Since children have weak immunity and do not know when and where they will jump, it is important to meticulously sign up for insurance.
In the case of children's insurance, it has the characteristics of a comprehensive insurance that can prepare various guarantees at once, so if you compare and prepare only the guarantees meticulously, you can be assured of illness and injury.
[Checklist before subscribing to child insurance]
1. A product that provides a comprehensive guarantee is good.
Children's insurance is a good insurance that comprehensively covers diseases and accidents. In practice, rather than guaranteeing death, a product that comprehensively guarantees risks that can occur frequently in children, such as fractures, diseases, childhood cancer, and multiple diseases in children, is more advantageous.
2. Products with a large amount of guarantee for basic treatment such as hospitalization and surgery are advantageous.
Children are often hospitalized and operated for diseases such as colds, pneumonia, and enteritis. Therefore, children's insurance is advantageous because products with a large amount of basic treatment coverage, such as hospitalization and surgery coverage, can receive a lot of benefits.
3. The insurance amount for cancer such as children's pediatric cancer and leukemia is large!
If you have childhood cancer or leukemia, 20 to 30 million won is not enough for treatment costs. Therefore, it is recommended to choose a large product with a guaranteed amount of at least 50 million won.
4. If the difference in insurance premium is large, pure guarantee type!
Children's insurance currently being sold can be divided into a pure guarantee type and a maturity refund type. The pure guarantee type is not refundable at maturity, but the insurance premium is cheap. Therefore, if the difference in premium between the pure protection type and the maturity refund type is large, it is advantageous to subscribe to the pure protection type.
5. Utilize the strengths and weaknesses of life insurance companies and non-life insurance companies!
Life insurers have the advantage of having a long guaranteed period with a flat-rate guarantee and lower premiums than non-life insurance companies, and it is possible to design high-amount protection. On the other hand, non-life insurance companies cover actual treatment costs, so you are likely to benefit. Therefore, it may be better to sign up for a package product that takes advantage of the advantages of both insurance companies.
In the case of children's insurance, it has the characteristics of a comprehensive insurance that can prepare various guarantees at once, so if you compare and prepare only the guarantees meticulously, you can be assured of illness and injury.
[Checklist before subscribing to child insurance]
1. A product that provides a comprehensive guarantee is good.
Children's insurance is a good insurance that comprehensively covers diseases and accidents. In practice, rather than guaranteeing death, a product that comprehensively guarantees risks that can occur frequently in children, such as fractures, diseases, childhood cancer, and multiple diseases in children, is more advantageous.
2. Products with a large amount of guarantee for basic treatment such as hospitalization and surgery are advantageous.
Children are often hospitalized and operated for diseases such as colds, pneumonia, and enteritis. Therefore, children's insurance is advantageous because products with a large amount of basic treatment coverage, such as hospitalization and surgery coverage, can receive a lot of benefits.
3. The insurance amount for cancer such as children's pediatric cancer and leukemia is large!
If you have childhood cancer or leukemia, 20 to 30 million won is not enough for treatment costs. Therefore, it is recommended to choose a large product with a guaranteed amount of at least 50 million won.
4. If the difference in insurance premium is large, pure guarantee type!
Children's insurance currently being sold can be divided into a pure guarantee type and a maturity refund type. The pure guarantee type is not refundable at maturity, but the insurance premium is cheap. Therefore, if the difference in premium between the pure protection type and the maturity refund type is large, it is advantageous to subscribe to the pure protection type.
5. Utilize the strengths and weaknesses of life insurance companies and non-life insurance companies!
Life insurers have the advantage of having a long guaranteed period with a flat-rate guarantee and lower premiums than non-life insurance companies, and it is possible to design high-amount protection. On the other hand, non-life insurance companies cover actual treatment costs, so you are likely to benefit. Therefore, it may be better to sign up for a package product that takes advantage of the advantages of both insurance companies.
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