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小孩消费型保险

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小孩消费型保险

小孩消费型保险就是只有保障到期不出险不会返还保费的险种产品,保障时间有短期的(1年)和保障一段时间的(如5年、10年、20年等等),常见的险种四意外险重疾险医疗险

小孩消费型保险有必要买吗

小孩消费型保险具有保费低廉(一般一百多元、几百元可买一份保障一年的)、保障高、保额高(保额高达几十万、上百万的)的优势。对于家庭的经济情况比较一般的人士来说给孩子选择消费型的保险来提供保障是很有必要的。而家庭经济好的人士可以给孩子选择储蓄型保险的基础上附加消费型保险来增加保障和保额也是很不错的,这样保费比较低点,但是能够获得更高的保额。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             

小孩消费型保险保额该买多少的

对于“小孩消费型保险保额该买多少的”这个问题,要看实际情况:

若是给孩子配置意外险的话,未满18周岁的孩子意外身故的保额不要高于50万元,因为保监会有规定高于50万元的部分即使交费了也是无效的。一定要买有意外医疗保障的产品,因为意外医疗是使用频率最高的,保额不要少于10万元;

若是给孩子配置重疾险的话,一定要选择对白血病等儿童特定重疾承担责任的产品,轻症豁免要注意,保额最好不要低于30万元,以免要用的时候不够用。

综上所述,给孩子选择消费型保险也是很有必要的,毕竟能提供的保障高,保额的多寡合适要看买的是哪一类型的产品来确定。