Operating environment: Lenovo Xiaoxin. win 10
First, what is Xueping Insurance:
The full name of Xueping Insurance is "Ping An Insurance for Primary and Secondary School Students", which belongs to personal accident insurance and is an insurance aimed at the characteristics of primary and secondary school students. Students are often voluntarily insured when they enter school, and the insured can get a number of guarantees including accidental injury, accidental injury medical care and hospitalization medical care by paying a premium of tens of yuan. It is the most extensive and universal insurance for children. Its biggest feature is that the premium is cheap and the scope of protection is wide, which is more suitable for underage students. Generally, all insurance companies have their own academic insurance clauses, and the clauses of each company will have some differences in insurance liability, insurance amount and compensation provisions. What is shown below is just a clause. When applying for insurance, you must also carefully read the insurance clauses of the insured company.
Second, the characteristics of insurance:
The purchase procedure is simple, the price is low, the guarantee is sufficient, and it is safe and secure.
Death insurance: If the insured dies due to an accident or illness insured by accident, the Company will pay the insurance premium according to the agreed insurance amount.
Disability insurance money: The insured suffers from an accidental injury insurance accident, which causes disability within 180 days from the date of accidental injury. Our company will pay the insurance money according to the proportion specified in the Table of Disability Degree and Payment Proportion attached to this contract, multiplied by the agreed insurance amount.
Third, insurance common sense
If you really want to buy some insurance for yourself and your family, I suggest you:
1, first learn and understand some insurance knowledge;
2. Understand the role and significance of insurance;
3. Make clear your demand for insurance;
4. Insure according to your actual needs and economic ability. Really do it: clearly understand consumption and enjoy it in a down-to-earth manner. Otherwise, due to my temporary ignorance, I may get endless troubles in the future.
For adults, you should buy social security before buying insurance, and then you can choose to buy some commercial insurance to supplement it. Because social security is the foundation, and commercial insurance is also an important part of social security. There are some basic principles for buying commercial insurance, such as: adults first, children later; Basic first, then perfect; First near, then far, and so on. It should be very necessary to understand and follow these principles. If you want to know more about insurance, you can go to the insurance website and have a look. Or find a high-quality insurance salesman with a sense of responsibility and proficient business to carry out relevant business consultation.
There are risks everywhere in life. Accidental injuries, health problems and pension problems are the biggest risks that everyone may encounter at any time. Once such risks are encountered, it may directly affect the fate of a person or a family. Therefore, these three risks should be guaranteed by everyone.
To buy insurance for minors, we mainly choose to buy Xueping insurance, accidental injury comprehensive insurance and life-long or regular health insurance in commercial insurance. If your child is too young, some insurance products you want to buy for your child may be restricted by some policy regulations. Therefore, you can buy less health insurance for your child first, and if possible, you can attach a hospitalization allowance insurance or hospitalization medical insurance.
In addition, you can also consider buying a child hospitalization mutual aid fund (about 40-50 yuan/share/year) at the social security bureau or the street office, so that the child's medical insurance protection will be improved. When the child is a little older, buy him some insurance that suits his needs.