How to insure a child?

Children - the most precious things in life caring parents. The younger generation needs constant attention and care. Ensure the financial security of the child will allow insurance. If your child only came to light, then no harm will purchase medical insurance policy. Its possession will receive quality medical care in private clinics, as well as the document may be provided for paid visits to the doctor's house. The cost of such insurance varies from several tens of thousands of rubles per year. A new period of risk associated with the child enters school. Even the most caring teachers are not able to track all students. It often takes an injury associated with the jumps during active play, physical training, fights as a result of conflict or fractures when accidentally dropped. Traumatic increases significantly during summer and winter school vacations, when the activity exceeds the limit of children: they go to the rink, into the woods to the water bodies. To insure against such risks - get a policy from an accident. For example, if insurance is 100 thousand rubles., The policy in one of the well-known companies will cost 1,8 thousand rubles. per year. For sighted parents provided a cumulative life insurance. This product incorporates elements of insurance and saving money. Typically, these contracts are long-term from 5 to 25 years. During this period, made regular payments to the insurer. Money is paid in two cases. Firstly, when the child reaches a certain age (this may be age or approximate year of entry to college). Secondly, the insurance case involving medical treatment or other troubles. The cost of the insurance policy is not fixed and depends only on your financial capabilities. Provided for the opposite option - insurance for the benefit of parents of children. Insurance payment is a child in the event of the death of his parents, losing their ability to work or reach a certain age. In the above two kinds of accumulated amount invested, and constantly increases due to earned income. In addition, any citizen of Russia, participates in a program of compulsory health insurance. This means that once the baby is born, he must obtain a special medical insurance policy that guarantees free to qualified assistance in any municipal / public health institutions. It is also worth remembering that this assistance is limited to a special list, and the service is far from the mark.