Growing up, little man, and does not think that mum and dad tear away every year a certain amount. But when the time comes, he will tell them thanks for what can this money to play, for example, a wedding or to pay for his studies at the university. In Russia, many also began to understand what is right and good business - to be able to look forward. Insurance companies are three types of children's insurance: Cumulative, risky and voluntary medical insurance (VMI). Programs funded insurance can guarantee your child's financial well-being regardless of life upheavals in the family. The essence of this policy is as follows: the parent determines the amount to which the child will need at some point in his life, pays the premiums, and upon the expiration of the contract the child receives the amount of accumulated funds. This money can be spent on anything: a wedding, buying an apartment, tuition at the university, or they may simply be a financial cushion for the child matured. Moreover, we can say that the savings insurance policy - a product of "two in one". On the one hand, it is insurance, but on the other - a bank deposit. Thus, the volume of the final insurance payment will be higher than the amount of contributions paid. Insurers usually charge interest on money you make. A small increase - 5.7% per year, but by the end of ascended interest can make quite a decent amount. Other company interest is not charged, but instead they just reduce the amount of required contributions. In the end, the amount you over the years of the policy will pay is less than the total payments is your child. For example, the father of the family is planning to adulthood son to save 500 thousand rubles. to pay for his university studies. Suppose a policy term of 10 years cost him 44.7 thousand rubles. annually, ie 447 thousand in 10 years. "Net earnings" at the end of the policy will be 53 thousand rubles. This, we note that no theoretical calculations and actual market supply one of the reputed companies. Note that if a parent during the policy suffered a misfortune, the insurance company, in any case to pay the full amount of the child, designated in the contract. This can happen either immediately or after the expiry of the contract. In this case, the insurer itself will pay the fees instead of the child's parent. The fee for a bite, however, the child prior to its maturity can wait for another mass of hazards that might cause him harm. So it makes sense to conclude a contract risk insurance. In general, this policy hardly differs from the "adult". In case of injury, detection of severe illness or (forbid, of course, God), the child's death the insurance company will pay the pre-designated in the policy amount. However, in the contract and typically includes "children" risks: for example, animal and insect bites, burns, poisoning, poisonous plants and mushrooms. Amount of risk insurance can be any, it all depends on the willingness and capacity of the Insured, which act as parents. The standard size of the premium is in the corridor 0,26-1% of the maximum payout. The older the child, the lower cost policy. It is true that in determining the tariff, many insurance companies are interested in the way of life "dityati. If he is playing hockey, boxing, karate, or spend days wandering the streets, being left to itself, the price of the policy could grow significantly - up to 2,5-6% of the coating. Is voluntary, however, risk insurance - just compensation in fact already happened. And who wants to bring to extremes? Also known: treat the consequences are much more complicated than the causes. For permanent protection of the health of the child would need medical insurance policy. This is the most expensive form of insurance of children. However, it gives parents confidence that the child is always possible to show the doctor, if necessary, and even a force majeure situation, he will receive prompt and quality medical care. Prices for children's policy LCA is quite varied: they depend on the age of the child and the medical establishment, with which cooperates an insurance company, and, of course, from the insurer. But in any event for the year will have to shell out tens of thousands of rubles. Thus, in one of the most famous companies in the market insurance teen on an integrated program of LCA will cost 50-70 thousand rubles., Depending on the selected clinics. The integrated program includes outpatient services, doctor on call at home, emergency medical care, various immunizations and vaccinations, and dental care. Note that if you decide that your daze be treated teeth in another place, it will lower the price of the policy at 5-10 thousand rubles. The company has a policy for the same youngster, providing services only to clinics, will cost 19 thousand rubles. When added to the contract a clause on free home care contract price will increase to 24 thousand rubles. And if a child is very young, the insurance will be higher by 15-40%. However, these programs do not include dental services. For dental treatment will have to pay separately. Frankly, the prices of many insurers 'bite'. But every parent knows: the health of their own child is priceless. Save it, of course, a sin, but it makes sense to consider the proposals of several companies to find the most profitable and remove from the service contract, which, in your opinion, are optional.
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