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Data:2009-12-12 2:34
Morning News (Reporter Lingyun flame intern ZHU Li) who paid the high rate of children's risk is the insurance companies, one of the least profitable of the insurance. However, all life insurance companies are still attaches great importance to children's insurance, but also to promote, because "first of all to buy insurance for their children" is still a lot of people's habits.
Most young couples only one child, so very concerned about your child's health, even minor illnesses, will try to the best hospitals, with the best drugs. And the current social security system, not the children did not participate in the work covered by the scheme. International Quality Financial Planners WANG Zi-sheng says, children suffering from serious illness, the family suffered a fire than the blow to the parents is also large, this is the children's insurance by the public causes.
CITIC Prudential Life Insurance Wuhan Branch Operations Mr. Liu introduced the parents willing to spend money on treating sick children, so that payment rates rising, so that the children's insurance companies and more cautious, they can only choose prices or additional restrictions, the market on the children's more frequent changes in risk.
But over the past two years, the children's insurance, if not profitable, companies are willing to promote. While insurance companies to ensure that insurance is complete, on the other hand, the insurance sales staff in children's risk, the tie-investment-oriented profit-sharing insurance, universal life insurance such as life insurance. Some insurance companies even the sale of an independent children's health insurance, must be sold together with the other types of insurance attached. Take children's insurance policy as "stepping-stone", tend to bring more insurance policies.
Insurance salesman Mr. Hu suggested to purchase insurance for their children should focus on health protection, you can buy accidental injury, medical care, disease re-combination-type insurance. Prone to the risk of the first insured, as for retirement, investment-oriented life-long life insurance should first be considered for adults, education, economic conditions in gold-related visual decide to purchase insurance.
