在规划孩子的保险时,必须注意以下事项 。

1.医疗保险
在医药费高涨的时代,又面对公共医疗保障的不足,为孩子投保医药保险是最佳的医疗照顾。父母可参考多家保险公司的医疗保险计划书及了解保障的范围,再以自己的能力选择较适合本身的需要。
2.孩子的成长生活费
孩子未有经济能力时,其一切开销皆由父母负担,所以,在规划孩子生活费保障时,必须预算孩子每月的生活开销。如孩子一个月生活开销为1000令吉,那父母要准备充足的保障将是RM1000 X 12个月 X 24年= RM288000,以此类推。
3.孩子未来的教育基金
教育可说是为人父母在培育孩子培育最重要的事项,若有预算让孩子完成高等教育,教育基金的准备是必然的。
目前在国内完成高等教育的学费约为3万5000 令吉至12万令吉;海外的学费则是15万令吉 至 50万令吉,甚至更高,视其学科及国家。所以,当在计算时加上4至6%通货膨胀,那20年后的费用将大概是现在200倍至300倍的学费。因此,在计算保障额时,须在加上未来教育基金所需才算完整。

您为孩子规划的保险足够吗?是否忧心预算少了无法应付将来?赶紧PM滚钱趣,我们有专人协助您。

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