How to choose child insurance for children on Children's Day?

Article 1: How to choose child insurance for children on Children's Day?

This weekend is Children's Day. Parents have begun to prepare gifts for children's Children's Day, and various topics around children are gradually heating up. Children will inevitably encounter all kinds of accidents and risks during their growth. With the enhancement of people's insurance awareness, it has become the choice of many parents to buy an insurance and provide a guarantee for their children. According to industry insiders, children's insurance should be considered in the order of accidents, health, education funds or wealth management products, and repeated insurance is not allowed.

Children's insurance first considers accidental medical treatment.

Children's insurance mainly includes accident insurance, health insurance, education savings insurance and investment and wealth management insurance. Children are more likely to have accidents in their daily lives than adults, so parents should first consider taking out accident insurance for their children. At present, students' insurance coverage is the widest, and the most common type of insurance is student safety insurance, which mainly covers students at school and kindergarten children. After the parents pay the premium, the children can get protection including accidental death, accidental disability, accidental injury medical treatment, hospitalization and so on.

When parents choose less child insurance for their children, they can also focus on health insurance products, such as medical insurance and critical illness insurance. Appropriate health insurance can relieve the pressure of treatment expenses after children get sick and let children get better rehabilitation conditions.

Children's education insurance usually provides corresponding insurance needs for children at different growth stages. For example, in children's junior high school, high school and university education stages, insurance companies provide survival insurance money as children's education funds according to contracts, and provide survival insurance money as children's venture funds after children graduate from university.

On the premise of adequate protection, parents can choose insurance products with both protection and investment and financial management functions for their children according to their insurance protection, their own economic situation and financial management needs, and choose the appropriate amount and frequency of payment. For children, accidental injury is the biggest threat, followed by the invasion of disease, and then the education expenses and financial management issues. Children's insurance needs can be considered in the order of accidents, health, education funds or wealth management products. There are also several insurance products on the market, which can be considered in combination with whether the child has social security, family economic status, risk preference, etc. Insurance should emphasize its protection function, and it is unlikely to get high returns by purchasing accident insurance, health insurance and education savings insurance. Although most children's insurance in the market is dividend insurance, the amount of dividend is linked to the profit level of insurance companies, and the return is uncertain.

Buy children's insurance, don't repeat insurance.

When buying children's insurance, try not to insure again. Parents should buy insurance products for their minor children, and the sum of the insurance benefits paid by the insured upon death should comply with the relevant regulations of the CIRC (the current upper limit is 6,543,800 yuan). Its main purpose is to protect the rights and interests of minors and prevent moral hazard; At the same time, parents are the main economic source and pillar of the family, and taking parents as the insured can make the whole family get more comprehensive insurance protection.

Of course, there are three exceptions to the premium ceiling of 654.38 million yuan: the cash value of the contract, the account value of the investment-linked insurance contract, the universal insurance contract and the amount of aviation accident death insurance money can be excluded from the limit of 654.38 million yuan.

Although Children's Day has been a long time ago for adults, the arrival of children has made adults relive their childhood happiness. In the process of children's growth, in addition to the care of parents, a suitable child insurance also plays an important role in the whole family!

Chapter 2: Children's Day Program on June 1st.

Happy children's day, postal savings grow with you.

-Children's Day Theme Marketing Plan

1. Activity background: Children are the care of family and society and the hope of the future. Children's Day is a joyful festival for children every year. How to make children live a full and meaningful Children's Day is also a concern of many parents. From the perspective of financial business development, postal financial outlets target children's families in their jurisdictions. With the theme marketing activities and lively and positive networking activities on Children's Day, children can not only win the recognition and trust of their families, but also help to establish a good customer reputation and help outlets collect customer information from multiple growing families. At the same time, it can also better achieve sales promotion and effectively improve performance.

Two. Activity time: 2016.5.28-2016.6.1

3. Target customers: middle and high-end customers aged 30-40.

Four. Purpose of the activity: Through the activities of "Happy Smile" and "Little Banker", actively invite customers from growing families to carry out bank knowledge education activities with the theme of happy children's holidays, establish the image of postal savings in children's minds, promote parents to save together with children, and realize the further promotion of customers.

5. Focus of activities: Let parents think that participating in activities organized by postal financial outlets can not only make children have a happy holiday, but also help their future growth. This is the key to the success of Children's Day theme marketing activities, and it is also the basis for determining outlets to acquire incremental customers and realize activity follow-up. Considering students' academic pressure and growing heart, it is suggested that such activities should only be carried out for children below the third grade of primary school. By basking in a happy smile, creating an atmosphere of outlets and expanding customer resources invisibly, parents of children will definitely actively promote and win votes. Small bookmaker activities, through the establishment of a fund to vote for the prize, children can save money for education.

How to manage money for a breakthrough or lucky money, let parents open accounts for their children, and fully bind high-end customers.

6. Suitable outlets: financial service outlets with certain conditions.

VII. Material preparation: It is mainly divided into two categories: event publicity materials and marketing publicity materials. Among them, promotional materials include postcards, money counting practice coupons, photo whiteboard walls, etc. The prizes include sand paintings, children's books, plush toys and other gifts. In addition, outlets need to prepare 200 postcards and 20 practice coupons for counting money when setting the activity target of obtaining 100 effective customers.

