要理性消费哦保险很重要，但是一定要选对公司像平安保险这种垃圾中的战斗机就不要了
看下我在妈网的帖子吧，自己的亲身经历：
http://www.gzmama.com/thread-3216216-1-1.html
霍青桐:
<TABLE border=1 width=750><TBODY><TR><TD height=150><IMG src="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/154109vym9d3mlffaaa3fm.jpg" width=750 longDesc="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/154109vym9d3mlffaaa3fm.jpg" height=150></TD></TR><TR><TD><FONT size=3 face=微软雅黑> 家长是孩子身旁的大树，撑起大大的伞保护着他们。可是在宝宝的成长过程中，面临许多无法预知的障碍，好比庞大的医疗和教育支出，这时候投资少儿保险就有助于家长们解决这个问题。但是，少儿保险的种类繁多，自己的预算又有限，该为宝宝购买什么类型的保险呢？一起来看看少儿保险的扫盲帖吧~</FONT></TD></TR><TR><TD height=50><IMG src="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/154110l4olmvxxzlsmizvo.jpg" width=749 longDesc="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/154110l4olmvxxzlsmizvo.jpg" height=50></TD></TR><TR><TD><P><FONT size=3 face=微软雅黑>细数购买少儿保险的六大理由：</FONT></P><P> </P><TABLE border=0 cellPadding=10 width=750><TBODY><TR><TD><P><FONT size=3>1、保护孩子健康成长 </FONT></P></TD><TD><P><FONT size=3>2、为孩子建立"医保体系"</FONT></P></TD></TR><TR><TD><FONT size=3>3、保证孩子受教育的权利</FONT></TD><TD><FONT size=3>4、投资妙方：年龄越小，保费就越便宜</FONT></TD></TR><TR><TD><FONT size=3>5、部分规避遗产税，将资产转移给子女</FONT></TD><TD><FONT size=3>6、培养子女保险观念，建立良好长期的风险规划</FONT></TD></TR></TBODY></TABLE></TD></TR><TR><TD height=50><IMG src="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/154111mpuobkxnbxqldw68.jpg" width=749 longDesc="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/154111mpuobkxnbxqldw68.jpg" height=50></TD></TR><TR><TD><TABLE border=0 cellSpacing=5 cellPadding=10 width=750><TBODY><TR><TD height=150 width=300><IMG src="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/155857u5uh9r9r68u6d5rb.jpg" width=300 longDesc="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/155857u5uh9r9r68u6d5rb.jpg" height=151></TD><TD width=554><P><FONT color=darkorange size=4 face=微软雅黑><STRONG>意外保险</STRONG></FONT>——孩子好动，不懂得照顾自己，容易发生意外</P><P> </P><P>针对18周岁以下少儿，这类保险可以防范儿童在成长的过程中由于外部突发以外事故而产生严重性的后果或风险。意外保险一般情况下是限制所投保的分数的（只限一份） ，而且在不同的年龄阶段的儿童所投保的产品也不一样。</P><P align=left> 【<A href="http://www.gzmama.com/forum.php?mod=redirect&goto=findpost&ptid=1172274&pid=20427803" target=_blank>查看更多</A>】</P></TD></TR><TR><TD height=150 width=300><IMG src="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/155857npincssliczidcqu.jpg" width=300 longDesc="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/155857npincssliczidcqu.jpg" height=151></TD><TD><P><FONT color=darkorange size=4 face=微软雅黑><STRONG>医疗保险</STRONG></FONT>——孩子身体抵抗力较弱，容易生病</P><P><BR>针对少儿因患疾病而产生的治疗、住院和手术等费用提供一定的保障。由于现在我国的基本医疗制度，对少儿的医疗保障状态比较低，因此建议可以考虑参考一些商业保障，减低家庭风险。</P><P align=left> 【<A href="http://www.gzmama.com/forum.php?mod=redirect&goto=findpost&ptid=1172274&pid=20467430" target=_blank>查看更多</A>】</P></TD></TR><TR><TD height=150 width=300><IMG src="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/155857vy1vkhktlww1zg50.jpg" width=300 longDesc="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/155857vy1vkhktlww1zg50.jpg" height=151></TD><TD><P><FONT color=darkorange size=4 face=微软雅黑><STRONG>教育金保险</STRONG></FONT>——教育费用的刚性需求</P><P><BR>针对少年儿童在不同生长阶段的教育需要提供相应的保险金。少儿教育险的产生使得被保险少儿在一生的各个特定阶段都可储备一笔基金，减轻父母的经济负担，充分体现父母对子女的呵护和关爱。