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當(dāng)前位置: 主頁(yè) > 學(xué)齡前 > 護(hù)理保健 > 小兒保險(xiǎn)有哪些種類？

小兒保險(xiǎn)有哪些種類 買多少最合適？(3)

出處：媽媽育兒網(wǎng)日期：2014-04-14 12:28:53編輯：Chen

4.給孩子投保的金額

國(guó)家為了保障未成年人的利益，兒童以死亡為給付條件的最高投保金額限制在10萬(wàn)元，所以如果你在不同保險(xiǎn)公司投保，要注意總投保金額的限制，因?yàn)橐坏┩侗３^(guò)限額，保險(xiǎn)公司有權(quán)拒賠保費(fèi)。孩子的健康疾病險(xiǎn)，醫(yī)療補(bǔ)償?shù)鹊炔灰运劳鰹榻o付條件的險(xiǎn)種，可以投保超過(guò)這個(gè)限制。

另外有些保險(xiǎn)公司考慮到這個(gè)限制，在條款里規(guī)定如果被保險(xiǎn)人身故給付5倍于投保金額的保險(xiǎn)金。這樣沒(méi)有違反保險(xiǎn)金額限制，也同時(shí)放大了保障功能。這類保險(xiǎn)也可以作為加大保障的考慮。

5.花多少錢給孩子買保險(xiǎn)

總體而言，整個(gè)家庭的保費(fèi)支出應(yīng)該在家庭總收入的10-20%左右。而如前所述，保險(xiǎn)支出中大部分應(yīng)該用來(lái)為家庭經(jīng)濟(jì)支柱投保，而非兒童。所以兒童的保費(fèi)支出盡量不要超過(guò)家庭總收入的10%，同時(shí)要視家長(zhǎng)的收入水平和收入來(lái)源而定。

如果夫妻兩人均有社保和醫(yī)保，但沒(méi)買商業(yè)保險(xiǎn)，收入主要來(lái)源于各自的工作收入，而非投資收益性收入，風(fēng)險(xiǎn)系數(shù)就較大，一旦發(fā)生意外致使身故或失去工作能力，將導(dǎo)致收入中斷，給家庭帶來(lái)巨大損失。

所以，應(yīng)該給自己購(gòu)買意外傷害保險(xiǎn)為家庭提供充足的保障。另外，為了使夫婦退休后享有較高品質(zhì)的生活，還應(yīng)早制訂養(yǎng)老計(jì)劃。醫(yī)療險(xiǎn)可選擇性購(gòu)買重大疾病保險(xiǎn)以解后顧之憂。這樣一來(lái)自己保費(fèi)支出就高了，孩子的保費(fèi)就應(yīng)適當(dāng)減少，并且考慮有“保費(fèi)豁免”條款的保險(xiǎn)。

6.需不需要給孩子買終身的壽險(xiǎn)

為人父母的,為子女購(gòu)買保險(xiǎn)要從子女的教育費(fèi)用和正常生活提供保障的角度出發(fā),不宜大包大攬,連子女成年后的保障也一并考慮。甚至為子女的養(yǎng)老金做打算。子女成年后自然會(huì)有工作和收入,讓他們做出自己的保險(xiǎn)規(guī)劃,這也能樹(shù)立他們的責(zé)任感。父母如果在子女的保險(xiǎn)中投入太多而忽略了自身的保障,是得不償失的。

另外，投保兒童大病險(xiǎn)時(shí)要注意兒童宜發(fā)的疾病，并不保的疾病越多越好的，有些只適用于成人的大病，如果包含在兒童險(xiǎn)里就有可能浪費(fèi)保費(fèi)。

一個(gè)可參考的案例：

李先生，外企的高級(jí)主管，月薪7000元，妻子是一名教師，月薪為3000元，有一個(gè)兒子，今年3歲。夫妻兩人均有社保和醫(yī)保，但沒(méi)買商業(yè)保險(xiǎn)。夫婦的存款也并不多。

專家分析：夫婦收入較高，收入主要來(lái)源于工作，夫婦的保障還不充足，家庭保險(xiǎn)支出的大部分應(yīng)該用于父母的大病醫(yī)療，意外，養(yǎng)老保險(xiǎn)支出。大概每年10000元左右，孩子的保障應(yīng)該充分考慮意外、大病及教育金計(jì)劃。

保險(xiǎn)建議：

1、年繳費(fèi)400元左右的意外險(xiǎn)附加醫(yī)療保障

保險(xiǎn)利益：保額5萬(wàn)，意外死亡或全殘支付保險(xiǎn)金5萬(wàn)，在學(xué)校、托兒所、幼兒園區(qū)內(nèi)；參加學(xué)校、托兒所、幼兒園組織的集體活動(dòng)（包括日常教學(xué)活動(dòng)），或因參加上述活動(dòng)而以乘客身份搭乘公共交通工具或?qū)W校、托兒所、幼兒園指定的交通工具時(shí)遭遇意外，可以獲得10萬(wàn)保額給付。

因意外住院醫(yī)藥費(fèi)報(bào)銷最高 5000元，（免賠額100元）發(fā)生意外傷害每月給付2000元保險(xiǎn)金，（最長(zhǎng)20年），住院每天50元補(bǔ)償。（有免賠天數(shù)）父母如果去世或者傷殘可以豁免保費(fèi)。

2 、年繳費(fèi)不到200元兒童大病險(xiǎn)

保險(xiǎn)利益：在保險(xiǎn)期限內(nèi)（合同生效90天后），如被保險(xiǎn)人不幸罹患下列重大疾病或初次接受下列手術(shù)，即可獲得10萬(wàn)元給付金；癌癥、慢性腎功能衰竭、暴發(fā)性病毒性肝炎、再生障礙性貧血、I型糖尿病失明、主動(dòng)脈外科手術(shù)、重要器官移植手術(shù)、失聰、嚴(yán)重?zé)齻?、?yán)重腸胃炎、癱瘓、良性腦腫瘤、重型腦損傷、細(xì)菌性腦脊髓膜炎、植物人、嚴(yán)重心肌炎

3 、年繳費(fèi)2000元左右教育金保險(xiǎn)，繳費(fèi)到17歲

保險(xiǎn)利益：孩子15-17歲每年得到教育金2000元，18歲-21歲每年得到教育金一萬(wàn)元。

本文由媽媽育兒網(wǎng)（http://15thirdstreetblackrock.com/）小編編輯整理

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