After the Lunar New Year, parents have to start to relax and go to work, and the children’s winter vacation is also counting down. After the children start school, whether it is traffic, environmental viruses, or contact with classmates, there will be many risks. Global Life recommends that parents can take this opportunity to arrange medical insurance for the students at home according to the three stages of their children’s schooling , If you have spare time, you can also prepare education funds for your children as early as possible.
According to the National Statistical Bulletin issued by the Accounting and General Office of the Executive Yuan, the main causes of child accident injuries in the Republic of China in 109 include accidental breathing threats, transportation accidents, accidental drowning or submersion, exposure to smoke, fire and flames, and falls or falls. Accidents may cause accidental injuries such as broken bones or burns; and children also need to adapt to the coexistence of new coronary pneumonia and various viruses after school starts. Therefore, Global Life recommends that, in terms of medical security, parents can deploy the insurance plans required by their children according to the risks of their children’s three stages of schooling, and gradually build a more complete medical security.
Kindergarten period: fixed benefit medical insurance and out-of-pocket medical insurance are indispensable
In the kindergarten stage, children may be vulnerable to external environmental infections due to their weak resistance to viruses and bacteria. When the situation is serious, they may need to be hospitalized; at the same time, parents may also need to take leave to take care of their babies during the hospitalization period. Therefore, Global Life recommends that parents can choose to provide out-of-pocket medical insurance to cover their own expenses, as well as fixed-pay medical insurance that can be used to fill the shortfall of parents’ income during leave, which is an indispensable medical protection for the babies in the family. umbrella.
Elementary school period: Supplementary injury insurance and injury medical insurance
Children who are usually in elementary school are relatively lively and active. If the child has purchased fixed-pay medical insurance and out-of-pocket medical insurance, parents can help the child strengthen the protection of injury insurance and injury medical insurance. Taking injury medical insurance as an example, it can mainly cover outpatient or inpatient medical expenses for injuries caused by accidents, such as common accidents such as falls and fractures in children.
Middle school and college period: cancer insurance and major injury insurance
Cancer still ranks first in the top ten causes of death, and the age of cancer is getting younger and younger. However, thanks to the advancement of medical technology, many cancers can be well controlled if they are detected early. Therefore, planning cancer insurance can help children pass on the high cost of treatment in case of cancer, such as cancer hospitalization, drugs or new treatment methods. The major injury insurance, in addition to providing benefits for cancer, also includes severe burns, major trauma, systemic autoimmune syndrome, etc. The huge medical expenses required for injuries and illnesses also reduce the burden on parents.
Have room to start accumulating education funds early: After the U.S. dollar interest rate variable life insurance has fully deployed the child’s medical insurance, parents who still have enough money, Global Life also recommends that they can start accumulating children’s education funds as early as possible. Because children’s education expenses need long-term planning, and for future overseas study plans, it is recommended to choose U.S. dollar interest rate variable life insurance first, taking advantage of the higher predetermined interest rate advantage of U.S. dollar products compared to Taiwan dollar products, and the announcement of interest rate variable life insurance The interest rate mechanism, in terms of the growth of the policy value reserve, will be more sensitive than non-interest rate-changing commodities or NT dollar commodities. In addition, when planning, it is also recommended to add an additional premium exemption rider. If the parents of the proposer unfortunately suffer from a level 1-8 disability, they can be exempted from paying future renewal insurance premiums, and the insurance company will pay the premiums on behalf of the applicant. The value of the insurance policy can continue to increase, and you can lay a solid foundation for your child’s future with peace of mind.
