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Data:2009-12-12 2:34
11-year-old was home alone every day seedlings. In the very young, my father bought for him on the children's insurance, including life insurance and health insurance, there are savings-type model is also guaranteed. Later, the mother has in the other two insurance companies to insure the child's human life every day. As the children's insurance agent told them "cheap", so naturally the parents are willing to insure their children.
Unexpectedly, one evening last fall, the small home from school every day, when, in the home near a fork in the road, suddenly a motorcycle hit the back of a bus is less than dodge, rolling past.
The family every day, more than grief, thinking that once the policy for children insured Shou. Unexpectedly, the two insurance companies for compensation 50,000 yuan each, the third insurance company refused to compensate. This allows the family every day is very difficult to understand, life insurance is insurance can be repeated, why only paid 10 million on exclusions it?
Tian Tian's parents is overlooked a very important insurance requirements.
China's insurance law, the amount paid death of a child shall not exceed 5 million, the amount of total payment of up to 10 million, more than some regarded as invalid. Because children are vulnerable and easily hurt, easily by a few people use, access to high compensation. Therefore, the insurance of children around the world provide for the maximum payment of death, to avoid moral hazard.
However, insurance does not allow the death of a child the death of more than 100,000 yuan of compensation insurance, in practice often loopholes. As a result of insurance companies are not among the networking, distributed insured if the insured is likely that this amount over 10 ceiling.
But for the insured, this issue is not can not stop. The insured before the insurance company is usually required to answer "whether the insured other companies", rational parents to insure their children should fill out truthfully.
In general, purchase insurance for their children should pay attention to two issues.
First of all, to see whether the parents have adequate insurance coverage, only the parents have adequate protection, the child will really be protected. Secondly, the decision should be based on economic conditions, to purchase insurance for children, in general, the family all year, expenditures do not exceed the total revenue premiums of 10% of children is not a major part of the premium to buy Do not impulse, duplicate insurance for children life insurance was a waste of money .
