保险的收益虽不是最好的 但却能为孩子带来保障

Ms. Yang’s son is now 6 months old. She wants to buy insurance for her annual payment of 2000-4000 yuan. She hopes to get serious illness, accident, medical care, etc. It is best to attach an education insurance, mainly to protect By the age of 25 or 30, the payment period is expected to be around ten years.

[Expert analysis]

Insured for children, mainly for critical illness protection and education, can be used for long-term investment and financial planning if economic conditions permit. The 0-year-old baby is very suitable for any planning, young age and low rate.

It is recommended to choose Corning's regular 100,000 insured amount (annual premium 1290 yuan) + Xue Ping Insurance (80 yuan per year) + Fulu baby who does not accumulate risk insurance amount as a way of saving education.

From April 1 this year, the maximum death insurance for minors cannot exceed 100,000. After the insurance for the 100,000-guaranteed Corning regular severe illness insurance, parents can prepare education for their children according to their own needs.

Through insurance to solve the education fund, the effect of compulsory savings and special funds can be realized. If it is an exemption clause, it is the best choice. After the insured loses the ability to work, the remaining premiums do not have to be paid, but The child’s insurance continues to be valid and the money is received as usual.

The order of insurance should be accident insurance, medical care, serious illness, and investment and wealth management. Premium control is best at 15%-20% of annual income, and the amount of protection is 5-10 times your annual income. It is also important to choose a responsible agent and a strong insurance company.

[Insurance Tips]

The birth of each child adds a touch of color to this colorful world, and is undoubtedly the brightest in his parents' eyes! With the baby, many people will think of buying insurance for their baby, but in the face of a dazzling array of insurance products, they feel that they can't start.

xx 0-3岁的儿童很可能生病。面对不断增加的重疾费用,父母和母亲必须首先考虑的是重疾费用。当然,除住宅重疾保险外,商业重疾保险也是一个很好的补充。

商业重疾保险分为费用报销类型和费用补偿类型。费用报销类型是指按一定比例报销住院费用。费用补偿类型是指将住院天数乘以固定数量。

因此,如果居民重疾保险+费用报销+费用补偿,那么一般住院费用几乎可以没钱。

然而,随着环境污染的增加,特别是装饰污染,未成年人患重病的概率大大增加。据统计,儿童白血病的概率是万分之五,所以儿童的重大疾病保险在重疾组合中也是不可或缺的。一部分。有了它,您可以避免可能发生的大量重疾费用的风险!

孩子会走路。他对这个世界充满了好奇心。他想触摸和触摸,但没有保护经验和保护。此时,您需要为您的孩子购买意外保险和意外重疾。如果产生费用,则由保险公司支付,这也减轻了父母的负担。

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