</P><P align=left> 【<A href="http://www.gzmama.com/forum.php?mod=redirect&goto=findpost&ptid=1172274&pid=20512896" target=_blank>查看更多</A>】</P></TD></TR></TBODY></TABLE></TD></TR><TR><TD><P><FONT color=darkorange size=3 face=微软雅黑><STRONG><IMG style="MAX-WIDTH: 400px" border=0 src="http://qimg.cdnmama.com/gz/data/attachment/album/201112/22/100430v1xm4vcbcn1whaxv.gif">818别家孩子买了什么保险：</STRONG></FONT></P><P> </P><STRONG><FONT color=#ff8c00 size=3 face=微软雅黑><P align=center><TABLE style="WIDTH: 451pt; BORDER-COLLAPSE: collapse" border=0 cellSpacing=0 cellPadding=0 width=601><COLGROUP><COL style="WIDTH: 80pt; mso-width-source: userset; mso-width-alt: 3392" width=106><COL style="WIDTH: 308pt; mso-width-source: userset; mso-width-alt: 13152" width=411><COL style="WIDTH: 63pt; mso-width-source: userset; mso-width-alt: 2688" width=84><TBODY><TR style="HEIGHT: 13.5pt" height=18><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BORDER-LEFT: #92cddc 0.5pt solid; WIDTH: 80pt; FONT-FAMILY: 宋体; BACKGROUND: #4bacc6; HEIGHT: 13.5pt; COLOR: white; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 700; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none; mso-pattern: #4BACC6 none" class=xl65 height=18 width=106>宝宝年龄</TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; WIDTH: 308pt; FONT-FAMILY: 宋体; BACKGROUND: #4bacc6; COLOR: white; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 700; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none; mso-pattern: #4BACC6 none" class=xl65 width=411>买少儿保险建议</TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; WIDTH: 63pt; FONT-FAMILY: 宋体; BACKGROUND: #4bacc6; COLOR: white; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 700; BORDER-RIGHT: #92cddc 0.5pt solid; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none; mso-pattern: #4BACC6 none" class=xl65 width=84></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BORDER-LEFT: #92cddc 0.5pt solid; FONT-FAMILY: 宋体; BACKGROUND: #daeef3; HEIGHT: 15.75pt; COLOR: black; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none; mso-pattern: #DAEEF3 none" height=21>刚出生</TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; FONT-FAMILY: 宋体; BACKGROUND: #daeef3; COLOR: black; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none; mso-pattern: #DAEEF3 none"><P align=left>必买居民80元医保，可再加上其它健康医疗保障</P></TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; FONT-FAMILY: 宋体; BACKGROUND: #daeef3; COLOR: blue; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; BORDER-RIGHT: #92cddc 0.5pt solid; TEXT-DECORATION: underline; text-underline-style: single; text-line-through: none; mso-pattern: #DAEEF3 none" class=xl67><A href="http://www.gzmama.com/thread-2296123-1-1.html"><FONT color=#810081>查看更多</FONT></A></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BORDER-LEFT: #92cddc 0.5pt solid; BACKGROUND-COLOR: transparent; FONT-FAMILY: 宋体; HEIGHT: 15.75pt; COLOR: black; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none" height=21>3个月</TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BACKGROUND-COLOR: transparent; FONT-FAMILY: 宋体; COLOR: black; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none"><P align=left>可以买返还分红型包括10种重病保障的教育保险</P></TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BACKGROUND-COLOR: transparent; FONT-FAMILY: 宋体; COLOR: blue; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; BORDER-RIGHT: #92cddc 0.5pt solid; TEXT-DECORATION: underline; text-underline-style: single; text-line-through: