Children should be tailored to buy insurance people EYE Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

This summer, walking in Nanning on the streets or sitting on a park bench, maybe you have a business card Didao hand, certain insurance companies launched a kind of insurance, but even if you are interested in the insurance, it is very may be because your child. I learned from Nanning City, the insurers, most recently, in particular, in June this year, to the insurance companies own money to buy insurance, almost by the name of the parents bought the children.

In Nanning City, an insurance company, I saw prepared to give the children to buy insurance, Ms. Chen, she said that children from birth to adult, the cost of spending a long time, and can not be interrupted. In the child's growing up, any one part of the funding problems will affect the smooth growth of the child, in order to avoid this problem, it was decided that she and her lover to the children to buy an insurance policy. However, Nanning insurance products on the market more than the insurers from time to time to launch new products, what to buy insurance, the most suitable people have been hesitant, has never set foot in the insurance industry, Ms. Chen While in the financial system work, the same for your child to buy Which insurance distress. It is understood that most prepared to give the child the parents to buy insurance, with Ms. Chen has the same confusion.

So, how to choose a long-term, stable, liquidity high, there is insurance in the future to give children? Nanning's combination of a number of insurance industry experts, to prepare for the children of citizens to buy insurance, some reference.

Insurance is not the more the better

At present, Nanning City, the insurers introduced a lot of children's insurance, but am starting classes, is no medical insurance, education, insurance, type of life insurance and dividends. Only to children to buy a kind of insurance, or what kind of insurance to buy it? As insurance products unlike many other commodities, it can not be freely returned, must be carefully studied before buying provisions, from the child's actual situation and the actual situation of the family to make purchasing decisions.

In general, many insurance policies have the additional insurance, that is, to buy insurance on a certain sum of money more, thus increasing one or several insurance programs, such as a family as a child to buy education insurance, but also on this basis, add a sum of money, an increase of accident sickness insurance. The very fact that a pharmaceutical company in Nanning, 30 years old gave birth to a daughter, in order to be guaranteed all-round way to let his daughter, Ms. Zhang bought almost all of the children's insurance, education, medical insurance, pension and even bought a can of insurance, and almost all thought of her daughter's life. Of course, the very fact that a lot of money every year to pay the premium, Ms. Zhang said she is also a stiff upper lip to pay this money. However, it seems every aspect of insurance, really worth it?

Nanning Xinhua Life Insurance Company executives believe that working class families in general do not need to buy too much insurance, a kind of insurance is to buy good measure, not based on price as the standard, but by this insurance in the future be able to use the blade on. Even the old-age insurance, like Ms. Zhang gave her daughter to buy the less cost-effective, first of all, these premiums to the very fact that it is obviously expensive, and very fact that the focus should be on education and health care insurance, the daughter of an adult, there will be sufficient capacity to protect their own future.

Buying insurance should be tailored

Another industry Chongwe that the yuan's purchasing power in different periods will be different, although very fact that his daughter bought the old-age insurance, but it may be old daughter, after getting the money to that time the price calculation, only a drop in the bucket.

Chongwe suggested that in Nanning city like most families are working-class, for kids to buy insurance is not appropriate, and expensive, but should be tailored according to the child most in need to decide to purchase insurance types, in general, education is the most appropriate insurance, commercial insurance, children's education, the biggest advantage is that in the children's education investment is concentrated in high schools and universities to provide adequate education fund. Contributions to year due to pay in the form, you can use in today's money to pay the cost of tomorrow, effectively to avoid concentration of expenditures may bring a shortage of funds. At the same time, because of insurance policies to avoid the risk of accidents uncertain future. At present, Nanning has a children's education, insurance, is Xinhua, the Pacific, Ping An, China Life, Taikang jointly launched the five insurance companies, and have the same terms. This type of insurance bear fruit relatively quickly, in the junior high school kids read, you can get an annual payment of corresponding education.

If the family have enough capacity, then consider the children's medical insurance, and medical insurance in Nanning city, there are many different types of insurance when you buy them can not be the effect, we must look at the terms, select the insurance companies will have to be large, good reputation. In the insurance provisions were found to have a number of difficult to define responsibilities, rather ambiguous terms, we must be cautious not to fall into endless wrangling in the future. In addition, although the insurance salesmen can be designed according to the specific circumstances of some insurance programs, but anyway, the best understanding of the situation of children and their families or themselves, so what to buy insurance also needs its own careful decision.

As for investment purposes rather obvious to the child's insurance and pension insurance, then the economy is relatively easy for those families with more appropriate.

The insurance can not compare prices of selected

In the interview, one is studying the prices of the insurers against writer Mr. Liu was distressed that he forget half a day, or at a loss to know which insurance company is more cost-effective.

And Mr. Liu, like many people in selecting insurance, he often had to consider which one is more cost-effective, in fact, this is somewhat difficult, it is not necessary. Insurance cost calculation is based on a large number of statistical data, in accordance with the "three poor gain or loss" principle, through a complex calculation worked out, because of the different types of insurance protection for the project, scope and extent of the different standards of their premiums accordingly been different. So, from the price comparison, does not matter strengths and weaknesses.

Therefore, the parents give their children choose insurance, the key is to see the insurance liability provisions, compare the different insurance coverage from their child's specific needs, to purchase insurance fit. At the same time, compare the credibility of the insurance companies is also very important.