature and a lack of self-protection ability and awareness, so the possibility of accidental injury suffered larger than adults, if only because of accidental bodily injury caused by a small, a simple bandage look, eat drugs can be resolved, it should not be too worried that such risks can bear; However, if the consequences of accidental injury is very serious and require hospitalization, are extremely costly, or even permanent disability, to such a risk, if the advance is not to take steps to protect themselves, relying on their own savings or relatives for assistance, it could cause your family financial hardship, too, we need to consider buying accident insurance.
2, the risk of illness. Inevitable process of growing up a child infected with this or that disease, common cold, fever, such as minor ailments, you can eat a medicine under the guidance of a doctor up to play a few needles, will be able to solve the problem, spending little is also not worry too much; But what if child's problem was serious illness, and its huge medical expenses may be your own only to assume, the best to buy your child a major illness or hospitalization insurance, health insurance.
3, the risk of lack of education costs. It was made on the current statistics on all sectors of society and found that the level of level of education has been increasingly determine the level of income. In Shenzhen, college or higher education level of income, education level is below 3.42 times as high. With the development of society, the status of knowledge will become increasingly important, there is no good education, your child is very difficult to adapt to society in the future and competing with the increasingly fierce. As the saying goes, "to teach him to fish, rather teach him to fish", in order to ensure that your children can receive good education, they should be ready as soon as possible: to the children to buy their children's education insurance.