none" class=xl67><A href="http://www.gzmama.com/thread-2654257-1-1.html"><FONT color=#810081>查看更多</FONT></A></TD></TR><TR style="HEIGHT: 27pt" height=36><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BORDER-LEFT: #92cddc 0.5pt solid; FONT-FAMILY: 宋体; BACKGROUND: #daeef3; HEIGHT: 27pt; COLOR: black; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none; mso-pattern: #DAEEF3 none" height=36>10个月</TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; WIDTH: 308pt; FONT-FAMILY: 宋体; BACKGROUND: #daeef3; COLOR: black; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none; mso-pattern: #DAEEF3 none" class=xl66 width=411><P align=left>购买教育金储蓄附加大人豁免，保证到如果大人一旦有什么问题，bb的教育和生活问题可以解决</P></TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; FONT-FAMILY: 宋体; BACKGROUND: #daeef3; COLOR: blue; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; BORDER-RIGHT: #92cddc 0.5pt solid; TEXT-DECORATION: underline; text-underline-style: single; text-line-through: none; mso-pattern: #DAEEF3 none" class=xl67><A href="http://www.gzmama.com/thread-2310102-1-1.html"><FONT color=#810081>查看更多</FONT></A></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BORDER-LEFT: #92cddc 0.5pt solid; BACKGROUND-COLOR: transparent; FONT-FAMILY: 宋体; HEIGHT: 15.75pt; COLOR: black; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none" height=21>2岁</TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BACKGROUND-COLOR: transparent; FONT-FAMILY: 宋体; COLOR: black; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none"><P align=left>居民医保80元/年+意外医疗+重大疾病，每年投资约600元</P></TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BACKGROUND-COLOR: transparent; FONT-FAMILY: 宋体; COLOR: blue; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; BORDER-RIGHT: #92cddc 0.5pt solid; TEXT-DECORATION: underline; text-underline-style: single; text-line-through: none" class=xl67><A href="http://www.gzmama.com/thread-950748-1-1.html"><FONT color=#810081>查看更多</FONT></A></TD></TR><TR style="HEIGHT: 40.5pt" height=54><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BORDER-LEFT: #92cddc 0.5pt solid; FONT-FAMILY: 宋体; BACKGROUND: #daeef3; HEIGHT: 40.5pt; COLOR: black; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none; mso-pattern: #DAEEF3 none" height=54>5岁</TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; WIDTH: 308pt; FONT-FAMILY: 宋体; BACKGROUND: #daeef3; COLOR: black; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none; mso-pattern: #DAEEF3 none" class=xl66 width=411><P align=left>意外、住院是最基本的。 一年200-300块搞定；<BR>然后买重大疾病，保终身，带分红的，2000多块就搞定；<BR>然后还宽松的就再准备教育基金。</P></TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; FONT-FAMILY: 宋体; BACKGROUND: #daeef3; COLOR: blue; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; BORDER-RIGHT: #92cddc 0.5pt solid; TEXT-DECORATION: underline; text-underline-style: single; text-line-through: none; mso-pattern: #DAEEF3 none" class=xl67><A href="http://www.gzmama.com/thread-2582084-1-1.html"><FONT color=#810081>查看更多</FONT></A></TD></TR><TR style="HEIGHT: 15.75pt; mso-height-source: userset" height=21><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BORDER-LEFT: #92cddc 0.5pt solid; BACKGROUND-COLOR: transparent; FONT-FAMILY: 宋体; HEIGHT: 15.75pt; COLOR: black; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none" height=21>13岁</TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BACKGROUND-COLOR: