태아보험 어린이보험 현대해상 임신 아기 태아보험비교

If you are not prepared for accidents or various diseases that occur while your children are growing up, it will be a huge burden when things happen.In preparation for such a situation, many people have signed up for child insurance (fetal insurance). However, if you sign up because you dont know them well and are harassed by other peoples comments, its easy to sign up for products you dont want. Therefore, even if you listen to others, you must first have some knowledge about child insurance (fetal insurance) to be able to subscribe to the product you want.So, let’s take a look at what you need to pay attention to in order to properly sign up for child insurance (fetal insurance).1. Check the maturity age of fetal insurance (child insurance) For childrens insurance, people in the position of guardians, such as parents or grandparents, join as policyholders.It is a comprehensive insurance that provides protection against accidents, injuries, illnesses, school violence, etc. that may occur to children.In particular, children cannot purchase insurance products such as cancer insurance or accident insurance, so only one child insurance can cover all cases.Prenatal insurance usually expires between the ages of 15 and 20 from the fetus during pregnancy, and a monthly premium of 30,000 won is paid.2. Check the categories of negligence and child crime One thing to think about before signing up for child insurance (fetal insurance) is to think about what kind of risks our children are exposed to as they grow up.If you look at the accidents that our children can experience, the highest mortality rate among children under the age of 10 is an accident caused by negligence.For example, safety accidents such as traffic accidents and water accidents.And since most school lunches are provided these days, the risk of food poisoning cannot be ruled out.Hospital treatment should also be considered. It is advantageous to subscribe to a product with a large amount of coverage for fractures, pneumonia, hernia, appendix, etc. that require relatively high treatment costs among childrens diseases.Especially these days, we need to seriously think about child crimes against children.Bullying and violence in schools are also serious problems, but the biggest problem these days is child crime.Please take a closer look at how the insurance covers kidnapping and kidnapping.Please pay close attention to the essential items and purchase insurance.If you think about it too long, be careful as it may result in an increase in insurance premiums by including parts that are very unlikely to actually happen.Be sure to check out the essentials and sign up.The coverage period is appropriate for the age of 25, and products that cover up to the age of 35 will be advantageous if your child has a disability or has a special reason.And it is better to have a product that focuses on treatment during survival rather than death guarantee. You must choose a product that can be covered for serious diseases such as leukemia and childhood cancer.3. Prenatal insurance subscription period and product selection precautions If you decide to subscribe to child insurance (fetal insurance), it is advantageous to sign up as early as possible.If you purchase fetal insurance when you are a fetus during pregnancy, the premium is cheaper.In addition, it is advantageous to subscribe to fetal insurance before childbirth, as it may not be possible to purchase child insurance after childbirth due to congenital diseases.If you have only one child, even if the insurance premium is high, you can get a large amount of insurance and sign up for a variety of special contracts.If you have two or more children, the insurance premium will be burdensome.In such a case, it is effective to select a product (special contract) that provides good basic medical coverage and sign up for all of them.Childrens insurance in Korea can be divided into life insurance and non-life insurance.Generally, life insurers have a long term of coverage and a fixed amount of coverage.In particular, it is characterized by a high-cost guarantee for serious diseases such as leukemia and childhood cancer.On the other hand, the product of non-life insurance companies is a guarantee for actual expenses that is covered for the medical expenses actually used for hospital treatment.Liability due to children is also possible.1. Difference between fetal insurance and child insurance When the two insurance products first came out, they were called childrens insurance and came out as a single product, but when the special contract for fetal protection is included in this insurance, they are ordered separately as fetal insurance.Prenatal insurance covers congenital abnormalities, perinatal diseases, low birth weight, and physical paralysis when a baby is born. It is a product that guarantees a lot of interest from expectant mothers. You must register before the baby is born during pregnancy to be covered by fetal insurance.Childrens insurance is a product that insures against cancer, disease, or disaster. Because this insurance is purchased after birth, it does not cover congenital anomalies.2. What is fetal registration?You sign up when you are a fetus, and after the baby is born, the part that says fetus on the insurance policy is changed to your name, which is called fetal registration.Documents required for registration of the fetus☞ Boy: 1 original copy of resident registration☞ Girl: 1 original copy of resident registration, 1 copy of contract identity card, 1 copy of bankbook The reason why there are more documents for a girl is because the enrollment standard is for a boy when it is entered as a fetus, so if you are born as a girl, you can get a refund of your insurance premium.For example, if you sign up for insurance in the 5th month of pregnancy and register for a fetus after giving birth 5 months later, you can get a refund of your premiums for 5 months after purchasing the insurance.There is a slight difference in the amount of refund, and you may not be able to get a refund and just earn points.3. Summary of Prenatal Insurance/Children Insurance1) When to join: Non-life insurance company - Immediately after confirmation of pregnancy, Life insurance company - From 16 weeks of pregnancy2) Check if you can receive insurance for birth defects of the child at the time of childbirth3) After childbirth, underweight infant incubator guarantee is also mandatory4) Confirmation of perinatal disease coverage: Non-life insurance company - inpatient medical expenses special contract, life insurance company - perinatal disease special contract※ There are two types of child insurance.▶ Comprehensive Insurance: Covers various risks such as various diseases, accidents, injuries, and school violence.▶ Savings insurance: raising money for childcare and education The scope of coverage is increasing, such as receiving various treatment funds, and even covering mental disorders caused by school disasters, kidnapping, kidnapping, and bullying.I think the most appropriate time to sign up is when your child enters a daycare center or kindergarten.