如何給自己的孩子選擇保險
？

孩(hai)子(zi)的(de)保(bao)障(zhang)固(gu)然(ran)主(zhu)要(yao)
，但(dan)是(shi)家(jia)長(chang)的(de)保(bao)障(zhang)也(ye)是(shi)重(zhong)中(zhong)之(zhi)重(zhong)，在(zai)為(wei)孩(hai)子(zi)偷(tou)得(de)前(qian)提(ti)是(shi)家(jia)長(chang)自(zi)身(shen)是(shi)否(fou)有(you)完(wan)整(zheng)的(de)保(bao)障(zhang)，如(ru)果(guo)已(yi)經(jing)投(tou)保(bao)，那(na)麼(me)孩(hai)子(zi)的(de)保(bao)障(zhang)可(ke)以(yi)補(bu)充(chong)。

孩子主要需要保障：重大疾病保險，意外險，教育金保險

當您為您的孩子投保時
，您一定要盡量選擇含“豁免保險費用”條tiao款kuan或huo額e外wai的de保bao險xian費fei用yong豁huo免mian定ding期qi險xian
，特te別bie是shi當dang您nin投tou保bao教jiao育yu時shi。為wei了le防fang止zhi父fu母mu在zai保bao險xian期qi內nei無wu法fa繼ji續xu支zhi付fu保bao險xian費fei用yong，最zui好hao在zai購gou買mai主zhu保bao險xian的de同tong時shi購gou買mai豁huo免mian保bao險xian費fei用yong額e外wai保bao險xian。如ru果guo家jia長chang發fa生sheng事shi故gu，保bao險xian公gong司si可ke以yi在zai豁huo免mian之zhi後hou的de每mei個ge期qi間jian返fan回hui保bao險xian費fei用yong，以yi確que保bao孩hai子zi的de保bao險xian合he同tong繼ji續xu有you效xiao。

這zhe也ye是shi為wei了le告gao訴su各ge位wei家jia長chang
，不bu要yao盲mang目mu跟gen風feng的de為wei孩hai子zi購gou買mai保bao險xian。在zai為wei孩hai子zi投tou保bao前qian一yi定ding要yao認ren識shi到dao家jia庭ting投tou保bao以yi家jia長chang為wei主zhu
，孩hai子zi為wei輔fu的de形xing式shi進jin行xing。在zai家jia長chang得de到dao足zu夠gou保bao障zhang的de狀zhuang態tai下xia，給gei孩hai子zi充chong足zu的de保bao障zhang。

rujin，xuduojiatingdouyihaiziweizhongxin。shubuzhifumucaishihaizizuidadeyikao，zhiyoufumudebaozhangdaowei，haizidebaozhangcaihuiwanzheng。yaoweinindehaizigoumaibaoxian，shouxianninduizijidebaozhangxuyaodaowei。shouxian
，womenbixuxianweidarenzuoyigejibendebaozhang。jiatingbaoxianyingyifumuweijichu，bingyouhaizibuchong。suiranzheshiyigepubiandehuati，danzaishijianzhong，rengyouxuduojiachanghuiwangjizheyizhongyaoyuanze。tebieshizaijiatingganggangzengjialeyigexinshengerzhihou，xuduobaoxianxiaoshoudianhuahuikaishibutingdihongzhafumu
，ernaxiechenjinzaixingfuzhongdexinfumuyejiangzheyibaoxianyuanzepaozainaohou。meiyouzaizijibaozhangdejichushang，kaishijizheweibaobaomaibaoxian。zuoweijiatingdejingjizhizhu，fumubixuyaoxianchongfendebaozhengtamendeyiwaishigu、醫療、重zhong大da疾ji病bing和he人ren壽shou保bao險xian等deng保bao障zhang完wan整zheng。因yin為wei如ru果guo父fu母mu的de主zhu要yao收shou入ru來lai源yuan突tu然ran中zhong斷duan，孩hai子zi將jiang失shi去qu經jing濟ji支zhi持chi，而er且qie每mei年nian向xiang孩hai子zi支zhi付fu的de保bao險xian費fei用yong不bu應ying超chao過guo父fu母mu的de保bao險xian費fei用yong。如ru果guo不bu能neng兼jian顧gu，應ying以yi成cheng人ren為wei主zhu。