购买儿童险，这几点要弄清！

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2018-10-22 22:43:26 来自保险规划来自PC [ 复制链接 ]

现在的孩子都是父母的心肝宝贝，如果有能力，都希望将世界上最好的东西给孩子。<div><br></div><div>随着保险意识的普及，不少家庭开始重视购买保险，尤其是孩子出生后，迫不及待给孩子购买保险了。</div><div><br></div><div>有保险意识，固然是一件好事！但是对于儿童险你真的了解吗？购买和中保险，你考虑过轻重缓急吗？</div><div><br></div><div><img class="imgs" src="http://bbsimg.cardniu.com/data/attachment/forum/201810/ba79a86eb77114bd628933.jpeg" img_width="638" img_height="381"><br></div><div><br></div><div>购买儿童险前，我们要考虑以下几点：</div><div><br></div><div>1.重大人，轻小孩</div><div><br></div><div>相比而言，孩子生重病的几率高，还是大人的几率高呢？</div><div><br></div><div>有研究显示，成人重疾的风险更高，所以从保险角度来看，更应该优先购买成人保险。</div><div><br></div><div>此外，成人是家庭的经济支柱。万一大人倒下来了，孩子购买再多的保险也无法在保险这里获得帮助。</div><div><br></div><div>2.返还型or消费型</div><div><br></div><div><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;">1）返还型重疾险产品。</p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;"><span style=" box-sizing: border-box; word-wrap: break-word !important; "><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;"><span style=" box-sizing: border-box; word-wrap: break-word !important; ">保费较高，但有储蓄功能，适合没有储蓄习惯和储蓄计划的家庭。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;"><span style=" box-sizing: border-box; word-wrap: break-word !important; "><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;"><span style=" box-sizing: border-box; word-wrap: break-word !important; ">对于没有财务管理习惯的月光族来说，购买返还型的重疾险产品可以在保障的同时，积累一部分财富，用以后续的开支，确实是不错的选择。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;"><span style=" box-sizing: border-box; word-wrap: break-word !important; "><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;"><span style=" box-sizing: border-box; word-wrap: break-word !important; ">即使对于有理财行为的家庭，购买返还型产品，也是一种资产配置的有益补充。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;"><br style=" box-sizing: border-box; word-wrap: break-word !important;"></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;">2）消费型重疾或其他医疗保险产品。</p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;"><span style=" box-sizing: border-box; word-wrap: break-word !important; "><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;"><span style=" box-sizing: border-box; word-wrap: break-word !important; ">保费较低，但未出险则保费视为消费开支，适合有储蓄习惯和理财规划的家庭。</span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;"><span style=" box-sizing: border-box; word-wrap: break-word !important; "><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;">对于消费型重疾险产品来说，对重大疾病的保障是产品唯一的意义。如果有一定的储蓄规划，建议选购此类产品，用以在风险发生率一般的时候为自己提供保障，等到年龄较高，风险发生率过大产生保费倒挂的时候，即可用自己的积蓄提供自保了。</p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;"><br style=" box-sizing: border-box; word-wrap: break-word !important;"></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;">购买保险，我们首先考虑的是保障功能。如果经济条件一般的，直接购买消费型保险产品，是最直接的。</p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;"><br></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;">3.轻重疾，重医疗。</p><p style="word-wrap: break-word; Microsoft Yahei"; "><br style="box-sizing: border-box; word-wrap: break-word !important;"></p><p style="word-wrap: break-word; Microsoft Yahei"; ">但相对于成人来说，儿童对于普通疾病可能产生的医疗费用，反而可能更高，比如简单的感冒或者肺炎、骨折之类，而这些并不属于重疾险理赔范畴，孩子一旦住院，往往费用不低，<span style="box-sizing: border-box; letter-spacing: 0px; word-wrap: break-word !important;">因此，对医疗费用的补充保障对儿童更为重要。</span><br></p><p style="word-wrap: break-word; Microsoft Yahei"; "><span style="box-sizing: border-box; letter-spacing: 0px; word-wrap: break-word !important;"><br style="box-sizing: border-box; word-wrap: break-word !important;"></span></p><p style="word-wrap: break-word; Microsoft Yahei"; "><span style="box-sizing: border-box; word-wrap: break-word !important;">目前市场上重疾险附加的住院医疗或者单独售卖的百万医疗产品可以对儿童疾病风险形成更好的补充保障，所以在为儿童购买重疾险时，建议附加医疗费用的保障。</span></p><p style="word-wrap: break-word; Microsoft Yahei"; "><span style="box-sizing: border-box; word-wrap: break-word !important;"><br></span></p><p style=" Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; widows: 1; word-wrap: break-word !important;">到底应该购买怎样的儿童险？每个家庭的习惯和规划不同，我们不能千篇一律去购买同一个产品。但购买保险前，一定要先搞清楚你需要什么保障需求哦。</p></div><div><br></div><div><br></div>