태아보험 가입시기 Sign up for fetal insurance, from timing to price, what are the precautions?

태아보험 가입시기[Jeju Traffic Welfare Newspaper Reporter Jeon Min-jun] Non-life insurance companies are strengthening the competitiveness of children’s insurance products and targeting consumers. It differentiated itself by strengthening guarantee benefits and diversifying special contracts.

The reason insurance companies are focusing on selling children’s insurance is because face-to-face classes and on-campus activities are expected to increase due to Corona. As the amount of outdoor activities increases, the importance of products that protect children from external dangers that can occur in everyday life is being emphasized.

Since fetus insurance can be subscribed to not only the fetus but also those in their 20s, the insurance industry is actively using it as one of the means to increase contact with younger customers.

In the midst of fierce competition among insurance companies, the insurance ranking comparison service is also attracting attention.

“As the burden of medical expenses for newborns rises, fetus insurance that covers congenital diseases is popular,” said an official from a child insurance comparison site for fetuses. Why does the product continue to attract attention even though the total number of births decreases every year?

Fetus insurance is children’s insurance with the addition of a special contract for the fetus. Through the composition of collateral and special contracts, hospitalization in an incubator and congenital abnormalities can also receive insurance money. Depending on the maturity setting, it is possible to economically plan lifetime insurance for children by guaranteeing up to 100 years of age as well as under 30 years of age. The problem is that it is difficult to say that you have good insurance just because the insurance premium is low or the number of special contracts is high. Insurance can have different advantageous designs depending on the subscriber, so it is easy for general consumers to experience confusion.

The first thing to check is when to sign up. Prenatal insurance differs from insurer to insurer. To be precise, there is a difference in the subscription period for fetal special medicine and maternal special medicine. If you want to prepare for coverage related to pregnancy and childbirth, you must subscribe until the 22nd week of pregnancy based on all insurance companies. In addition, as the closer you get to the end of pregnancy, the higher the probability of rejection due to illness or injury, experts recommend joining in the early stages of pregnancy. As a result, many subscribers prepare to sign up within 10 to 20 weeks of pregnancy. However, it should be noted that the subscription period may vary depending on the condition of the mother and fetus, such as △artificial insemination △in vitro fertilization △twins △administration of miscarriage prevention injection.

The official emphasized that when subscribing to child insurance, the insurance should be properly configured according to the growth cycle. “Since fetus insurance coverage is wide, there are not a few customers who sign up for unnecessary special contracts,” he said. Since fetal insurance is a long-term guaranteed product, it is important to carefully check and configure the design differences according to the pure guarantee type and the maturity refund type. This is also the reason why comparison sites that can objectively compare expert recommendation rankings and subscriber popularity rankings are gaining popularity.

In addition, a child insurance comparison site for prenatal subscription can be helpful to consumers who are having difficulties signing up for insurance in a direct way. This is because it is relatively easy to check the difference in guarantees and benefits by simultaneously comparing insurance companies that sell prenatal insurance for children, such as Hyundai Marine & Fire Insurance, Meritz Fire & Marine Insurance, and KB Insurance. In addition, it is necessary to consider the stability of the company rather than the subscription gift, but companies that put forward expensive fetal insurance free gifts (strollers, car seats, baby carriers, etc.) are likely to be insufficient in follow-up management. An official added, “It is helpful to check whether the site is managed by the Financial Supervisory Service for reliable service use.”

An official from the non-life insurance industry commented on the price difference of children’s insurance, saying, “The age of subscription and the details of coverage are large for each product.” do,” he advised.

■ Precautions when subscribing to fetus insurance

Children’s insurance fetal subscription products are covered after birth.
Please familiarize yourself with the product manual and terms and conditions before signing an insurance contract.
If the policyholder cancels the existing insurance contract and enters into another insurance contract, the insurance underwriting may be rejected, premiums may increase, or the contents of coverage may change.

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Publisher : Moonho Lee | Editor : Yuju Seo | Registration number: Jeju, A01068 | Registration Date : 2016.10.11 | Email: news@jejutwn.com
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Last edited: July 23, 2023 13:51

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