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如何購買少兒保險全面解析

出處:@趙丁慶聊軍事日期:2024-07-25 14:28:08編輯:網(wǎng)絡(luò)收集

一個孩子的出生承載了每個家庭的希望。從他呱呱墜地的那一刻起,老母親們就開始了九九八十一難的升級打怪之路。我們打起了十二萬分的精神,想要給自己的寶寶營造世界上最安全的成長環(huán)境,盼望他能遠(yuǎn)離一切疾病與風(fēng)險......

如何才能全方位無死角的保障孩子的健康成長?或許保險最能告訴我們答案。

各位寶媽,現(xiàn)在我做一個全面解析,希望能幫到有需要的寶媽更好的了解該給寶寶買那些保險。

一、都可以從哪里買保險?

1.保險公司代理人優(yōu)勢:多數(shù)是我們身邊的親戚朋友或者朋友的親戚朋友,我們看得見摸得著,具有天然的信任感。劣勢:多數(shù)代理人只能銷售自家保險公司的產(chǎn)品,而沒有哪一家保險公司能做到在意外險、醫(yī)療險、重疾險、壽險、理財險都性價比十分突出,這就導(dǎo)致其配置的保險組合性價比較低甚至很低。

2.保險經(jīng)紀(jì)公司經(jīng)紀(jì)人優(yōu)勢:可以銷售多家保險公司的產(chǎn)品,能為消費者量身打造符合其需求的高性價比組合;保險不是一件一勞永逸的事情,投保人的需求也在不但變化,能在保障期間根據(jù)客戶需求調(diào)整保障方案;會協(xié)助投保人理賠處理,在出現(xiàn)理賠糾紛時更有強(qiáng)大的理賠團(tuán)隊介入。保險經(jīng)紀(jì)公司是專門從事保險銷售的第三方平臺,賣的就是服務(wù)、口碑,消費者體驗不好也就意味著它的滅亡。我個人認(rèn)為保險經(jīng)紀(jì)人是趨勢,現(xiàn)在不錯的保險經(jīng)紀(jì)公司有明亞、大童等,我是明亞一員。

3.互聯(lián)網(wǎng)購買優(yōu)勢:保險性價比較高,購買靈活。劣勢:保險條款繁多,注意事項巨多,需要自己研究購買,很難做到買的明白;萬一出現(xiàn)理賠糾紛,獨自面對強(qiáng)大的保險公司,弱小無助。

5.電話主要涉及車險。銀行主要涉及理財險,這里就不一一闡述了。

二、寶寶面臨哪些風(fēng)險?

1、意外傷害風(fēng)險

對于新生兒來說,家,是他們從媽媽肚子里出來后,待得時間最久的地方。寶寶們在家里學(xué)會坐、爬、站、走,學(xué)會度過人生中最開始的一段漫長歲月。相較于已經(jīng)能跑會跳的孩子來說,整天待在家里的新生兒面臨意外傷害的風(fēng)險要小的多,但父母們也不能掉以輕心。因為有些時候,家也可能會成為最危險的地方。

2、生病住院風(fēng)險

在疾病面前,寶寶是最渺小脆弱的。他們的免疫系統(tǒng)尚未發(fā)育成熟,從母體帶來的抗體在6個月月齡時就幾乎消失殆盡了,正好處于免疫力空窗期。一般來說,從6月齡起到2歲,是寶寶免疫力最為低下的時期,也是最容易感染疾病的時期。

一場小感冒,可能就會引發(fā)寶寶的支氣管炎、肺炎等疾病。

3.災(zāi)難性醫(yī)療支出

新生兒肺炎的治療費用雖高,但對絕大多數(shù)家庭來說,都是可以負(fù)擔(dān)得起的。而有一類疾病的治療費用,即便是一個有著穩(wěn)定收入和積蓄的中產(chǎn)家庭,也有可能會面臨捉襟見肘的困境,這就是災(zāi)難性醫(yī)療支出。通常來說,當(dāng)一個家庭需要自付的醫(yī)療費達(dá)到可支付能力的40%時,就認(rèn)為這個家發(fā)生了災(zāi)難性的醫(yī)療支出。拿我們熟悉的白血病為例,在兒童癌癥發(fā)病率排行榜中,白血病高居榜首。

4.成長期教育支出

在有了孩子的那一刻起,未來的教育費用就成了父母們不得不考慮的大問題。日常的各種輔導(dǎo)班、培訓(xùn)班等支出必不可少;如果孩子今后有出國留學(xué)的打算,還需要再準(zhǔn)備一筆幾十萬,甚至上百萬的資金。這些資金從何而來?完全依賴于父母的資金儲備和規(guī)劃。如果在孩子的成長過程中,父母沒有提前把這部分資金規(guī)劃好,一旦家里出現(xiàn)了變故,比如父母一方失業(yè)或者生病,就很有可能導(dǎo)致孩子的教育受到重大影響。

