Fashion Now

. accident, medical care, education

. to a summer vacation in schools clearance of a semester, Yabu Zhu also work more in the nature of playing children. But the school teachers out of control, along with busy parents, the children's summer safety of heart disease has become parents. A survey shows that our country every year, about 160,000 14-year-old child died of accidental injuries, deaths of children accounted for 26.1 percent of the total, while the winter and summer vacations for children is the high incidence of accidental injuries, around the total to more than half of the .

. bear the brunt of the accident and medical

. Chen's son in the Tonton football school to school, although only 10 years old, but the extraordinary talent, the coach has also been elected to the school team, and senior students to go to Japan to play games. Chen is also proud of more than a little worried that she often saw on television reported that certain players were injured during the match and even sudden death, two days before the Tonton also listen to the students about a fracture of the accident. Tonton Although not own a big situation, but also continue to hurt small Chen Jie both distressed and afraid.

. compared with adults, the children active and lively, but the lack of self-control, an accident is very high. The use of insurance to increase children's risk planning, parents are duty-bound children can buy accident insurance category, once a child accidents can be a certain level of economic compensation. As the minors with an insurance company in the life insurance death benefits of the total amount of insurance shall not be more than 100,000 yuan, according to the actual situation parents can choose from 2 to 3 were insured. During the summer, the intention during the summer vacation arrangements for the children's summer camp on parents, the short-term travel accident insurance can not be ignored.

. child is not included in the social medical insurance system, a group of people, once the disease, the parents have to bear the emotional and financial double blow ahead of time to buy a medical insurance can provide a temporary relief. As the 0 to 6-year-old child's resistance has not yet forming, a very high rate of hospitalization, insurance reimbursement or allowance type of in-patient medical insurance or necessary.

. In addition, children are now suffering from leukemia, and other malignant diseases on the rise in the number of these seriously ill treatment, the average cost of 80,000 to 100,000 yuan, so the purchase of a significant risk of disease also necessary. Many insurance companies has been developed exclusively to the re-design of children's disease risk insurance, more targeted, in addition to many not suitable for children's functions, reducing the premium, cost-effective.

. Education Fund of choice for the main risk

. daughter to kindergarten on Whole-day nursery, and feel a sigh of relief on the one hand, Chen Li, for the time being to reduce his wife and the two sides, as well as the burden of elders, on the other hand, the high cost of kindergarten but her breath back, I was thinking about future There are nearly 20 years, "Han Chuang" fees, just to let people in transition from the moonlight, she was not a long way to go.

. also means the beginning of the summer to prepare for the next semester of tuition. With the rise of child-year, tuition fees have gone up education funds are put on the agenda of the reserves. Although most families have one child, but the burden on young parents did not alleviate, it was estimated that raising a child from birth to college graduates to be self-reliant, about 40 million of the cost of this education The cost has become the family's financial needs first.

. the current children's insurance market, a larger proportion of the "reserve" insurance is mainly for children's education and the establishment of the marriage, as long as the appropriate premium to pay, we can ensure that children receive at different stages of growth of primary, secondary, University education and entrepreneurship, marriage payment. Focus on return from a 15-year-old beginning to pay until the age of 21 every year according to the insured amount should be carried out starting to pay a certain rate. 15 to 17-year-old Kim is a high school education, 18 to 21 years old, the University is concerned about the gold, and some products in the 25-year-old will return when a marriage payment, or congratulations on achieving King.

. insured children to the step-by-step

. some parents have taken out insurance policies often go wrong in a very small child when on a lot of insurance, so that security on the all-round, but only for the full term at that time, as time and technology development Progress of the disease and protect some of the rate adjustment, there will be some changes possible.

. experts suggest that the average family to the children without insurance in one step, for parents to address the most pressing problems from the beginning, from the most basic protection to start thinking about the accident, followed by protection of major diseases, and education is the gold The nature of the protection of savings products. From a practical needs to consider this, from rates as well. Young parents is not a solid economic foundation, and liabilities such as mortgages are facing the most worried that their children should an accident or major disease when the cost of medical expenses, and household income, reduce the pressure on the mortgage, can be considered repayment of principal type of insurance savings As a child's future education reserves.

. premiums in the planning, the entire family of insurance costs should not exceed 15% of total revenue, with an annual income of 150,000 yuan more than the family, for example, three of the annual premium at around 15,000 yuan, in which children The control premium in 5000 to between 8,000 yuan. Parents to insure children, the main recommendations of experts to consider children's insurance co-existence of dividend-insurance, children in high school and the University of time in accordance with the ratio of the sum insured for the return of the tuition support, security payments in the death of about 50,000 yuan; an additional Children's major diseases, regular insurance, the insured amount in about 50,000 yuan. In addition, children can be re-attached the University of insurance payments, the insured amount should be 20,000 yuan. The main risk is already covered by the protection of the accident, but if the parents wish to be more targeted, but also can be an additional risk of accidental injuries and medical insurance.