Xiong Haizi race night row 54 car trouble insurance how to buy
As parents, elders, " Xiong Haizi" out of trouble but want to hide but also hide。 " Xiong Haizi" destructive power is to be reckoned with, ordinary parents can afford to lose, however, some valuable things, may let parents also can't afford to lose money。 To this end, many insurance companies launched " Xiong Haizi insurance", to help parents reduce economic losses。
People imp, destructive power is not small
There is a " Xiong Haizi" in the home is the most headache for parents。 " don't play for three days, on the room Jie tile", is the parent of the home before " Xiong Haizi" hand mace。 Now, for families, the only child has become the " baby egg" in the home, Xiong Haizi are also more and more destructive。
Experience of Xiong Haizi estimates that everyone will encounter, to toys, sth over and over again with the room, playing with electronic products, steal to take things, tear books, screaming run ... collective enunciation of Xiong Haizi " evil", Xiong Haizi several cases of sin in the room, that is very common。 If put Xiong Haizi in the outdoor, or a few Xiong Haizi together, this kind of scene is almost let a person collapse。
In recent years, the media reported that the " Xiong Haizi" is " bad" stains or spots。 Chengdu " Xiong Haizi" elevator to urinate on the button, let the whole elevator stop running。 There are also a group of Guangzhou Xiong Haizi game sabotage, a night to spend 54 cars 。
A 3 - year - old boy in Anhui province accidentally dropped 502 glue bought by his father into his eyes as an eye drop during play。
At the same time, there are some casualties caused by Xiong Haizi。 Lianyungang ( 601008, stock bar ) boys imitate the animated cartoon " pleasant goat and grey wolf" grey wolf " roast mutton" plot, with the village of five years old, eight years old two small partners tied to the tree, and lit weeds on the ground。
Jiangyin two urchin because of " boring" will be piled up on the roof of sundry hit down one by one 。 A brick flew down the head of the bride-to-be who passed downstairs, causing her to die instantly。
Qin, product manager of Qingdao branch of the people's property insurance company of China, said: " the insurance cases in Qingdao over the years mainly focus on the injuries caused by the fighting between Xiong Haizi in the school. there have also been cases of disorderly row parked vehicles on the side of the road. serious injuries have not been found in PICC's insurance cases。 " the
This " Xiong Haizi risk" is not " Xiong Haizi risk"
The power of the " Xiong Haizi" is indeed to be reckoned with, and even the emergence of the " Xiong Haizi economy": insurance companies have launched insurance products against Xiong Haizi's devastating effects and against Xiong Haizi's own personal insurance。
" Xiong Haizi often brings a lot of trouble to parents," said Cai, a youth counselor at the Qingdao mental health counseling center。 Children relative to adults, mentally unsound, unconsciously may cause damage to themselves and the surrounding people and economic losses, especially the children of hyperactivity, naughty, parents as guardians need to pay more attention, in order to protect the " Xiong Haizi" behavior caused by the loss, buy an insurance is an option。 " the
Reporters learned that there are two forms of insurance products in the Qingdao insurance market。 One is as a form of life " Xiong Haizi insurance", one is the design of property insurance " Xiong Haizi insurance"。 Two kinds of " Xiong Haizi insurance" although the name is the same, but there are essential differences。 One is the guardian liability insurance, one is the children's accidental injury insurance。
Qin manager of PICC said: " the so-called" Xiong Haizi insurance ", its real name should be" guardian liability insurance ", is a can pay for minor negligence insurance products。 According to the introduction, this product is mainly for families with minor children, caused by the family's minor children casualties or property losses, according to the law should be borne by the insured economic compensation responsibility, by the insurance company is responsible for compensation。 The product can reduce the financial pressure on parents to compensate for their children's mistakes。 " the
And Taikang life Qingdao branch personal insurance product trainer Mr Jiang said: " Taikang sales of Xiong Haizi insurance is actually a child accident injury insurance。 Compared with adults, children are generally active, curiosity, because of self-control ability is relatively poor, so it is one of the groups most vulnerable to accidental injury。 If the child in the home is more active, parents might as well in the daily or holiday period, according to the need to buy a child's accident insurance, once the child is injured, you can get a certain amount of financial compensation。 " the
" Xiong Haizi insurance" generally and Xue ping insurance binding to sell
According to reporters, at present in the major insurance companies have " Xiong Haizi insurance" in the sale。 Taobao official platform at the same time, including ping an, PICC, life life insurance, longevity, Taiping, Taikang and other insurance companies have guardian liability insurance and children's accident insurance products for sale。
