Children’s insurance, what it includes and why to do it: from health insurance to damage insurance, without forgetting the economic future
Children are our future. Each parent tries to give the best to their child: study, work, peace of mind in the family, but it is better to think of security also with regard to protection in other fields. The child insurance can take care of health, of damage caused to third parties, of the economic future. Let’s find out in detail what insurance is for and when to do it.
In this article
Child insurance: health
Thinking about protecting the child’s health, from birth to his or her first scooter, can make parents feel more comfortable. In this way you can choose the public or private health facility to entrust the child to to guarantee him the best care by skipping the waiting lists. To clarify any doubts about the child’s health and treat him in the best possible way, some insurances offer the skills of a pediatrician available 7 days a week, 24 hours a day. The assistance services offered vary from one contract to another depending on the clauses contained, the amount of contributions paid to the insurance company and the payments guaranteed by the same. You can insure children or young people from 3 months up to 15 years of age. With a policy you can count on financial support in the event of accidents or illnesses, in the event of hospitalization, fractures, dental injuries, surgery or even major illnesses that may affect childhood. Compensation can be daily or flat-rate.
In addition to offering financial help, some accident and health insurances also guarantee concrete support for your family in the event of an accident or illness. For example, they may include hours of help with home babysitting, nursing and physiotherapy at home. When a child or a school-age boy gets hurt or gets sick, it can happen that he or she is absent from school for a few days. A good life insurance policy also includes services to help your child recover. The insurance company can guarantee study support with a home teacher, so as not to fall behind in the school curriculum.
Child insurance: damage to third parties
THE damage caused by children are more frequent than one might think and can represent a real risk for the economic security of the family. Yet, not everyone yet has a full understanding of these risks and the importance of protect yourself from damage caused by your children. The situations in which these events can occur are many and often belong to our daily life: school, games, sport, travels or trips to the city; each of these activities can potentially be a source of danger. Is your child learning to ride a bike? He could run over someone, even just the neighbor’s dog! Do you play a sport? It could unintentionally hurt a partner. The policy provides for a insurance coverage complete from damage caused to third parties by all family members, including collaborators and pets. Basic safeguards include compensation for personal injury or damage to the property of others.
Child insurance: savings
When a child is born, he immediately begins to receive gifts, even in cash. After a few games, especially grandparents and uncles begin to give money for the future of the little one. What to do with it? If your desire is for the latter to attend university, it is right to start thinking about a savings plan that allows him to to continue the studies after graduation. With a savings module, you build up a starting capital for your child’s adult life. Investment experts invest your savings premiums in first-rate funds, which will provide you with attractive return opportunities. You can choose between: guaranteed performance, controlled risk or focused on return.