How to attract parents to buy insurance

The only child is a common choice for modern urban families. No matter what the idea is, once the child is born, parents do their best to let the child enjoy the best material life and the best education, and no one wants the child to be wronged. Especially today's young parents, before the birth of their children, began to inquire about what kind of children's insurance to buy. Education fund insurance is the best, and it is also guaranteed. In fact, there is nothing wrong with this, which shows that people now have accepted the concept of commercial insurance, but they just don't know how to choose. This can't be blamed on our young parents, because there are many insurance products, all of which have beautiful names and look similar. I remember that after my friend's child was born, many intermediaries called to promote it. Finally my friend chose one of them. I asked him why he chose this company's products. He told me that the company name sounded good, and you might think it was a joke. But he also told us that some parents would buy it, and I don't know if it really suits their family. Choose education insurance carefully. The purpose of insurance is to deal with the financial crisis that families can't bear. Maybe parents should think about it first.

I hope the following six principles of child insurance can help parents who want to buy insurance for their babies.

First, abide by the principle of "being near before being far, being urgent before being slow". Risks that are easy to occur in childhood should be insured first, and risks that are far away from children should be insured later. There is no need to buy it all at once, because insurance is also a kind of consumption, which will change according to the specific situation.

Second, pay attention to safety before education. Many parents spend a lot of money to buy education insurance for their children, but don't buy or ignore accident insurance and medical insurance, which puts the cart before the horse. The probability of children suffering from accidental injuries is relatively high, and the probability of headache, brain fever and hospitalization is much higher than that of adults. Therefore, insurance experts suggest that the order of buying insurance for children should be: accident insurance and medical insurance; Critical illness insurance for children. On the basis of all these insurances, consider buying education fund insurance.

Third, protect adults first, and then protect children. Children are given priority in insurance, but adults themselves are ignored. This is the most serious misunderstanding. Adults are the economic pillar of the family and the best "umbrella" for children. If you only buy insurance for children and adults don't buy it themselves, then when an adult has an accident, the family is likely to get into trouble.

Fourth, the insurance period should not be too long. You can concentrate before your child is underage, and when your child grows up, you can choose the insurance that suits you, but the protection period can be relatively long.

5. The insured amount shall not exceed the limit. Insure your child with insurance (such as term life insurance and accident insurance) with death as compensation condition, and the accumulated insurance amount shall not exceed 65,438+00 yuan (Beijing), because the excess amount will be invalid even if the premium is paid. This is a mandatory requirement made by the CIRC to prevent moral hazard. Therefore, before insuring your child with commercial insurance, you must first find out what protection you have. How much gap does commercial insurance need to fill?

6. Purchase is exempt from additional risks. It should be noted that while buying the main insurance, you should also buy premium-free additional insurance. In this way, if parents cannot continue to pay premiums for some reason, the protection for their children will continue to be effective.

Before buying commercial insurance, I suggest you know about some national welfare policies:

For example, friends in Beijing can go to their neighborhood committees to learn about the trial measures for basic medical security for serious and serious diseases in primary and secondary school students and infants in Beijing.

The general office of the municipal government issued the "Trial Measures for Basic Medical Security for Primary and Secondary School Students and Infants with Serious Diseases in Hospitalization and Outpatient in Beijing", which came into effect on September 1 2006.

The related benefits in Beijing are still good. On this basis, it is suggested to increase the protection of children's consumption-oriented periodic serious illness for 20-30 years. For 0-year-old children, 300 yuan's guarantee of 20W per year is enough (on the one hand, the medical level is developing, and the definition of serious illness will be adjusted. Considering the problem of future claims, it may not be beneficial to buy long-term insurance covering the period after the age of 70 for children's economic independence, on the other hand, it can reasonably control the premium budget). Children's education fund preparation, insurance is also a way to solve.

Suggestion: It's different whether there is social insurance or not.

Specifically, under normal circumstances, when parents take out insurance, they can take out insurance in the order of hospitalization first and then critical illness insurance according to their own financial ability.

Before the age of 6, children's resistance is relatively weak, and the probability of hospitalization due to minor illnesses is relatively high. Therefore, we should focus on purchasing reimbursement hospitalization medical insurance. If the budget is sufficient, you can also add a hospitalization allowance insurance to make up for the delayed work income of parents taking care of sick children.

Today's children eat better and have less activities. With the increase of age, the risk of major diseases is gradually increasing. If economic conditions permit, parents should supplement their children with critical illness insurance on the basis of hospitalization medical insurance in time.

However, for parents who have enjoyed or can enjoy the basic medical insurance for children, the insurance strategy is to supplement a small amount of fee-based hospitalization medical insurance with subsidized medical insurance or critical illness insurance.

Reminder: The clearer the hospitalization insurance fee, the better.

For children's hospitalization medical insurance, we should look at security, price and claims comprehensively, and we can't judge the quality of products only from price. For example, some relatively cheap insurance may have more restrictions on the deductible.

In addition, when purchasing, pay special attention to the details of payment terms. For example, to understand the specific way of insurance claim limit, some types of insurance not only stipulate the maximum claim limit, but also have a limit for each sub-claim; For another example, you also need to know the reimbursement ratio of all expenses stipulated in the specific insurance.

It is particularly important to note that hospitalization expenses generally include several major items: medical expenses (including non-self-funded drugs and self-funded drugs), examination fees, bed fees, meals, surgery fees, etc. Some children's medical insurance sets a higher reimbursement ceiling for medical expenses, which seems attractive, but other expenses may be insufficient. Therefore, parents should avoid choosing products with too general reimbursement items when insuring expense insurance, and it is best.

Critical illness insurance:

Don't look at the number of insurable diseases, look at the types of doctors.

As for the children's critical illness insurance, it should be noted that there are still some differences in the types of diseases that can be insured by children's critical illness insurance of various insurance companies. Some can cover more than 30 diseases, while others can only cover a few or a dozen.

When choosing, parents should pay more attention to which diseases can be insured, rather than simply counting the types of insurable diseases, because the more diseases insured in critical illness insurance, the higher the premium, while underwriting too many diseases with low incidence is often just a waste of premium.

It is understood that there are about 10 kinds of common major diseases in children, such as malignant tumors (including leukemia), severe burns, encephalitis and so on.

Among them, it is particularly important to note that the selected children's critical illness insurance must be able to provide sufficient protection for leukemia, and some insurance companies' children's critical illness insurance will pay an additional 30% of the insurance premium for leukemia. Data show that leukemia is in the forefront of the incidence of malignant tumors in children in China. The incidence rate of children below 15 is about 3 in 100,000, accounting for 35% of all malignant tumors in this age group, especially children aged 2-7.

Therefore ... it is very necessary to buy some children's insurance.

(I collected some temporarily, but I haven't had time to sort it out, but it basically covers all aspects of children's insurance. Education savings insurance is rarely mentioned. As long as the protection is arranged, it should be almost the same to choose one with premium exemption function. If you have any questions, you can leave me a message or add questions. )

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.