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想少花钱多办事 开学季少儿保险应该怎么选?

2017-09-17 07:36:40   中国经济网

又到开学季。对于家长来说,除了关注孩子的在校生活以及各式补习信息,在新学期为自家宝贝逐步构建稳固的保障体系也同样重要。事实上,随着家长保险意识的提升,孩子成长期的保险保障已经受到了越来越多的重视。不过,部分家长在面临保险选择的时候依旧会有些迷茫,不知道该怎么为自己孩子买最适合的保险组合。

在未成年学生保险配置这件事上,除了必备的学平险之外,一个全面的保障方案应该包含四个方面:重大疾病、意外伤害、医疗、教育。对应的商业保险分别为:重疾险、意外险、医疗险以及教育金。

基础保障:学平险

学平险即“学生平安保险”,是专门为未成年在校学生设计的一种保险,涵盖学生身故、伤残、意外医疗费用补偿及疾病类医疗费用补偿等责任。其保险期限一般为1年,从每年的开学日9月1日起到暑假最后一天8月31日止。也就是说,即使学生在暑假期间发生了意外事故,也能由保险公司进行理赔。

虽说学平险的本质是商业保险,但却带有较强的公益性质,通常只要缴纳几十元的保费,就能获得总计数万元的保额。如果用一句话来概括,就是保费低、保障高。尤其适合还未购买过其他保险的学生,以及经济条件不太宽裕的家庭。

但需要注意的是,学平险只是最为基础的未成年人人身险产品,其保费便宜的同时也存在就医用药范围上较窄、保障额度不足的缺点。以3万元保额的学平险为例,其意外医疗的额度一般只有3000-5000元。如果孩子遭遇较大的意外,特别是重伤、重病或是对高端医疗服务、进口药品需求量较大时,学平险的保障可能就会显得杯水车薪。

全面保障:构筑商业保险组合

除了学平险,家长究竟该如何构筑适合自家宝贝的全面保障呢?业内专家建议,针对未成年学生的全面保障应该包含4个方面:重大疾病、意外伤害、医疗、教育。对应的商业保险分别为:重疾险、意外险、医疗险以及教育金。

重疾险

当前,重大疾病已经开始有低龄和年轻化倾向,比如严重心肌炎、白血病等便是婴幼儿高发疾病,重大疾病花费不菲,少儿重疾险可以弥补孩子因罹患重大疾病给家庭带来的重大经济损失,有效减轻治疗压力,是儿童最应该重视的保险。

考虑到儿童因其年龄小、体质弱的特殊性,重大疾病的保障范围与成年人的保障范围不尽相同。建议在对比同等价位的重疾险时,在保监会规定的25种重疾的基础上,优先选择含有“儿童重大疾病”、“白血病”等特殊保障的产品,以及包含轻度重疾的产品。

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