Experts: Children are mainly at risk from accident, health care and education

People's Network Beijing, December 2nd (Zhang Suling, intern Zhang Yewei) November 29th afternoon, senior consumer psychologyexperts, domestic well-known psychologyexperts
Bai Yanyi, good planning senior financial planner Yanqing, Taiping Life Beijing branch business director Sun Tao guest people's network "parenting treasure" forum, to "
children'sinsurance should not buy? How do I buy it? How do parents choose? "The topic was communicated with the netizenssocial security forchildren'sprotection is very little parents need to buy commercial insurance to avoidrisks
Yan Yanqing introduced, children's insurance is not a specific insurance classification, but the commonly referred to as children can buy insurance products, "We refer to children's insurance today refers to children's commercial insurance."she says the social security for children is generally "a small" insurance in the social security systemBut social security should be the foundation for both adults and childrenabout social security and commercial insurance, Sun Tao added, "There are very few protections for children in the national social security system." As far as I know, like beijing has a "old and small", the amount of protection and reimbursement ratio are strictly limitedCommercial insurance, whichmainlyis an effective supplement to social security, and can be tailored according to the situation of each family and each child, the types of protection basically cover us fromaccident
tomedicalto majordiseases, to the futureeducationand pensions such a system"
, children are generallytothe risk ofthe cost of unexpected,medical , and education, as they
grow up Yan Yanqing suggested that when deciding what kind of insurance products to buy for your child, the first step is to judge what risks your child's face in growing up for the existing commercial children's insurance on the market, Yan Yanqing divided it into children's accident insurance, children's medical insurance, serious illness insurance and education insurance (also known as education insurance) four categories, different categories of protection responsibilities "For example, accident insurance, its liability for protection mainly some of the costs of medical or accidental medical or accidental death caused by the accident "
accident injury, accidental medical purchase and the highest odds followed by serious illness insurance and education insurance " In fact, every child should be in accordance with their own characteristics to establish their own insurance plans "From the perspective of financial management, family insurance, should be insured first on the basis of the children, in accordance with the family's budget, there is a sequential choice of insurance for the child So, are there any priorities for different age groups when buying insurance? In this regard, Yan Qing said that children's various stages of insurance needs are not very different, and usually premiums with age, so early for children to buy insurance, can allow them to get the appropriate protection as soon as possible Specifically to each child, because each child's health condition is different, the existing protection is different, should be combined with their own actual situation to choose to buy how to buy different kinds of children's insurance is the most cost-effective, Yan Yanqing said, education insurance usually need to be purchased separately, and premiums with age, the earlier the purchase is more cost-effective Accident, medical and serious illness insurance may be considered to buy comprehensive insurance, more cost-effective than the purchase of individual insurance, and comprehensive insurance usually exists in the form of consumer insurance, in terms of the purchase of protection insurance type, the price is higher and how to choose different types of children's insurance, Sun Tao said, it is generally recommended to buy children first accidental injury, accidental medical treatment, followed by major illness , again, education, and finally financial insurance "Minors, claims focus on both accidental medical treatment and inpatient care For example, we commonly known as the cat grab dog bite, bump touch, to the foot, teeth and so on, is the most children's stage claims cases In addition, pneumonia, respiratory infections, gastroenteritis and other need for hospitalization when the claims are more "