어린이보험 리모델링 상담 - 사은품 30세만기 장점 적정금액 자녀 학자금 보험 추천 on Windows Pc

What is child insurance?

``Child insurance is an insurance product that guarantees medical expenses, mainly due to illness and injury, and various liability incurred in your child's daily life until you grow up and become an adult.

Children's insurance not only guarantees medical expenses due to various disasters and diseases, but also compensates for mental damage caused by bullying, school violence, kidnapping, etc.

Necessity of child insurance

​Children who do not know where to stop are more curious than adults, so they have a lot of activity, but their bodies are weak and their attention is weak, and they are easily exposed to various accident risks. However, parents cannot follow and protect them 24 hours a day, so be prepared in advance for any dangers you may not know.

​Children are at high risk of developing various diseases due to weak immunity. Children's cancer, leukemia, etc., which occur frequently in children, require a treatment cost of at least 40 to 50 million won, so the treatment cost is a great burden on households. Therefore, children's insurance is essential for the health of their children and the stability of their home economy.

Child insurance rankings and types

[Check points before joining children's insurance]

1. Products that are comprehensively guaranteed are good.

Children's insurance is a comprehensive insurance policy against illness and accidents. It is advantageous to have products that comprehensively cover risks that often occur to children, such as fractures, diseases, childhood cancer, and multiple children's diseases, rather than guaranteeing death.

2. A product with a large amount of basic treatment coverage, such as hospitalization and surgery, is advantageous.

Children are often hospitalized and operated easily with diseases such as colds, pneumonia, and enteritis. Therefore, children's insurance is advantageous because products with large coverage for basic treatment, such as hospitalization and surgical coverage, can receive many benefits.

​3. Child cancer, leukemia, etc., the amount of cancer covered is large!

If there is childhood cancer or leukemia, the cost of treatment is not enough for 30 to 30 million won. Therefore, it is recommended to select a large product with a guarantee amount of at least 50 million won.

​4.If the difference in insurance premiums is large, it is a pure guarantee type!

The children's insurance currently on sale can be divided into a pure security type and a maturity refund type. The pure security type is not refundable at maturity, but the premium is cheap. Therefore, if the difference between the premium between the pure security type and the maturity refund type is large, it is advantageous to sign up as a pure security type.

5. Utilize the advantages and disadvantages of life insurance companies and non-life insurance companies!

Life insurance companies have the advantage of a longer guarantee period with a flat rate guarantee, and lower premiums than non-life insurance companies, and they can be designed with high guarantees. On the other hand, non-life insurance companies are likely to benefit because they cover the actual cost of treatment. Therefore, it may be better to sign up for a package that takes advantage of the two insurers.

6. It is appropriate for children's insurance coverage until their children are independent.

As mentioned above, children's insurance is comprehensive insurance for children. These comprehensive insurance benefits are provided by the support of parents until their children grow up and become independent, and then they must insure themselves for the future. Therefore, it can be considered that the coverage period for children's insurance is suitable for those around 25 years of age.

7. Use a comparison site before enrolling in child insurance!

Many non-life insurance companies handle child insurance. If you are looking for a product only at a specific insurance company, you may be guided by the advantages of the product and the disadvantages of the product. If you are considering signing up for children's insurance, you can sign up for children's insurance from the standpoint of getting a quote for multiple products in the comparison site direct children's insurance price comparison application and comparing them.

v1.0 신규출시