Insuring your child, in these three cases, it is not recommended to attach an insured exemption

Choose insurance to be happy to protect, I am Xiao Kai.

An insured waiver means:

When parents insure their children, they like to choose an insured exemption to prevent themselves from suffering from serious illness and the child's inability to bear the premium.

So to buy insurance for your children, do you have to choose an insured exemption?

No, Xiao Kai recommends that the policyholder exemption should not be attached in the following three cases:

1. Children's premiums are not high

If the child's annual premium is not high, it is not necessary to bundle the policyholder exemption. For example, some regular major illness insurance, a year premium of several hundred yuan, even if the parents suffer from serious illness, for most families, can afford it; at this time, there is no need to attach this protection, in case the physical health does not meet it is more likely to backfire.

2. The insured does not comply with the health notice

It should be known that most products do not support the insured underwriting, only the insured underwriting, which will lead to the insured's body even if there is a small abnormality may not meet the health notice, if forced to attach, may affect the claim.

3. Budget is limited

In the case of a limited budget, it is better to make the sum insured sufficient and then consider additional benefits such as the insured waiver if the sum insured is sufficient.

Well, this issue is here, if you want to know more about insurance, remember to pay attention to me.