中国广告网--家长给孩子买什么保险合适？

　家长给孩子买什么保险合适？

2007-4-6 18:20:30
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　山西晋中的徐女士：我想给小孩上一份保险，要办哪些手续？教育方面的保险是什么概念？
　　答：目前，大多数家庭都是独生子女，出于对孩子的钟爱，家长越来越偏爱少儿险种，把保险作为表达爱的一种方式与工具。
　　其实，少儿险种可分为三类：一是意外伤害保险。父母应首先考虑这类产品。有调查显示，40%的儿童夭折是由于意外伤害造成的，意外伤害已经成为儿童健康的头号杀手。因此有必要为孩子购买这类产品险种，而且这类产品的费用一般都比较便宜。
　　二是健康医疗保险。随着重大疾病年轻化、低龄化的趋向，重大疾病的高额医疗费用已经成为一些家庭的沉重负担。利用保险分担医疗费用支出就成为儿童重大疾病保险的重要功能。重大疾病险投保年龄越小，被拒保的机会就越小，保费也更加便宜。此外，孩子头疼脑热、生病住院的概率也要比成人高很多。家长不妨为孩子再购买一些健康医疗类险种。
　　在上述保险都齐全的基础上，家长就可以考虑为孩子购买教育保险。教育保险是专款专用，由保险公司为家长管理，只有到了升学的特定时间或不同学习阶段，才提供适当的费用，或给付创业、结婚基金。
　　综上所述，给孩子买保险的正确顺序应该是意外险、健康医疗险、教育保险，寿险可以暂时不考虑。建议家长在购买儿童主险时，不要忘了购买豁免保费附加险，这样万一家长因某些原因无力继续缴纳保费时，对孩子的保障也继续有效。
　　需要指出的是，很多家长有一个误区，认为给孩子保得越多越好，甚至为了孩子宁愿省下钱来自己不买保险。实际上，保险的原则应该是“先大人后小该”。大人是家庭的经济支柱，也是孩子的依靠。一旦出现状况，家庭生活都有可能出现问题，更何况支付孩子的保费，“皮之不存毛将焉附”？所以，家长给自己投份保险比给孩子投保更重要，家长自身的各种保险要健全合理，只有这样才具备庇佑家庭的能力。
　　注：本信息仅代表专家个人观点仅供参考，据此投资风险自负。

Jinzhong of Shanxi, sent to the kids : I would like an insurance policy, to do what procedures? What is the concept of insurance education? Answer : At present, most families have one child, based on the beloved children, parents prefer Children types regard insurance as a way of expressing love with the instrument. In fact, children can be divided into three types : First, accidental injury insurance. Parents should first consider such products. A survey shows that 40% of children who died due to injuries caused by accidents, injuries have become the number one killer of children's health. Therefore it is necessary for children to buy such products types, but the cost of such products are generally cheaper. The second is health care insurance. With major disease younger and younger age trend the high cost of health care has become a major diseases a heavy burden for some families. Medical insurance cost-sharing on the use of children as a major health insurance important functions. The smaller t

he risk of major diseases, age insurance, the less chance refused ensure that premiums are cheaper. In addition, Toutengnaore children, the sick and hospitalized much higher probability than adults. Parents wish for their children to buy some types of health care category. Complete insurance on the basis of the above, parents may consider buying education insurance for their children. Insurance is used for the special education from the management of insurance companies for parents, only to a specific time or different stages of the study. Only appropriate, or the payment of entrepreneurship, marriage fund. In short, buy insurance to children should be the correct sequence of the accident insurance, health care insurance, insurance life can not be considered temporary. Parents of children in the proposed purchase of the main risks, we should not forget to buy additional insurance premium exemption. If parents do not continue to pay premiums for certain reasons, the protection of children continue to be effective. What needs to be pointed out is that many parents have a misunderstanding that the protection to the child the better. Even children would not save enough money to buy their own insurance. In fact, the principle of insurance should be "the first small adults." Adults are the breadwinners for their families, as well as relying on the children. Once a situation occurs, the family may get into trouble, not to mention the premium paid child, "The skin does not exist hair stand?" Therefore, these parents to take their insurance is more important than insured children to parents own insurance to sound reasonable. Only in this way will ensure that families have the ability. Note : This information represents only individual experts view for reference purposes only and thus bear the investment risk.

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2007-4-6