给孩子最好的保障 需要好的少儿险规划

孩子已经2岁了,刘女士想为孩子制定一份保险计划,但不知道2000元的保险费用应该如何规划保险呢?

【专家分析】

为孩子投保,应首先考虑给孩子上少儿医保,在此基础上给孩子全面健康保障,包括意外重疾、重大疾病保障等。在外可以考虑还在的教育金等问题。重要的一点是孩子的保障需要带豁免,大人有什么意外,孩子后续的保障费用免除,相当于是给孩子的双重保障。

当然父母是孩子的保障,在给孩子买保险前应该首先完善大人的健康保障。

【投保建议】

关于宝宝的保障主要是重疾和教育。

一、重疾方面:首先先完善社区儿童医保,其次普通小疾病重疾根据大人的单位福利状况(是否有宝宝的跟随报销情况),来适当补充。

最后,由于宝宝的活泼好动,意外伤害中的磕磕碰碰,烧伤、烫伤、猫抓狗咬的事情也在所难免;由于环境的污染,装修的污染、食品的安全问题导致未成年人的重大疾病的发病几率也越来越高,所以关于宝宝的意外重疾和少儿重大疾病要及时补充。

二、教育储备金方面:孩子未来在社会上是否能够立于不败之地,关键是在于成年前是否接受到良好的综合教育。虽然保险不是储备宝宝教育金的唯一渠道,但是其最大的优势在于强制储蓄,专款专用,其中还带有大人的保费免交功能(即给宝宝办了保险,万一有一天大人有风险,未来未交的费用不用再交,宝宝的保障依然有效,可以保证固定领取教育上学基金的,此点是大人为宝宝考虑保障时的注意点)。

【推荐产品】

世纪天骄少儿万能险

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Assume that the baby is 0 years old, the annual premium is 12,000 yuan, the continuous payment is 15 years (minimum payment is 10 years), and the total premium is 180,000 yuan.

Then, when the baby is 18 to 21 years old, he can get 20,000 yuan a year to go to college (4 years to receive 80,000 yuan); when he is 25 years old, he will receive 80,000 yuan to get married, and when he is 26, he will receive 50,000 yuan to have a child or start a business; At the age of 26, I received a total of 80,000 + 80,000 + 50,000=210,000 yuan; at this time, there are more than 150,000 yuan in the account, and when it reaches 60 years old, it can rise to more than 660,000 yuan for old-age care.

If the above has not been received, (in the mid-range interest) there are the following benefits:

At the age of 20, the account value is more than 300,000; at the age of 30, it is more than 470,000; at the age of 40, it is more than 720,000; at the age of 50, it is more than 1 million; at the age of 55, it is nearly 1.4 million; at the age of 60, there are more than 1.7 million; at the age of 70, at the age of 70 More than 2.7 million.

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