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Data:2009-12-12 2:34
"61" Children's Day approaching, many parents will consider the children's insurance coverage for their children. Based on past experience, some parents taking out insurance, there are obvious errors. How to avoid errors and improve the effectiveness of insurance do?
Chinese families often "little sun" as the central priority for the children insured, but ignore the adults themselves, this is the most serious errors. Adult breadwinner of the family, if only to children to buy insurance, and adults do not buy it, in case an accident adults, families may be in trouble, child's future education is not guaranteed. Therefore, insurance for the children before the adults should be the first for their own insurance.
Education grant to purchase insurance, not necessarily the child's name. The final payment because the child's education from the income of the parents, as long as parents provide a healthy work, there will be security. Child's education reserve fund should be through a variety of financial channels, not necessarily through insurance.
Many parents spend a lot of money for their children education grant to purchase insurance, but neglected to buy accident insurance and medical insurance, which is putting the cart before the insurance function. As the kids were still small, the higher the probability of accidental injuries suffered, so for the child accident insurance, medical insurance, children's critical-illness insurance, should be given priority.
Some parents will buy for their children, or Endowment insurance, whole life there is not much need. For the children to buy insurance, the insurance limit to the age of university degrees is appropriate.
In addition, commercial insurance coverage for the children before he must figure out what protection already have. In Shanghai ,0-18 years of age children can participate in children's hospital fund. 0-5 years of age pay 60 yuan a year ,6-18 years of age pay 50 yuan a year later, you can get the maximum amount per academic year to 10 million medical protection. With good benefits a small number of units, can be reimbursed for their employees as part of medical expenses. Their children to school, schools may also apply for a unified group accident insurance. Parents insurance commercial insurance for their children, only need to add the event of inadequate on it. Finally the parents also need to be reminded that if the insured for the children to death for the compensation of insurance (such as term insurance, accident insurance), total insured amount not exceeding 10 million, the excess part of the paid insurance premium even if the invalid; In addition, the Parents should pay attention to purchase additional insurance premium waiver in case the parents for some reason can not continue to pay premiums to the protection of children still remain in force.
