What is Child Life Insurance?

Children's insurance, also called children's insurance and children's insurance, is specially designed for young children to solve the education, entrepreneurship, marriage expenses and other risks that children may face such as illness, disability, and death. Insurance products.

Child insurance

To avoid

Children's insurance is mainly divided into educational children's insurance and guaranteed children's insurance.

Children

Baby or

Misunderstanding one: buy insurance for children first, adults do not worry

Many parents think that their children are weak and need more protection, so they also give priority to insurance for their children, but ignore adults. This is the most serious misunderstanding.

Adults are the backbone of the family's economy and the best "protection umbrella" for children. If you only buy insurance for your children, but the adults do not buy it, then the insurance company will not lose a penny when the adult has an accident, and the family is likely to be in trouble because of this, and the children's future education will not be guaranteed. Therefore, we believe that adults should first insure themselves before insuring their children.

Misunderstanding 2: Education is not important but security

Many parents spend a lot of money buying for their children

I. The insured suffered an accidental injury and died within 180 days of the accidental injury due to the accidental injury.

If one of the following circumstances causes the death, disability or burn of the insured, the company shall not be liable for the payment of insurance benefits:

I. It is specifically stipulated in the insurance policy that the company does not assume insurance liability;

2. The policyholder's intentional killing or intentional injury to the insured;

3. The insured person intentionally commits a crime or resists the criminal coercive measures adopted in accordance with the law;

4. The insured person commits suicide or intentional self-injury, except when the insured person commits suicide or intentional self-injury who is incapable of civil conduct;

5. The insured fights, is drunk, takes, ingests or injects drugs;

6. The insured is driving under the influence of alcohol, driving without a valid and valid driving license, or driving a motor vehicle without a valid driving license;

7. The insured person took, smeared or injected drugs without permission in accordance with the doctor's order;

8. The insured person participates in high-risk sports such as diving, skydiving, rock climbing, paraglider or paragliding, adventure, wrestling, martial arts competitions, stunt performances, horse racing, and racing;

9. Prenatal and postnatal examinations of the insured, pregnancy (including ectopic pregnancy), abortion (including abortion), childbirth (including caesarean section), contraception, sterilization, treatment of infertility and complications caused by the above reasons