" PICC's" Xiong Haizi insurance ", also known as guardian liability insurance, is to meet the market demand。 This is a custom-made insurance to ensure that the third party personal injury or property loss caused by the negligence of children bear the risk of economic compensation, which is favored by many parents。 In the past, Xiong Haizi insurance is actually tied to xueping insurance sales, some parents may not have carefully read the contract, in xueping insurance has the function of guardian liability insurance in it。
Now, flat insurance has become a voluntary purchase according to the requirements。 However, when parents choose to learn flat insurance will generally be bound to buy guardian liability insurance, because, guardian liability insurance itself insurance cost is not high。 That's the price of dozens of dollars a year。 " Qin manager said。
According to the official website of PICC, Xiong Haizi insurance period is one year, the guardian of minors under the age of 18 can be used as the insured, four packages to choose from, the maximum compensation of 500,000 yuan, the premium is 28 per person per year. From $ 58。 Coverage and costs vary depending on the premium。
" in the accident of children's accidental injury, swimming drowning asphyxiation, high fall, electric shock, motor vehicle traffic accidents, food poisoning, sharp weapon damage and dog, cat, mouse and other animal bites are common causes of accidents。 Used to cooperate with the school insurance sales, now become a separate sales of insurance。 However, relative to the level of insurance, the scope of protection is much larger than the level of insurance。 The school level insurance is limited to the school campus, while the children's accidental injury insurance is in all places。 " Mr Jiang said。
Reporters learned that children's accident insurance is generally not high, most areas have a separate sales, the price is generally between dozens of yuan to 100 yuan。 The premium depends on the age, the protection period can be free to choose according to 1 month, 3 months, 6 months, 1 year, etc。
Children rush, will more compensate more risk
" immature children tend to be curious about things around, like to start work to" study " these novel things, although this is in the eyes of our adults" destruction "。 Children of this age often don't know to obey the rules and consider the feelings of others, and even do something that adults can't accept。 However, children, after all, is a child, it is in this time and again to make mistakes and parents with a sound of teaching, they will really grow up。
The purchase of insurance is just a preventive means, really can let the child grow up is the parents of the child's attention and education guidance。
The so-called " Xiong Haizi risk" is actually part of the guardian's responsibility to parents to risk on to the insurance company, let it pay for the children's fault " pay"。 However, the process of children to make mistakes is actually a growing process, mistakes are normal, who made no mistakes in childhood? It is important that parents take advantage of this opportunity to guide and educate their children correctly so that they dare to admit their mistakes and assume responsibility in the face of them。 " psychological consultant Cai teacher told reporters。
Others believe that " Xiong Haizi risk" is likely to send a wrong message to the child: it doesn't matter if you make a mistake, someone will pay for us and take responsibility anyway。 This is likely to make the child more unscrupulous, the end result is only one: money saved, education is gone。
" the economic risk of a child's mistakes can be transferred, but the responsibility for educating the child cannot be transferred。 An insurance policy sometimes fails to protect their growth, may lead to such a result - their future the more " protect" the more " risk"。
What really works is family education, the disruptive behavior of children, which can be avoided if parents stop and teach them in a timely manner。 Of course, the purchase of insurance is also nip in the bud, but more than a guarantee for a ride, just for the protection of parents, timely education of children to prevent these Xiong Haizi。 " Cai said the teacher。
In fact, insurance is not guaranteed under any circumstances。 " guardian liability insurance" mainly by the child " trouble" caused by the loss to define claims and exemption。 Fixed loss of damage to the extent of damage, strength, height and other comprehensive inspection, at the appropriate time will be in a proper way to communicate with the child。 In addition, the claims will be handled in accordance with the specific circumstances of the insurance, to avoid fraud。
" the insured or living with adult family members of the guardian's instigation, war, hostilities, military action, strikes, riots, riots, the insured and their family members of personal injury and property damage, the guardian is caused by mental patients liability, fines, fines and punitive damages are exempt from compensation。 " Qin manager told reporters。
Mr Jiang also suggested: " parents should also purchase an appropriate amount of out-of-pocket insurance for their children, without having to repeat the insurance。 Because in accordance with the provisions of the CIRC, before the insured minors, the total amount of death insurance of the insurance contract, the actual amount of compensation after the insured shall not exceed 100 thousand yuan。 That is to say, buying out-of-pocket insurance is not the more you buy, the more you get。 " the
City letter / letter network reporter jun - da Zhang
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