三、寶寶該買哪些保險?

ok,了解完新生兒常見的風(fēng)險,父母們就可以給自己的孩子針對性的配置保險了。那么,新生兒保險到底買什么好呢?我的建議是:先買少兒醫(yī)保,再買商業(yè)保險。其中商業(yè)保險建議考慮醫(yī)療險、重疾險、意外險及教育金。

1.少兒醫(yī)保

少兒醫(yī)保是國家給我們的福利,作為基礎(chǔ)保障來說,這也是必不可少的。而且,少兒醫(yī)保一年只需繳費一百多,就能報銷50%-70%的醫(yī)療費用,必須給孩子安排上!另外,少兒醫(yī)保對新生兒的健康要求不高,一些由于健康原因無法購買商業(yè)保險的新生兒,也可以考慮投保少兒醫(yī)保。

2.意外險

寶寶發(fā)生意外的情況在所難免,所以意外險也是剛需。而且意外險杠桿極高,一年只需幾十塊,就能給孩子的健康成長加碼。給孩子購買意外險,有兩點需要側(cè)重:1意外醫(yī)療孩子發(fā)生意外受傷害的幾率很高,去醫(yī)院是常有的事,所以意外醫(yī)療的額度一定要高;免賠額和報銷比例能報銷多少錢,除了醫(yī)療額度外,更重要的是免賠額和報銷比例。因此,選擇免賠額少、報銷比例高(最好是100%報銷)的產(chǎn)品對孩子更加有利。

3.醫(yī)療險

少兒醫(yī)保性價比雖高,但也存在一定的局限性。比如醫(yī)保對于報銷額度、比例和用藥范圍要求較多,不能報銷的部分,還是需要自己承擔(dān)。因此,在有少兒醫(yī)保的情況下,購買一份新生兒醫(yī)療保險也是很有必要的。碗妹建議優(yōu)先考慮《百萬醫(yī)療險》,一般保額都在幾百萬起步,可以用來解決看不起大病的問題。但是,對于新生兒來說,購買百萬醫(yī)療險可能會稍貴,因為兒童特定疾病在五歲之前的發(fā)病率都很高,所以一般的百萬醫(yī)療險,在孩子五歲之后買也會便宜很多。如果配置完百萬醫(yī)療后還有預(yù)算,大家也可以根據(jù)孩子的需求考慮門診險、小額醫(yī)療險這類產(chǎn)品,一般保額、免賠額都比較低,孩子日常門診、住院都有機(jī)會用到。除此之外,如果不考慮預(yù)算,又想給孩子最好的就醫(yī)環(huán)境和體驗,那么也可以直接選擇《高端醫(yī)療險》。但是,市面上的大部分高端醫(yī)療險寶寶是不能單獨投保的,必須由一位大人帶著一起投保,因此,可以考慮由媽媽+寶寶一起投保親子計劃,享受最充分的保障。

4.重疾險

孩子患上重疾時,不僅治療難度大,治療費用也是極其昂貴。此外,往往還需要父母中一方辭職照顧孩子,會在較長一段時間內(nèi)影響整個家庭的收入水平。因此重疾險也不可或缺。只要達(dá)到理賠標(biāo)準(zhǔn),就能賠幾十萬。這筆錢可以用來治療、請護(hù)工,也可以去更好的醫(yī)院,買最先進(jìn)的藥,享受最佳的治療體驗。在給孩子配置重疾險時,建議優(yōu)先考慮包含兒童高發(fā)疾病的少兒重疾險。

如果預(yù)算有限,可以買一份保障10年、20年的定期重疾險,等孩子成年后,再配置更適合他的成人重疾。如果預(yù)算充足,也可以直接給孩子投保終身重疾,避免在小時候罹患重疾,長大后很難再投保的情況。

5教育金

醫(yī)療、重疾、意外這三大基礎(chǔ)險種買完之后,如果還有能力,就可以給孩子配置教育金了。教育金的選購涉及到系統(tǒng)性的資金規(guī)劃,可以用年金以及其他帶有長期儲蓄性質(zhì)的保險工具來解決。

四、特別說明

1.不建議給小孩購買壽險

2.返還型保險不要輕易下手,一定要弄明白了。銷售人員所說的要落實到合同條款上。

3.打包組合的“全能保”注意了,性價比較低。

4.很多保險代理人會拿保險公司“大小”說事,注意我國的《保險法》對保險公司是有約束的,不用擔(dān)心保險公司倒閉問題。

總結(jié):孩子保險配置順序少兒醫(yī)保-醫(yī)療險-意外險-重疾險-教育年金險。不要買壽險,返還型保險要瞪大眼睛。最后,父母才是孩子最大的保障,祝天下父母健康順?biāo)臁?/p>

 

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