Eight. Activity content: The activity is divided into two stages, namely "Smile happily" and "Little Banker" on June 1 day. The outlets can post the leaflet "Happy Children's Day, Growth of Postal Stores" based on the publicity column of the outlets' business halls and combined with the publicity columns of communities and towns (outlets can print and make it by themselves), so as to attract the families of target customers to come to the outlets to participate in the activities. (2) If parents take their children to the outlets before May 3 1, first, they can post photos of parents and children on the photo wall of the business hall of the special event. For children's photos on the wall, children should write down their dreams and wishes to their parents next to the photos, and customers in the lobby should vote on the photo wall (the top six can be judged by sticking special stamps next to the corresponding photos); Second, customers who take their children to the outlets to handle business can ask their children to fill out a postcard for free and send it to teachers or parents. (3) On the evening of June 1 Sunday, children and parents can be invited to participate in the "Little Banker" activity at the outlets. Children can visit the business halls of the outlets, learn to use self-service equipment (you can try to deposit and withdraw money once), participate in the banknote counting competition, and feel the working atmosphere of the bank. In the activity, a financial salon with the theme of children's parents' education fund is interspersed, and corresponding awards can be set for customers who sell and promote and children who win the banknote counting competition.

Nine. Activity follow-up: In the activity stage of "Sunning Happy Smiles", the outlets mainly collect customer information and stimulate customers' intentions; During the "Small Maker" activity, the outlets are mainly on-site promotion. After the theme marketing activities in June 1 day, outlets can attract more customers to visit by voting on the photo wall, and on the other hand, they can call back the customers who failed to invite them in June 1 day to promote the second round of sales.

Outlets can mainly focus on education fund savings, and mainly choose financial products such as installment insurance and fixed fund investment for education funds.

X. other matters:

(a) propaganda slogan:

1, Happy Children's Day, with the growth of postal savings!

2, bask in happy smiles and grab children's prizes! Be a small banker and learn to manage your own money!

(2) Main words:

1. Hall invitation: Hello, what you see is the "photo wall" activity organized by our branch on Children's Day on June 1st. Would you like to bring your children to join us?

2. Telephone invitation: Hello, I'm Xiao, your account manager in Postal Savings Bank. Your child's "Happy Smile" activity is over, and we will organize a "Little Banker" activity on the evening of June 1 Sunday. Would you like to bring your children to join us? By the way, you can also take the child's photo frame home.

3. Lecture promotion: Hello, today we specially designed a product portfolio planned by the Education Fund for parents who participated in the "Little Banker" activity. Let's ask our financial planner (financial manager) to introduce it to you.

4. Follow-up of activities: Hello, we are the * * branch of China Postal Savings Bank. Please come to our branch to take photos for your children to participate in the activities of "Sunny Smile" or "Little Banker". Do you think you have time to pick them up?

Chapter 3: How to plan children's insurance?

How to plan children insurance

Children's health and education are the most concerned and worried issues for parents, so is buying insurance for children. Medical and educational security is also the first type of insurance that parents pay attention to. In order to meet this demand, major insurance companies have also launched many children's insurance products, and parents can make comprehensive choices according to their actual needs and family economic conditions.

Health insurance: accident insurance and critical illness insurance.

In the process of children's growth, some colds, stumbling ailments or accidents happen from time to time; On the other hand, when children are unfortunately suffering from serious diseases, high medical expenses and nutritional expenses are a heavy burden for families. Children's accident insurance and children's major illness insurance will bring protection to children's health. Children's accidental death and disability insurance provides protection in case of accidental death and disability. This kind of insurance can generally be purchased 30 days after the baby is born.

Once the child is diagnosed with a major disease stipulated in the policy, he can get a one-time premium paid by the insurance company. The critical illness insurance of some insurance companies includes common diseases of children, such as hematopoietic stem cell transplantation, severe myocarditis, severe gastroenteritis and acute poliomyelitis, in addition to the major diseases stipulated by relevant institutions.

Education savings insurance provides corresponding survival guarantee for children at different growth stages. For example, education funds for primary schools, junior high schools, senior high schools and universities, after-work venture funds, marriage funds and even retirement pension funds. , so that the insured can reserve a sum of money at each specific stage to reduce the financial burden of parents.

Don't fall into three misunderstandings when buying children's insurance

Myth 1: only consider children and ignore parents. Parents are the pillars of the family and the fundamental guarantee for children's growth. When buying children's insurance, don't neglect the parents themselves. Before buying child insurance, parents should first consider whether they have set up health insurance for themselves.

Myth 2: only consider accidents and general medical care, ignoring major disease protection. Children are active and often suffer from minor illnesses such as colds and fever. Parents pay more attention to the immediate risks and buy some insurance for their children, such as accident insurance and hospitalization subsidies, while ignoring the long-term security in critical illness insurance. As we all know, factors such as increasing environmental pollution in daily life will also increase the possibility of children getting sick. On the other hand, the cost of disease treatment is also an economic burden for families, as well as rehabilitation costs. Critical illness insurance can give timely treatment costs after the diagnosis of illness.

Myth 3: Buying education savings insurance only depends on income, not protection. When buying education savings insurance, many parents like to compare it with pure investment products such as funds, and often only pay attention to the income and ignore the protection function brought by this kind of insurance. In fact, the two biggest benefits of education savings insurance are: first, compulsory savings to ensure that education funds are realized in accordance with established goals; Second, the premium exemption function. When the insured dies or is totally disabled, the future premium will be exempted, but the children can still enjoy insurance protection.