transparent; FONT-FAMILY: 宋体; COLOR: black; BORDER-RIGHT-COLOR: #ece9d8; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; TEXT-DECORATION: none; text-underline-style: none; text-line-through: none"><P align=left>购买万能保险更好一些，因为它教易转为教育金</P></TD><TD style="BORDER-BOTTOM: #92cddc 0.5pt solid; BACKGROUND-COLOR: transparent; FONT-FAMILY: 宋体; COLOR: blue; FONT-SIZE: 11pt; BORDER-LEFT-COLOR: #ece9d8; BORDER-TOP: #92cddc 0.5pt solid; FONT-WEIGHT: 400; BORDER-RIGHT: #92cddc 0.5pt solid; TEXT-DECORATION: underline; text-underline-style: single; text-line-through: none" class=xl67><A href="http://www.gzmama.com/thread-389047-1-1.html"><FONT color=#810081>查看更多</FONT></A></TD></TR></TBODY></TABLE></P></FONT></STRONG><P><FONT color=darkorange size=3 face=微软雅黑><STRONG><IMG style="MAX-WIDTH: 400px" border=0 src="http://qimg.cdnmama.com/gz/data/attachment/album/201112/22/100430v1xm4vcbcn1whaxv.gif">小结投保tips（按每年预算划分）：<BR></P></STRONG></FONT><P><FONT size=3>1000块以内：医疗保险，补充医保<BR>1000-3000块：重大疾病保险+意外伤害保险；分红终身寿险附加终身重大疾病保险+意外伤害医疗保险。<BR>3000-10000块：可投资综合保险，既有教育金的返还，又有重大疾病、意外伤害医疗的保障。</FONT></P></TD></TR><TR><TD height=50><IMG src="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/154111rcqz1hmm6293r2zz.jpg" width=749 longDesc="http://qimg.cdnmama.com/gz/data/attachment/album/201111/22/154111rcqz1hmm6293r2zz.jpg" height=50></TD></TR><TR><TD><P><FONT size=3><IMG style="MAX-WIDTH: 400px" border=0 src="http://qimg.cdnmama.com/gz/data/attachment/album/201112/22/1004275pob2tph259jztok.gif">误区一：</FONT><A href="http://www.gzmama.com/thread-2752997-1-1.html" target=_blank><FONT size=3>孩子有了各种保障，父母却什么保障都没有</FONT></A></P><P><FONT size=3> 作为父母的你，一旦发生意外、大病甚或身故，谁来保证孩子后面的保费问题？孩子的第一重保障，究竟是保险，还是父母本身？</FONT></P><P><FONT size=3></FONT> </P><P><FONT size=3><IMG style="MAX-WIDTH: 400px" border=0 src="http://qimg.cdnmama.com/gz/data/attachment/album/201112/22/1004275pob2tph259jztok.gif">误区二：</FONT><A href="http://www.gzmama.com/thread-1649417-1-1.html" target=_blank><FONT size=3>有社保就不买保险了，孩子不需要"双保险"</FONT></A></P><P><FONT size=3> 很多年轻的父母在面对保险代理人的时候，经常都会说，我们家宝宝已经有社保了，保险就不用买了。但实际上，少儿社会保险还存在很多缺陷，有很多没有覆盖的方面。</FONT></P><P><FONT size=3></FONT> </P><P><FONT size=3><IMG style="MAX-WIDTH: 400px" border=0 src="http://qimg.cdnmama.com/gz/data/attachment/album/201112/22/1004275pob2tph259jztok.gif">误区三：</FONT><A href="http://www.gzmama.com/thread-2578044-1-1.html" target=_blank><FONT size=3>保险条款内涵深，一签字成千古恨</FONT></A></P><P><FONT size=3> 当时业务员跟赵先生说，这项保险投入较低，只要每年交1000元，持续12年后，即可返还所有本金共计2.4万元。这12年里，每年保险公司还会给客户一定的分红。可最后签订的合同居然从12年变成了72年？</FONT></P><P><FONT size=3></FONT> </P><P><FONT size=3><IMG style="MAX-WIDTH: 400px" border=0 src="http://qimg.cdnmama.com/gz/data/attachment/album/201112/22/1004275pob2tph259jztok.gif">误区四：</FONT><A href="http://www.gzmama.com/thread-2235868-1-1.html" target=_blank><FONT size=3>分红返还型保险投保9万20年后变21万，真的划算？</FONT></A></P><P><FONT size=3> 我想为两个孩子各买一份保险，交10年，一年九千，保险期20年，也就是说20年后，孩子可以得到21万连本带息的险金。但是老公极力劝我，说通货膨胀，到时20年后可能那点钱真不算钱了。</FONT></P></TD></TR></TBODY></TABLE>
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connie_kzy
bingcool
飞虎宝宝
9安安9
pat_mcege
maryjeep
SOLITARYHAWK
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2451171612
graceking111
一一猪TA娘亲
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lanty1211
