What if the child is lost? You may want to consider protecting children from loss.

On February 6th, 65438, dear prototype Sun Haiyang found Sun Zhuo, a child kidnapped in 14. At the meeting site, Sun Haiyang and his wife held their children tightly and wept bitterly. Later, their family sat together and had a reunion dinner 14 years late. In the past 14 years, the whole process of finding children can be said to be very sad. Sun Haiyang's old mother has a runny nose and tears every day, hoping to find her little grandson as soon as possible.

Although after more than ten years of hard searching, Sun Haiyang was finally lucky to find her own child. But not every parent of a lost child can have a good result. Divorce in order to find a child's ruin, such a tragedy can actually be avoided by the child's loss insurance. Today, let's talk about child lost insurance.

1. Why buy child protection insurance?

1. About 20,000-30,000 children go missing every year.

According to the survey, 2 1 10,000 victims are trafficked every year in the world. There are 20,000-30,000 children missing in China, some of whom come from trafficking and crime. Children have always been happy and active. Under the care of adults, they get lost very easily. Usually, families invest a lot of energy and money in the cultivation of their children. Once the child is lost, it is a very heavy blow to the family.

2. Finding abducted children is a long process.

For most families who have lost their children, finding them is a long process. The whole process must be supported by funds and firm beliefs. At this time, if you get outside assistance, it is of great significance to every family. Therefore, children's lost insurance came into being.

Second, what can children's lost insurance provide for parents?

The introduction of child lost protection insurance is dedicated to rescuing and protecting children. Once a child is abducted and lost, it can help his relatives to ensure the safety of the child to the maximum extent, get the best service, and find and protect the child immediately.

Beneficiaries can buy insurance for their children in accordance with the law. During the insurance period, the whereabouts of the insured in China (excluding Hongkong, China, Macau, China and Taiwan Province Province, China) are unknown, and the public security department has filed an investigation. Since the effective date of the public security department's investigation, if the beneficiary is lost for more than a certain period of time, the insurance company will pay daily according to the requirements of the policy to find hotel accommodation and travel expenses. If the insured has been missing for more than a certain period of time, the insurance company shall make a one-time payment according to the amount required by the policy.

1, payment compensation guarantee fund

If the insured is lost and the police fail to find the insured within a certain period of time from the effective date of the accident, the insurance company shall pay the amount of lost security money.

2. Provide search and rescue services

Some products not only provide a large amount of recovered security money, but also provide completely free rescue services for abducted children.

3, looking for compensation and protection

The lost children's insurance provides families who have lost their children with the protection of seeking compensation for their expenses.

3. What should I pay attention to when buying child lost insurance?

1, insurance amount

There are many insurance wealth management products for "missing" children, and the insurance amount for loss compensation is only 1 000 yuan. Only by choosing enough insurance coverage can we provide enough help in the process of finding children.

2. Protected areas

Pay attention to the protection area and try to choose the children's lost protection insurance with a large scope of protection area. Some products only cover domestic losses, while others are restricted by regions.

3. The limit and age of the insured

Some children's lost insurance only restricts parents and guardians to buy insurance, while others only restrict biological parents. In addition, in terms of age, some products are under 6 years old, and some products are under 18 years old. Pay attention to the requirements of the insured and the age requirements of the insured when insuring.

4. Compensation method

Some children's lost security lines can only find the specific expenses of their loved ones through expense reimbursement, and the insured can only submit expense reimbursement to the insurance company; Some products can pay a sum of money immediately. The choice of specific compensation methods can be decided according to your own considerations.

Fourth, write it at the end.

We can't predict the risks, only to strengthen the protection and prevention of children. But nobody knows the accident or who will come first tomorrow. With the child lost insurance, if Hazi is lost, parents have enough protection to find the child. Compared with traditional commercial insurance, this customized commercial insurance is designed from the customer's point of view, which makes the insurance wealth management products more reasonable and expands the humanized protection on the basis of traditional commercial insurance. At the same time, protection and claims are more effective and convenient.