小孩消费型保险

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。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             

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。