What should I pay attention to when buying children s education insurance?

Education is a stepping stone", this sentence has become the consensus of today's parents and the common sense of society, so the investment in children's education is a huge project that spans 20 years. In order to ensure their children's education and reduce the pressure on family expenses, more and more families choose to plan education funds.

What to pay attention to when buying children's education insurance:

1.Be clear about the type of purchase

Education insurance is usually divided into lifelong and non-lifelong insurance. The lifelong type can be used as an education fund during the child's school stage, and a pension after retirement, with a long protection period, so its premium is naturally higher. The non-lifelong type only provides educational financial support for children.

As for how to choose, it can be screened according to the family's financial situation and own needs.

2.Pay attention to the exemptions

Some education insurance products include a waiver clause that allows the child to be covered for education if an accident occurs and the insured loses the ability to pay premiums.

3.Guarantee first, then educate

The essence of insurance is to avoid the economic losses caused by the risk of uncertainty, many parents spend a lot of money to buy education insurance for their children, but ignore accident insurance and medical insurance, which belongs to the end of the day, after all, the child's education is based on good physical conditions.

4.Be aware of liquidity risk

Education insurance is long-term, regular and mandatory, and parents will bear certain losses if they surrender the insurance in the middle of the policy.

5.The sooner you buy, the better

The sooner you buy an education insurance product, the longer the insurance period will be, the lower the amortized premium, and parents will not have great financial pressure.

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Extended Information: "Treasure Baby".

Not about what pitfalls to look out for. Rather, there are areas that we may be prone to overlook, and we should be aware of them. If you have a children's education fund, you should buy the kind of insurance that is both guaranteed and profitable.

And then with a sufficient line, basically, it can ensure that the child is safe and secure for a lifetime, in the future, in college, or in the future, or in the future, it can also give her sufficient protection, all medical expenses, is paid a year, so when you are older, the income of this insurance will definitely be able to deduct the cost of medical treatment in the future. Truly protect your child for a lifetime.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Due to the high cost of surrender in the middle of the education insurance, parents will not arbitrarily withdraw the expenses for other purposes, ensuring that the children's education expenses can be withdrawn in the future. Because education insurance has the effect of compulsory savings.

Some precautions for education fund insurance: 1. Be careful of liquidity risks. The compulsory savings function of education insurance also means that the liquidity is poor, and once the funds are invested, it is necessary to pay the premiums to the insurance company regularly according to the contract, and if the insurance is surrendered halfway, it will bear certain losses.

2. Generally, you need to plan early. If you buy education insurance early, on the one hand, you can enjoy a longer protection period, on the other hand, you can get better returns, and it is difficult for children to buy education insurance when they are over 12 years old. Children's education is the focus of a family, rather than being afraid to have children because of anxiety, it is better to plan for children's education as early as possible, so that children can enjoy better educational resources.

Xueba talks about insurance, and teaches you to choose the best insurance for your child! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated, you can click to take a look, which can help you choose your child's insurance.

How to buy insurance for your childThis problem has always been a problem that stumped tens of millions of parents, so let's sort out the methods and ideas for buying insurance for children! Configure from these three aspects:

First, medical insurance must be handled well, which is the basic guarantee of the people!

After the child is registered, you can go to apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, after running medical insurance, it is necessary to consider fully configuring commercial insurance, and it is recommended to give priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, which provides a relatively long period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the first expense, it can also solve a lot of additional expenses caused by illness, such as falling behind because of illness, or some irreparable losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance policy can be used to solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is cheap and useful.

Finally, it is necessary to configure an accident insurance, the child's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, don't look at the cost is not much, but the protection is a lot. Accidental death, disability and accidental medical liability of the child can be covered, which is very cost-effective.

Third, what insurance should not be bought for children?

Don't choose life insurance for your child, and try not to attach both liabilities to critical illness insurance. The specific reasons I know are in this answerWhy is it so hard to buy child insurance? You'll know when you see it!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, you can get it for 1,000 yuan per year, if you buy lifelong protection, it is only two or three thousand per year, which is not expensive and very useful.

That's all for me"Do I need to buy child education insurance? What should I pay attention to? "

Hello! There are three types of children's education insurance, one is pure education insurance, the other is insurance for education funds at a certain stage, and the other is education insurance that provides survival insurance for children's marriage leave and entrepreneurship. How to buy children's education insurance?

1. Do what you can.

As far as purchasing an insurance policy is concerned, parents need to do what they can and the premium should not exceed 20% to 30% of the family income, otherwise there will be a greater financial burden.

2. Additional medical treatment.

For newborn babies, average-income families should be medically prepared for the baby. At present, most children's education insurance plans, as well as additional children's medical and accident insurance, can be considered.

3. Hurry up early, not late.

Generally speaking, it is most appropriate for parents to apply for insurance before the age of 5, because the earlier the insurance time, the more education funds accumulate, the lower the annual contributions, and the earlier the protection. For example, if you apply for the same insurance and pay the same amount every year, you will eventually receive twice as much education as you would if you were 6 years old.

4. Premium waiver is important.

Try to buy an education insurance product with a premium waiver clause so that even if the parent loses the ability to pay the premium due to a serious illness or accident during the payment period, the insurance contract will still be valid and the child's expenses for school will still be covered.

5. You don't have to buy whole life insurance.

If you pay the same premium, if you want to have both education and death functions, then the life insurance coverage period is longer, and the amount of education protection will be diluted. Generally, children's education insurance can be insured until the child reaches adulthood, and they can buy insurance according to their own financial strength and needs when they grow up.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Do you plan to send your children to private schools and study abroad at their own expense?

If you plan to do so, you can consider purchasing some education pensions.

If you are an ordinary well-off family and do not have the above plans, there is no need to buy.

Because you can afford the cost of your child's schooling, if you can't afford it, you won't have the "spare money" to buy insurance.

Worried that something will happen to you in the future and your child will not be able to complete school?

Then you should allocate sufficient insurance for yourself, rather than buying any so-called education funds.

In layman's terms, coax the common people to play.

If you need professional advice, you can send a private message.

It is necessary to buy a children's education insurance for children, because from kindergarten, primary school, middle school to university, or even to study for a doctorate or go abroad for further study, there can be no problems with education expenses during this period.

The characteristics of children's education insurance are as follows: education insurance products.

Clause. 1. There is no time flexibility, and you have to use it when the time comes.

Clause. Second, there is no cost flexibility, and the basic education expenses required by children at each stage are relatively fixed.

Clause. Third, there is a large gap in the additional costs of tutorial classes, so you must be well prepared. There are differences in children's qualifications, and the associated costs vary greatly throughout the education process, so it is better to prepare more than less.

Clause. 4. Education funds are earmarked. This insurance is the most common type of insurance for children's education, which can provide adequate protection for children's education in various situations. It is the same as the housing provident fund and the pension.

Education insurance allows parents to no longer worry about the cost of their children's education, ensuring the smooth progress of their children's future learning career.

Clause. Fifth, the long duration and the huge total cost are also the characteristics of the education fund. The total amount of education required for children to continue for almost 20 years from childhood to adulthood is very large.

Clause. Sixth, the characteristics of the education fund are also the stage of high expenditure, these expenses pay the cycle is short, and the high payment cost requires advance financial preparation.

Other insurance questions can be consulted.

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After-sales service: 95362