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父母为孩子购买保险时,应先考虑意外险、医疗险、重大疾病险等保障型产品,在此基础之上,再考虑购买教育类和投资类保险。为孩子购买保险,应如何购买呢?专家表示,家长应遵守“量力而为,顾近舍远”的原则,首先考虑意外险、医疗险等保障型产品。究其原因是因为孩子淘气,自我保护意识不强,出现意外情况概率较高,同时,由于年龄小,抵抗力弱,生病住院是常事儿。
When parents purchase insurance for their children, they should first consider such insurance products as accident insurance, medical insurance and major disease insurance, and on this basis, consider purchasing education and investment insurance. For children to buy insurance, how to buy it? Experts said that parents should abide by the principle of “due diligence, taking care of far and near”, the first consideration of accident insurance, medical insurance and other security products. The reason is because children naughty, self-protection awareness is not strong, there is a higher probability of unexpected situations, at the same time, due to age, weak resistance, sick hospital is a common occurrence.