Optional insurance for their children preferred medical insurance accident insurance education gold are critical

Child safe is every parent wish happy and healthy growth. At present, buy insurance for their children, parents is called a time, but how to design for baby security comprehensive insurance programme? Is the premium, the higher the better, higher amount, the better is this? Of insurance after the four principles and one is deceased, surely comes first and it was then a matter of a family, who was the first of two adults before children and adults as children who continued to pay the Office Premium, if adults run out, child protection is impossible. So family in the priority insured object should is family economic of "backbone", only in parents are full protection of situation Xia, consider to children insured is significance; recommended reading insurance weekly: variable amount annuity pilot started Beijing Shanghai five city first wins insurance enterprises violations promotions penalty 500,000 insurance ring "Wang yawei" emerge surface exaggerated income does not to risk silver insurance disputes constantly should first to family "pillar" Shang foot insurance regardless of from lost insurance is zehui Shi Qiming jointly immortal see disk build boutique lecture three is premium accounted for than does not over family annual revenue of 10% suitable, highest does not over 20%. Premiums ratio is too high, basic survival difficult to maintain, insurance protection or it will fall to talk about, and the insurance company product much. So select the best insurance agent is more important. Preferred medical and accident insurance children insured should follow the "near-far after, acute and sustained after first" principle, risk-prone first insured. Children's stage, the body relatively low immunity, vulnerable to pathogen invasion, most prone to disease inpatients and accident risks, so to be insurance against medical and accident insurance for their children, major disease categories visible economic conditions, where appropriate, the purchase of insurance. In General, babies born after 28 days can have medical insurance to insure it. Class hospitalization medical insurance reimbursement and allowances, to separate or additional insurance purchased. Hospital costs, according to the different grade of insuring, set with the highest total reimbursement, according to 90% claims, can claim multiple times within a year. Hospitalization subsidies, according to the actual hospital stay after deduction from the number of days, give a certain amount of subsidy per day, according to the grades limited the total amount to be insured. Medical insurance selling commercial insurance companies, many communities now can be insured, when parents in developing insurance plan for kids, take full advantage of the social protection of resources, reduce insurance costs. Taiyuan as an example, you can in the community where the child account insured children's social medical insurance, premium $ 40 a year, such as hospitalization costs in accordance with the proportional reimbursement, compared to commercial insurance companies Premium offers a lot. With age, children will gradually experience during the naughty, especially after the age of 3, in addition to medical insurance, accident such insurance must be increased, you can make the growth process more secure. Accident insurance are is consumption type of, first class is insurance during "a years", protection various situation accident caused of children death, and disability, such as a years cross 200 Yuan insurance 100,000, second class is very short-term accident insurance, such as traffic accident insurance, and tourism accident insurance, and airlines meaning insurance,, only protection in transport Shang or tourism during of accident, such as 3 days, and 5 days, and 10 days or once tourism during,, price cheap and insurance amount high. Children after attending kindergarten will unify insured accident insurance. All insurance companies have accident insurance product, available via phone, Web, and other easy way to insure, and insured can also enjoy a discount on the Internet. Insured can give more contrast, first look at the price of collaterals, the same coverage, premium price the cheaper the better, second look at the deductible, low deductibles, the better. Important point in particular, do not have to give their children out too much personal accidental death insurance. According to the relevant provisions of the insurance, no matter how much premiums, accidental death insurance coverage of children under 18 years old maximum payment amount only 50,000, Beijing, Shanghai, Shenzhen and Guangzhou have to increase that amount to 100,000. Accordingly, can give a child to configure some accidental injury, medical insurance. Secondly consider education payment insurance "Education Fund is 10 or 20 need to spend money", education payments insurance is powerful and family financial planning tools, parents have an obligation to also have the responsibility to store a fixed fee each year for children future education fund on a regular basis, the money is to force the storage and earmarked. Conditions permitted cases, try to get to purchase education insurance, because children younger, lower rates. Through child childhood children's insurance investment, insurance companies every year in children secondary school, the University will provide a substantial cost of education, may through the Industrial Development Fund and other forms also have children of their parents ' love in every important moment to reflect on life, passing most holy and deep love of parents. Education gold line of insurance do not have very high, but it can faithfully accompanied children fight some of the most important stages in life, when the children grow up happy family which established his own, also vary according to the youth, insurance and in the same sense of responsibility back to the family and society, and this, perhaps where the true value is the type of insurance education! Insurance education fund insurance, it is recommended that parents may be subject to exemptions, occurred in adults are under risk situation cannot afford to pay, child insurance free of charge. But when children Education Fund, can take the money. Old-age insurance, is necessary for the vast majority of ordinary people families, purchase life insurance for children, really too "prudence". Old-age type of insurance to insure children, must be premised on adults own pension sufficient reserves. Experts suggest that such insurance for children, paying period should be centred on the child before the juvenile, maximum should be to graduate of the University age, should be after their self-reliance, and choose the appropriate insurance to insure their own. (Author Department of Shanxi branch Brand Manager)