Posted by christmasals christmasals
Filed in Announcements 261 views
Kids' stuff is always
there is a wide range of things
The same is true for children's insurance
Children's insurance from all major insurance companies.
Differentiation in terms of types of insurance, coverage, premiums, etc.
children's insurance products are like a kaleidoscope.
Dazzling to parents
But
everything is the same
As long as parents understand the five types of children's insurance
No matter how many insurance products are piled up in front of you
You can also find the right one for your child
Today, Yue Baojun will talk to you about the 5 types of children's insurance, and parents are taking their seats to see what kind of children to buy.
Social insurance
The main thing we are talking about here is social health insurance. As I said earlier, social health insurance is a benefit provided by the state for every citizen. Children who are born can apply for social health insurance, receive a health insurance card, and be reimbursed if they get sick.
Social health insurance costs parents about $200 per year, which is the basic coverage for their children.
Commercial Insurance
In recent years, parents are paying more and more attention to purchasing commercial insurance for their children. After all, they all have in mind that I want them to protect their children with 8-foot thick walls.
However, when parents look at the wide variety of children's insurance available on the market, they are left scratching their heads. Which one should they buy?
Don't worry, before buying, parents must distinguish between these 5 types of insurance for children and can choose the right one for their children.
1️⃣ Critical illness insurance
Major diseases have become very common in children in recent years. According to the survey of the International Society of Pediatric Oncology, the incidence of childhood tumors has been increasing at an average annual rate of about 2.8% in the past decade, and childhood tumors have become the second leading cause of childhood death after accidental injuries.
In China alone, 30-40,000 children with malignant tumors are added every year, and among children under 5 years old, 1/3 of the medical history is embryonic tumors. Leukemia is the most common cancer in children aged 0-14 years old, accounting for nearly 1/3 of childhood cancer cases.
Therefore, critical illness insurance is also more important in childhood. Fortunately, depending on the amount of coverage, life expectancy and other conditions, the premiums for children's critical illness insurance in the market range from a few hundred to a few thousand, but overall the leverage is still relatively high.
2️⃣ Medical Insurance
Children are growing and developing, their immune systems are less robust, and it is inevitable that they will get sick. Medical care and hospitalization can sometimes cost a fortune just on Social Security and commercial child care efforts.
Children's medical insurance is for illnesses covered by insurance and provides some protection against medical expenses for hospitalization, treatment, surgery, etc.
In addition to reimbursement, some health insurance policies have a hospitalization allowance of $50-$100/day.
3️⃣ Accident insurance
Children are more mobile and relatively safe to leave only under the control of adults. After they can walk, it is inevitable that they will bump into each other. According to statistics, accidental death has become the first cause of death of children aged 0-14 in China.
The cost of a child's treatment due to an accident often puts a lot of financial pressure on parents, and unfortunately, disability and death add to the problem. Therefore, many parents will buy an accident insurance for their children, and there is no burden for the annual premium of tens to hundreds of dollars.
4️⃣ Education Savings Insurance
Nowadays, raising a child, education costs a large sum of money, and more money for future college or study abroad, parents have to make early preparations and save some money for their children.
Education savings insurance is the solution to the problem of tuition fees for the child's future school or study abroad. Raising money for your child's education in the form of insurance and paying on time every year is invariably a form of mandatory savings.
Raising a child is too costly
In case of an accident, some education savings insurance for parents can be exempted from paying future premiums and the child can have some protection for his or her life.
This type of children's insurance, of course, the more the premiums, the more the savings, the more the returns, as a medium and long-term reserve for children, many parents prefer.
5️⃣ Children's investment and financial insurance
Hello! Children's investment insurance is a new type of insurance that combines protection, savings and investment in one. This kind of children's insurance can solve the problem of children's education, business, retirement and other expenses at the same time.
Generally speaking, when the child is a minor, the parents are the insured; when the child becomes an adult, he becomes the insured and can supplement the pension, health care, etc. according to his needs.
This type of insurance, which generally has higher premiums, requires parents to have certain financial strength.
The key points of YUE Insurance
Children are the hope of parents, and insurance for children is the protection of children, but every penny is hard to come by, buy insurance for children, the type of insurance should be clear.
相關文章:
How to buy insurance for teenagers and children works best? There is a way first, then choose the go
