Insure too " The limit is purchased " ? It is dangerous that the expert proposes buying juveniles blindly

Insure too " The limit is purchased " ? It is dangerous that the expert proposes buying juveniles blindly
It is dangerous to present juveniles on the recent towns and villages all over the country " The limit is purchased " Legend,it is if you can't strive, if you can't take by children limits dangerous, last last bus not to last parents. Is it necessary to add extra premium for child in the house before the new rule is implemented? The reporter knows, " the limit is purchased " T November for their minor children and regarded dying as and paid the relevant questions of a life insurance of a gold bar of insurance " that The China Insurance Regulatory Commission issued of last November, the " notice " regulation is from April 1, minors die and pay the whole country of a limit of the insurance premium and change to 100,000 yuan in unison. Does this mean after April 1, will parents be limited while buying insurance for children? According to the introduction of insider, out of taking precautions against the consideration of the moral hazard, the money of responsibility of dying to minor's insurance presumes the policy of the limit has a long history. The China Insurance Regulatory Commission stipulates the death insured amount that parents insured for life for their minor children is 50,000 yuan, but because some parents hope to buy more overall insurance products for children, the insurance company is glad to charge more premium too, stipulate that will generally increase a " especially agree on " in the insurance clause in order to evade the limit ,Agree to buy the insurance and have no upper limit, but if minors meet accident and die, then the upper limit of compensation for death is still 50,000 yuan, and return the surplus premium. But if die after growing up, compensate according to the real insured amount insured. In other words, no matter how much insurance is bought the products, the premium is higher, so long as the assured die when teenage, so supreme compensation is 50,000 yuan. It is obvious, it is actually not worthwhile that the juvenile insures excessly for children in insurance, it is not limited and settling a claim to accept insurance limitedly. After The China Insurance Regulatory Commission newest " notice " implement, this method will be impractical in the future. Because " notice " stipulates, the insurance company can't be in order to criticize single, annotations and commentaries (including especially agreeing on) in the contract of insurance Wait for the way to change insurance responsibility or exceed the limit to accept insurance. Wear " foot chain " Insurance kind is mainly life insurance, casualty insurance, it is dangerous in disease since it is serious,in addition if you can't involve, die too otherly by insurance the insurance kinds of the responsibilities by the way. And among them, it is " severely afflicated area " even more that serious disease is dangerous . The expert says, unnecessary because " the limit is purchased " And buy the insurance blindly, because the new policies compensate the dying of the juvenile from 50,000 yuan to bring up to 100,000 yuan, totally unnecessary because of the so-called insurance " The limit purchases making " And is entangled with. One is that most investment risks, passenger accident insurance are not here " The limit is purchased " Its row; Second, go over " Do not accept insurance limitedly and settle a claim limitedly " Regulation unfair in consumer correctly; Third, the consciousness that the adult protects the child again that consumers need to establish assuaring first, provide safeguard for economic pillar of the family the child preferably. (reporter Xiao Juan)

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