Liuyi words which children's insurance risks have to be guarded against

Thursday, June 2, 2011, view a few years of highest proportion of children claim? Usually claims of what was the reason? What about the claim amount at a time? What insurance to buy children? How to allocate the amount? As a parent you believe these problems, as well as questions linger in your heart. ⊙ Reporter Huang leilei annual "Liuyi" children's day has come, risk of child protection concerns. What insurance to buy children, what are the risks in need of protection, parents are most concerned about the problem. Recommended reading insurance weekly: April premium as scheduled diving silver insurance effect or Super expected insurance funded participation protection room looked was batch insurance funded contrarian buy wrong killed "white horse unit" new shares frequently break insurance funded playing new encounter floating losses car sales decline drag casualty profit tailored buy insurance figure out terms then Xia Dan Qiming: shocks city in the how mining Daniel unit a foreign insurance company recent announced has a group for children of claims data, from claims results told you: which children's risk had to anti-. From a special point of view to help parents better understand where the risk of the child was growing up, targeted buying insurance for children. 0-6: disease claims highest from Tak on the life of a new claims data shows that in claims in the case of children aged 0-18, accident medical expense compensation and sickness medical expense compensation claims cases total more than 70% of the type. 0-6 proportion of children diseases claim the highest total more than 80%, and nearly half of them claims due to bronchitis and pneumonia, average claim amount at around $ 900. While the children were small, "serious illness do not make, minor constant" is the common experience of many parents, children's insurance claim results from 0-6 can also clearly see this phenomenon. Insurance experts recommended that young parents, consider taking out insurance for infants and young children, to consider the health risks, focusing on medical security features. In General, newborn babies born after 7 days you can be insured. Accident medical insurance on the market today and the cost of medical insurance is often in the form of additional insurance sales, when young parents to insure baby, you can select a inexpensive accident insurance as the primary insurance and hospital costs in additional accident medical insurance and medical insurance, this combination of insurance not only protect more comprehensive and more economical. Danger to a child of a foreign insurance company, for example, if a baby of 5 years to purchase children's accident insurance coverage of $ 50,000, the sum insured $ 3,000 additional accident medical insurance and hospital costs in amount of 3,000 additional medical insurance, $ 422.8 only premium per annum. Baby with $ 50,000 personal accident protection while injured by unexpected medical costs can have periods of not more than $ 3,000, Trojan and not more than $ 9,000 for the whole year of insurance and hospitalization expenses can also be no higher than $ 3,000, at a time periods not exceeding $ 15,000 worth of insurance for the whole year. 7-18: injury claims more and 0-6 children between the ages of different, 7-18, a lower proportion of children occurs in the stage of disease claims, but the claims accident injury due to accidents increased significantly. For example, "bitten or scratched by a dog", "hot water burns", "falling from height, jumping or being pushed from the damage caused" and body parts such as small arms, legs and shoulder fractures, and so on, total share exceeding 60%. Because injuries come in all different, treatment, and the differences in purchasing insurance, claim money will float larger. But General traumatic claim amounts between the hundred dollars to $ 1000, fracture treatment costs are higher. As the child grows, increasingly strong body, of health risks with significantly reduced. Insurance experts suggest that at this stage, parents can focus on consider children's risk for kids start reserve Education Fund. In fact, children's education expenditure has always been a family occupy an important proportion of total expenditure, many parents in the child very hour has already begun to do children's College education or go abroad for further study of the long term. Education gold reserves is also an important feature of children's risk, simple savings plan compared to banks, education payments danger for children in class is the main advantage of reserve while a full education fund for their children, also to provide children with a medium-and long-term protection. More "premium exemption" this unique financial security, to ensure that, unfortunately, to child's insurance can still continue to be valid, for their children's education scheme to a safety lock on. Family protection should not be overlooked is the so-called "ambitious for one's children, hope women into Phoenix", most parents wanted to buy all the children risk species, to the growth of children put up airless "insurance net", with a foolproof. Everyone knows that this "all child-centered" children living in practice is to purchase insurance mistakes. Insurance experts advise parents to children to buy insurance at the same time, as a major force of payment, parents should pay more attention to the improvement of their protection. As a mainstay of the economy of the family, it is important to rely on children's growth, the best way is the family unit, "adult children". So what protection is immediate family require it? Expert advice: family top priority is to have a significant impact on the family of risk of accident. Specifically, divided into three classes: first class is a risk of death, may cause the most direct combat to families; the second category is the risk of disease, especially major diseases, high treatment costs for families will be difficult to afford heavy; third category is the disability caused by accident, this will to a large extent also affect family income, thereby affecting their children's education plan. At present, many families to insure units on the market of products, through a policy to make education planning for their children, and adequate protection for parents, is free from worry good selection of affordable and easy.