Children s education insurance, how to buy children s education insurance

Children's education insurance, also known as children's education insurance, is a type of children's insurance that provides educational protection for children and adolescents at specific educational stages. Some children's education insurance plans with comprehensive coverage can also provide critical illness protection or start-up fund protection, laying a solid foundation for your child's future development.

In addition to providing education for junior high school, high school and college, children's education insurance can also provide future entrepreneurship**, marriage** and even pension**. Therefore, the types of children's education insurance can be divided into lifelong education insurance and non-lifelong education insurance according to the protection time. The non-lifelong type only provides education funds, and the lifelong type also provides entrepreneurship**, marriage** and even pension**.

In addition to dividing the types of children's education insurance according to the protection time, it can also be divided into red-type education insurance and savings-type education insurance according to the nature of the insurance product. Participating education insurance is an education insurance with a regular dividend nature, in addition to additional dividend income, it may also include certain medical protection, such as China Merchants Cigna.

Guardian of the Future, Dividends, Educational Annuity Insurance; Savings education insurance is simply a reserve fund for a child's education for a specific period of time.

Education insurance for mandatory savings.

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Children's education insurance is a bit different from what we often call children's insurance, which belongs to the category of financial insurance, and its main role is to provide funds for children's education.

Definition of education insurance: provides insurance benefits for children's educational needs at different stages of growth. Education insurance is a type of savings insurance with protection functions.

Eligibility: 0 years old (28 days old and discharged from the hospital) 17 years old.

30 days old and 14 years old.

Characteristics of education insurance premiums: high cost and long cycle.

Types of education insurance: lifelong and non-lifetime.

Lifelong type: pay the insurance money agreed in the contract at different stages of growth as the child's education fund or pension;

You can get some protection at different stages of life.

Non-lifelong: This type of education insurance is earmarked, according to the child's stage to determine the payment of insurance money, in the child to high school and college two important stages to begin to pay education every year, and when the child graduates from college or start a business, and then pay a sum of money and account value again, in the child's various stages of education to get a certain help.

01Pay attention to liquidity risk.

The liquidity of education insurance is relatively poor, there is a compulsory savings function, and the premium must be paid on the specified date after the funds are invested, and if the policy is surrendered later, a certain amount of funds will be lost.

02The sooner you buy, the better.

If you apply for education funds early, the cycle will be longer, the protection period will be longer, and the income will be better.

03Take advantage of the protection function of education insurance.

Some education insurance plans provide coverage for illness, accidental injury, and severe disability.

There are many children's education insurance products on the market, if you don't know where to start, welcome to consult daddy!!

The specific types of insurance are basically available in all insurance companies, and all types of education savings insurance are mainly divided into two categories:

1. It is a traditional education annuity insurance, such as 18 years old (generally the age of going to university) to start receiving it every year and ending for four consecutive years. There are also those who receive insurance benefits until the age of 25, so that the amount of insurance is fixed and the protection is clear.

2. It is a universal insurance or investment insurance that is currently hot in the market, which is used as a reserve for future pension in the form of investment value-added, but it has a certain risk and cannot guarantee how much value-added it has, and its first 5 years of deduction costs are higher, and it generally requires medium and long-term continuous payment of investment to hinder the utility, of course, its income opportunities may also be greater than that of traditional education annuity insurance.

The specific choice depends on your appetite and acceptance of risk.

After the general direction is clear, you can implement open scheme collection and comparison operations to see which insurance type or combination can most effectively meet your needs, that is what you want! Of course, this kind of collection and comparison, the simplest and most effective is to directly find a few local companies of different companies, if you are worried about possible harassment or entanglement, you can now also online through the insurance bidding platform of the special third-party insurance intermediate station, directly and anonymously solicit the specific plans of different insurance companies, compare and choose.

Children's education insurance is a type of insurance for children's future financial planning, generally insured within the agreed age range, and receive fixed funds at the agreed time in the future, so that children's education has more financial protection.

Education is the most important part of children's growth, and university education in our country has become more and more popular.

Education is the stepping stone for children to enter the society and enter the workplace in the future, and the level of education may directly affect the children's future living standards.

Although the children's education fund cannot solve the problem of school places, but the allocation of children in advance can at least allow the children to not be hindered from going to school due to financial problems in the future.

When parents take advantage of their ability, plan for their children in advance and stabilize ***, which is a good choice for parents who have no time or lack financial knowledge.

If you want to know about specific children's education insurance products, you can consult directly with the dad.

There are a few principles you can consider when buying insurance for your child. When the child has adequate protection and is considering purchasing an education**.

1.To buy insurance for children first insured public medical and school insurance urban residents basic medical insurance and rural cooperative medical insurance are a kind of insurance, mainly for medical expenses, it is simple to buy, urban children buy urban basic medical insurance, rural residents buy rural cooperative medical insurance, a year's premium is generally only a few dozen yuan per person. If medical expenses are incurred, take the medical records and expense invoices, and generally go to the local ** agency for reimbursement.

2.Buy insurance for your child and take care of children's accident insurance.

There are many children's accident insurance on the market, because most areas have a limit of 50,000 yuan for minors, of course, there are also 10 yuan in Beijing, Shanghai and other economically developed areas, and the insurance amount is the maximum amount of insurance paid by the insurance company. Many children's accident insurance on the market can be purchased by children who are 30 days old, and the insurance liability includes: accidental medical treatment, accidental disability, and accidental death.

3.Buy insurance for your child and supplement it with commercial medical insurance.

