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如何购买少儿保险全面解析

发布日期:2024-07-25 14:28:08编辑:网络收集

一个孩子的出生承载了每个家庭的希望。从他呱呱坠地的那一刻起,老母亲们就开始了九九八十一难的升级打怪之路。我们打起了十二万分的精神,想要给自己的宝宝营造世界上最安全的成长环境,盼望他能远离一切疾病与风险......

如何才能全方位无死角的保障孩子的健康成长?或许保险最能告诉我们答案。

各位宝妈,现在我做一个全面解析,希望能帮到有需要的宝妈更好的了解该给宝宝买那些保险。

一、都可以从哪里买保险?

1.保险公司代理人优势:多数是我们身边的亲戚朋友或者朋友的亲戚朋友,我们看得见摸得着,具有天然的信任感。劣势:多数代理人只能销售自家保险公司的产品,而没有哪一家保险公司能做到在意外险、医疗险、重疾险、寿险、理财险都性价比十分突出,这就导致其配置的保险组合性价比较低甚至很低。

2.保险经纪公司经纪人优势:可以销售多家保险公司的产品,能为消费者量身打造符合其需求的高性价比组合;保险不是一件一劳永逸的事情,投保人的需求也在不但变化,能在保障期间根据客户需求调整保障方案;会协助投保人理赔处理,在出现理赔纠纷时更有强大的理赔团队介入。保险经纪公司是专门从事保险销售的第三方平台,卖的就是服务、口碑,消费者体验不好也就意味着它的灭亡。我个人认为保险经纪人是趋势,现在不错的保险经纪公司有明亚、大童等,我是明亚一员。

3.互联网购买优势:保险性价比较高,购买灵活。劣势:保险条款繁多,注意事项巨多,需要自己研究购买,很难做到买的明白;万一出现理赔纠纷,独自面对强大的保险公司,弱小无助。

5.电话主要涉及车险。银行主要涉及理财险,这里就不一一阐述了。

二、宝宝面临哪些风险?

1、意外伤害风险

对于新生儿来说,家,是他们从妈妈肚子里出来后,待得时间最久的地方。宝宝们在家里学会坐、爬、站、走,学会度过人生中最开始的一段漫长岁月。相较于已经能跑会跳的孩子来说,整天待在家里的新生儿面临意外伤害的风险要小的多,但父母们也不能掉以轻心。因为有些时候,家也可能会成为最危险的地方。

2、生病住院风险

在疾病面前,宝宝是最渺小脆弱的。他们的免疫系统尚未发育成熟,从母体带来的抗体在6个月月龄时就几乎消失殆尽了,正好处于免疫力空窗期。一般来说,从6月龄起到2岁,是宝宝免疫力最为低下的时期,也是最容易感染疾病的时期。

一场小感冒,可能就会引发宝宝的支气管炎、肺炎等疾病。

3.灾难性医疗支出

新生儿肺炎的治疗费用虽高,但对绝大多数家庭来说,都是可以负担得起的。而有一类疾病的治疗费用,即便是一个有着稳定收入和积蓄的中产家庭,也有可能会面临捉襟见肘的困境,这就是灾难性医疗支出。通常来说,当一个家庭需要自付的医疗费达到可支付能力的40%时,就认为这个家发生了灾难性的医疗支出。拿我们熟悉的白血病为例,在儿童癌症发病率排行榜中,白血病高居榜首。

4.成长期教育支出

在有了孩子的那一刻起,未来的教育费用就成了父母们不得不考虑的大问题。日常的各种辅导班、培训班等支出必不可少;如果孩子今后有出国留学的打算,还需要再准备一笔几十万,甚至上百万的资金。这些资金从何而来?完全依赖于父母的资金储备和规划。如果在孩子的成长过程中,父母没有提前把这部分资金规划好,一旦家里出现了变故,比如父母一方失业或者生病,就很有可能导致孩子的教育受到重大影响。

