How much does pediatric social security cost a year

Specific how much to analyze the family's economic situation and demand preferences, and then specific planning.

First of all, look at what risks need to be protected against:

1, accidental risk: according to statistics, accidental injury has become the primary enemy of children aged 0 to 14 years old in our country (falls, drowning, scalding, abrasions, pet injuries, etc.) Therefore, accidental injury insurance is the primary insurance for parents to consider for their children.

2, the risk of minor illnesses: due to children's resistance to weak, poor immunity, the chances of getting sick is high, coupled with misdrinking, misuse of food caused by food poisoning, may cause the child to fall ill and hospitalized. So the disease reimbursement type of insurance should be supplemented.

3, the risk of serious illness: air pollution, water pollution, decoration pollution, food quality and safety issues so that the children are developing the body of the risk of disease continues to increase. Data show that China's annual incidence of pediatric malignant tumors under the age of 15 is 25,000 cases and the incidence rate of 5% per 5 years of the rate of increase; pediatric malignant tumors leukemia, more than 10,000 new cases each year, with the aggravation of environmental pollution, the incidence rate is still increasing every year.

4, education reserves: children's education is a must prepare, but sometimes because of some temporary emergencies such as housing renovation, travel and other reasons for diversion, and then to start saving money again, there is always no way to reach the goal.

5, the parents of the risk: parents for children, is an insurance, parents what happens to the risk, in fact, the biggest impact is still underage children, children who will take care of the problem of emergence. And reserve education, pay premiums are a long-term process, easily ten or twenty years, then the parents risk, then who will give the child to reserve these money need to plan in advance.

6, the inheritance of wealth: parents of the property how safe, tax-free, no disputes left to my child is a problem, how to leave him (her) and to ensure that the child does not spend, but also to ensure the exclusivity of the property (if the child's future marital rupture of the property division of the issue of insurance can be exclusive to the child side, etc.)

According to the above risks, and then sorting out their own needs - what risks are you worried about? Or what risks will affect the family's life, the need to transfer these risks to the insurance company to bear, you can refer to the following questions to sort out the needs:

1, medical problems:

1.1 Once the bump (and other accidental injuries) no reimbursement.

1.2 In case of illness and hospitalization, spend too much money.

1.3 Social security reimbursement is too little, the scope is too small, a lot of do not give the report.

1.4 Now eat, drink and breathe are seriously polluted, worry about major diseases.

2. Family responsibilities:

2.1 If I leave early, what about my children's lives? (Pillar of the family)

2.2 I would like to have a mandatory reserve for my child's education.

3. Asset preservation and inheritance:

3.3 How about leaving my property to my children safely, tax-free and without disputes?

3.4 I want to leave my child a sum of money, but I am afraid that he will spend it recklessly, I want to arrange it in advance (education, marriage, etc.), and the control should be in me.

3.5 I want to leave a sum of money for my child, but it has to be his personal property, and no one can take it away except me and his signature. (Including after starting a family)

After determining the needs, there is still a need to have a design order, in turn, according to the occurrence of risk to the family to bring the degree of trauma, from serious to minor in order to choose the right product:

E.g.: the purchase of bump to reimbursement of accident insurance, must be ranked in the major diseases after the insurance, because the bump occurs after the occurrence of trauma to the family is not big, or we Can also be borne by their own not through insurance, but the major diseases are completely different, once the disease, brought in addition to the economic trauma, there are mental, so protection planning must be according to the severity of the risk in order to choose the product.

Extended reading: insurance how to buy, which is good, hand to teach you to avoid these "pits" of insurance