Of course, if the family's economic conditions allow, you can buy commercial medical insurance for your child, mainly to choose additional hospital medical insurance, which is generally insured once a year, and the annual cost ranges from dozens to hundreds of yuan, depending on your own needs and economic conditions. However, this type of insurance is generally not sold separately, but is sold together with other insurance products, which is what we often call the main insurance.

4.If you want to buy insurance for your child, you can add critical illness insurance.

Of course, if the family conditions are good, you can buy critical illness insurance for your child, and the average child spends only a few hundred to several thousand a year on this insurance, mainly in the insurance contract to list the type of disease, once diagnosed by an authoritative medical institution, the insurance company will pay. In the market, such insurance is generally divided into coverage up to the age of 70 (there are also special ones) or coverage for life. Of course, we prefer that our children will have any illness throughout their lives.

Children's Green Card.

Suitable for: adolescents and children who are vulnerable to accidental risks.

Product features: Double payment of accidental hospitalization allowance due to accidents on school days.

Insurance liability: accidental injury (death, disability), accidental medical treatment, accidental hospitalization benefit.

"Ping An Happy Baby" Children's Medical Insurance (Section B).

Applicable population: adolescents and children aged 3-18 who are vulnerable to various risks.

Product features: covering 100,000 yuan of inpatient medical expenses protection, critical illness and other special protection insurance liability: critical illness, accidental injury, accidental medical treatment, inpatient medical treatment.

Children's protection: accidents, medical treatment, and critical illnesses can solve your worries with a few hundred yuan a year, and you still have to consider you, because no matter how much protection your children have, you have to pay, so first of all, you must ensure your health and have a stable income.

To buy insurance scientifically, adults before children should buy insurance; First protection (accident, medical treatment, critical illness) and then investment (pension, education, financial management, etc.), especially at your age, accident insurance must be considered, and there are many factors to consider when buying insurance: age, gender, annual income, annual expenses, annual balance, what protections are currently available, whether there are loans, whether there are investments (**, **, bonds, real estate, etc.), children's education, and the support ...... for the elderlyIt is necessary to design the scheme according to these reasonable plans, because the insurance is paid for more than ten or twenty years. So don't let these uncertainties affect our future quality of life.

Be sure to consider comprehensive, because the insurance payment is directly linked to age, the older the age, the higher the cost, the shorter the protection time, and the scientific planning of insurance is to control the annual insurance at 15-20% of the annual family income, and the amount of life insurance is 5-10 times your annual income, so as to reasonably avoid potential risks.

The annual premium is about 10-15% of the annual income, which is reasonable!

Briefly, a one-year-old baby example:

1. If you invest in education funds for your children, pay a total of 100,000 yuan in 15 years, then you can receive more than 10,000 yuan when your child is in high school and college, 50,000 yuan when you get married, and more than 70,000 yuan in your account at this time, if you receive a pension after the age of 60, you can receive more than 5,000 per month, and a total of 1.2 million in 20 years! After the age of 80, there are still about 200,000 in the account! By the age of 100, there will be 680,000 in the account!

Get your premium back every 3 years!

2. In addition, there is a comprehensive accident hospitalization medical insurance!

The income of education insurance is very poor, and it is not as good as a 5-year bank deposit.

Children are still young, the first thing to consider is health and accident insurance, because the self-protection ability and body immunity of children before the age of six are very low, and their young minds are full of desire to explore every corner of the world, the most frequent age of diseases and accidents is also at this stage, the average annual medical expenses of each child are more than 2,000 yuan. For accident insurance, it is recommended that you go to the money bag network to see. Of course, if the family's financial affordability is good, it is also a good choice to consider a life insurance for the purpose of education fund protection for the baby as the main insurance, with additional critical illness, accidental medical treatment, hospitalization compensation, hospitalization allowance and policyholder waiver clause to form a comprehensive insurance.

Of course, from a professional point of view, parents are the most should have the object of protection, before considering the baby's insurance, it is best to design a suitable insurance plan for parents, imagine, as long as you are both healthy, with your ability to worry about the baby's sick medical expenses and education funds**? And if you have an accident or misfortune, who will be responsible for your baby's future premiums? Even if the premiums are waived, who will take care of his daily life?

As long as we have a good guarantee, we can also ensure that the baby's future education and life are well guaranteed.

When it comes to choosing an insurance company, in fact, the most important thing is to compare their strength and service level, the deductible clause in the insurance, the realization of claims, the coverage of insurance, etc. are the most important considerations, and the most important thing is to see what kind of insurance person you choose to serve you, no matter how good the company is, if you choose the best person, it is also in vain, because most of the services you enjoy are achieved through the best people.

It is said that there is no such thing as the best insurance, only the most suitable insurance. Which type of insurance is more suitable for your needs depends on your specific situation.

Chinese's birthday!

Jincai will have a good tomorrow.

You can take a look at the Angel of the Century of Peace! ~

You can find an insurance specialist to explain this, and now there is a Century Angel Mark, which is specially made for children aged 0-18, and you can also call me if necessary.

In view of the child's activity, we should focus on accident medical treatment and accident insurance, and then consider the combination of dividends and education funds.

Adults and then children buy insurance, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

First of all, the order of purchasing insurance is: you must first protect the product, including 1, consumption (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc.

Secondly, the principle of purchasing insurance is based on social insurance, and it is better to add appropriate business and business insurance as a supplement.

For example, first purchase the social insurance launched by the state (it is best to have a unit come forward to purchase), such as the cooperative medical insurance for rural households or the medical insurance for urban residents with urban households, and then consider commercial insurance as a supplement.

Here, I know that in this industry, there are three sentences that say this: "brand in life", "Ping An's talents" and "Xinhua's products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally, medium and long-term contracts, and you can become lifelong happiness if you buy it, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.