三、宝宝该买哪些保险?

ok,了解完新生儿常见的风险,父母们就可以给自己的孩子针对性的配置保险了。那么,新生儿保险到底买什么好呢?我的建议是:先买少儿医保,再买商业保险。其中商业保险建议考虑医疗险、重疾险、意外险及教育金。

1.少儿医保

少儿医保是国家给我们的福利,作为基础保障来说,这也是必不可少的。而且,少儿医保一年只需缴费一百多,就能报销50%-70%的医疗费用,必须给孩子安排上!另外,少儿医保对新生儿的健康要求不高,一些由于健康原因无法购买商业保险的新生儿,也可以考虑投保少儿医保。

2.意外险

宝宝发生意外的情况在所难免,所以意外险也是刚需。而且意外险杠杆极高,一年只需几十块,就能给孩子的健康成长加码。给孩子购买意外险,有两点需要侧重:1意外医疗孩子发生意外受伤害的几率很高,去医院是常有的事,所以意外医疗的额度一定要高;免赔额和报销比例能报销多少钱,除了医疗额度外,更重要的是免赔额和报销比例。因此,选择免赔额少、报销比例高(最好是100%报销)的产品对孩子更加有利。

3.医疗险

少儿医保性价比虽高,但也存在一定的局限性。比如医保对于报销额度、比例和用药范围要求较多,不能报销的部分,还是需要自己承担。因此,在有少儿医保的情况下,购买一份新生儿医疗保险也是很有必要的。碗妹建议优先考虑《百万医疗险》,一般保额都在几百万起步,可以用来解决看不起大病的问题。但是,对于新生儿来说,购买百万医疗险可能会稍贵,因为儿童特定疾病在五岁之前的发病率都很高,所以一般的百万医疗险,在孩子五岁之后买也会便宜很多。如果配置完百万医疗后还有预算,大家也可以根据孩子的需求考虑门诊险、小额医疗险这类产品,一般保额、免赔额都比较低,孩子日常门诊、住院都有机会用到。除此之外,如果不考虑预算,又想给孩子最好的就医环境和体验,那么也可以直接选择《高端医疗险》。但是,市面上的大部分高端医疗险宝宝是不能单独投保的,必须由一位大人带着一起投保,因此,可以考虑由妈妈+宝宝一起投保亲子计划,享受最充分的保障。

4.重疾险

孩子患上重疾时,不仅治疗难度大,治疗费用也是极其昂贵。此外,往往还需要父母中一方辞职照顾孩子,会在较长一段时间内影响整个家庭的收入水平。因此重疾险也不可或缺。只要达到理赔标准,就能赔几十万。这笔钱可以用来治疗、请护工,也可以去更好的医院,买最先进的药,享受最佳的治疗体验。在给孩子配置重疾险时,建议优先考虑包含儿童高发疾病的少儿重疾险。

如果预算有限,可以买一份保障10年、20年的定期重疾险,等孩子成年后,再配置更适合他的成人重疾。如果预算充足,也可以直接给孩子投保终身重疾,避免在小时候罹患重疾,长大后很难再投保的情况。

5教育金

医疗、重疾、意外这三大基础险种买完之后,如果还有能力,就可以给孩子配置教育金了。教育金的选购涉及到系统性的资金规划,可以用年金以及其他带有长期储蓄性质的保险工具来解决。

四、特别说明

1.不建议给小孩购买寿险

2.返还型保险不要轻易下手,一定要弄明白了。销售人员所说的要落实到合同条款上。

3.打包组合的“全能保”注意了,性价比较低。

4.很多保险代理人会拿保险公司“大小”说事,注意我国的《保险法》对保险公司是有约束的,不用担心保险公司倒闭问题。

总结:孩子保险配置顺序少儿医保-医疗险-意外险-重疾险-教育年金险。不要买寿险,返还型保险要瞪大眼睛。最后,父母才是孩子最大的保障,祝天下父母健康顺遂。

 
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