Children's insurance is only a part of the family security plan, not the most important part. The most important thing is to protect parents who earn money to take care of their children. If parents haven't perfected their own security, they should give priority in family security planning, including giving priority to parents and children in the distribution of insurance premiums. In the case of limited budget, security is given priority, followed by education savings. If you are good at financial management, you can consider other ways to prepare the education fund, and education fund insurance is just one of them.
Specific to product selection, it is necessary to design the scheme in combination with family situation, gender, age, occupation, family financial situation, income and expenditure liabilities and existing insurance situation.
Buy social security first, then commercial insurance. Commercial insurance is divided into two parts, first buy basic protection and then consider education funds.
First, basic security, serious illness, hospitalization, accidents, is very cheap.
1. Accident insurance children are naturally active and curious, and bumps are inevitable.
2. Hospitalization insurance, the baby's immunity and resistance are not as good as adults, and it is necessary to be hospitalized if you have a cold and fever.
3. critical illness insurance.
The second is the education fund planning. Divided into two parts, education fund savings and education fund protection.
1. Saving means buying savings insurance or saving money, forcing yourself to save a sum of money for children to go to school, so that they don't have to pay tuition fees at ordinary times, which is necessary for people with weak self-discipline ability.
2. Education guarantee, children's tuition depends entirely on their parents, which means that parents must be healthy, healthy and safe. Once you can't make money, your child will have no money to spend. You should buy insurance for yourself and designate your child as the beneficiary. When they can't make money when they are out of danger, the insurance company will compensate the children, which is to protect them.
Don't buy the dividend insurance that guarantees you a lifetime return every year. That's not education insurance. Education fund insurance guarantees that you will receive money every year for four years until you graduate from college, and some will give you a wedding fund at the age of 25.