Insurance keiki mai he ulia pakalaki a me ka maʻi. Muli o lapaʻau o nā keiki mai ka ulia

A hiki i ka malamalama 'ōili mai i ke keiki, ua paʻa hoʻololi' ohana ke ola. Ano, na makua i kuleana ole nei, ua nui no ka iho e like me ka hou ke ola o ka mea a lakou i ae e komo i kēia ao nei. Ma ke kaʻina hana o ka ulu i kekahi wahi kanaka pinepine maka he nui ka pilikia a me ka contingencies. I mea no ke aha la oi a oi pinepine ua hoala mai i ka ninau i loko o ke kaiāulu i mea e pono e hoʻolauna haʻahaʻa lapaʻau o nā keiki, mai ulia. Mai ka pilikia a me ka noho pilikia wahi, i hiki, ka mea oiaio e ole hoʻopale ai, akā, e kōkua nā mākua Makuakane me ka hopena o ke kulekele Ua hiki ia oe.

Eia naʻe, muli o lapaʻau, aia nō he wahi lihi iki o ka poe enemi - e like me kekahi poe akamai, ia infringes kekahi kanawai e pono ai, no ka mea, a pau i nā kānaka apau e hooholo pono ia i ka lapaʻau 'ole mai. No nā mamo, o ka papa, a hiki i ka mea, i ka makahiki o ka hapa nui o ka hoʻoholo 'ia e hoikeia mai ia e na makua.

ʻO wai ka mea nele i ka lapaʻau pilikino E pili

I ka lā, he ulia pakalaki i lapaʻau o ke kula a me ka kamaliʻi elemakule keiki i ka naau mai.

Ulia - ia mea unexpected, unpredictable, a aole e hilinai aku ma luna o ka makemake o ka hoʻopaʻa waiwai 'ole ke' entailing paʻa paha? Aiaiiuie hoʻopilikia o ke ola. Mai ka keia, ka mea, ua ike ia, eia nae o ka hoouka kaua ana i keia hihia i kekahi manao e hoʻopale ai ia lakou iho, mai kona waiwai e kela a me keia. I keia mea i ka pā o ka lapaʻau pilikino E pili - ina kāu keiki, Aole loa, i kekahi hana, i ke kuleana, ma ka liʻiliʻi loa financially, e kaʻana like me oe lapaʻau huakai.

Insurance no ke keiki hiki ke uku like me ka hopena o ka:

• traumatic eha - nā palapū la hoomalolo, fractures, sprains a me dislocations, na nā palapū;
• ? aiaiiuie unforeseen ola pilikia - kaʻapu kōheoheo,'ā a me nā like maʻi;
• kīnā o ke kino o kekahi degere;
• make (make) o ke keiki nīnūnē.

Ka lapaʻau aelike i e manao ma ka pili ana i na makahiki o ke keiki i ka mai kekahi makahiki i ka 17 makahiki.

Subtleties o child lapaʻau aelike

Oe ke kuai i ke kulekele koke ma hope o ka hānauʻana, i ka aelike i e manao ia no kekahi makahiki, a no kekahi mau makahiki. IeAUPIIe, IAa IO, e komo ai i ka uku o ka uku i loko o ka hihia ma ke keiki waiho wale aku no i ka hopena o ka unforeseen kulana, a me ka ia i nele i 'inikua noonoo. Insurance aʻole i uhi pono ole maʻi puʻuwai e like me SARS, koe nae ma na hihia a pau o ka maʻi i kaua kipi i ka hopena o ka ulia. No ka laʻana, ina he keiki ua accidentallyʻapu kōheoheo a nolaila, Wehe ae la oia i ka ulcer, ka lapaʻau huakai, e uku no ka iapaau ana o keia maʻi.

Nō hoʻi ka mea, ua kekahi mau hiʻona a me ka ulia lapaʻau ana o na keiki i ka haʻuki. Maanei, ua pono loa akahele ia, o ka oi aku ka poe makua nona na keiki i komo i loko o traumatic haʻuki - karate, nô hoʻi, ka mokomoko, gymnastics, a no laila, ma luna o. I ka mea i loaʻa mea nui, i ke ano o ka hana hea ka pela mai i loko o ka aelike. Kekahi koho hiki e lapaʻau i ka wā o ke komo i loko o ka Competition - ka lapaʻau ka ho'ēmi, akā,ʻaʻole ia, e uhi i ka lilo o ka hana maikaʻi i ka poino i ka mau aʻo.

Kahua. He aha ka mea i

Ano, e ka kamailio e pili ana pehea e hiki e lapaʻau o nā keiki, mai ulia. Nā kulekele o ke VHI (no ka naau mai nā hui 'inikua) hiki ke maheleia i loko o nā pūʻulu ke kaumaha ma muli o ka manawa, makahiki i ke keiki i ka, a, o ka papa, i ka papa inoa o ka lapaʻau koi ana.

Kekahi lapaʻau kula, e kaumaha akuʻoe i ka palena iki o nā papahana elua:

• ole-hooki pilikino E pili;
• ? aiaiiuie lapaʻau.

E like me ka inoa hoʻohuʻu, ma ka hihia mua, i ke kulekele, e uhi i nā koina o ka iapaau ana o ka hewa a hiki i ke keiki ma kekahi manawa o ka lā. ? Aiaiiuie iaʻikepili i malama kāu keiki, no ka laʻana, ma na hihia:

• i loko o ke ahiahi, i ka wa i hele;
• ma ke kipa i ka kekahi haʻawina - kemika, physical ka hoʻonaʻauao, hana aʻo;
• no ka wā o ka noho ana i loko o ka kindergarten a me ke kula;
• i ka makaikai i nā haʻuki pauku.

Ma waho aʻeo i ka walaʻauʻana lapaʻau pilikino E pili, a no ka hana na keiki e hele ana i haʻuki na newa, he mea kekahi polokalamu i kōkua hoʻopale ai i kāu keiki no ka makahiki e hiki mai ana. Kēia no laila,-kapa makauliʻi lapaʻau. Ke ae pā o kēia polokalamu e like penei:

• makua manao me ka lapaʻau kula o ka lōʻihi-kau aelike, no ka laʻana, i ka hiki ana mai o ka makahiki o ke keiki;
• malama mākua ma laila 'o ia i ka mooolelo o ka lapaʻau huakai he uuku nui o ka aelike a pau manawa;
• i ka manawa o ka hoʻopaʻa waiwai hanana poe uhi i ka lilo o ka lapaau ana o ke keiki a me ka mea a pau uku no;
• ina no ka mea holoʻokoʻa wā o ka aelike me ka mea i hanaia mai ai i ka hoʻopaʻa waiwai keiki, 'ole, E, ke kulekele mea i pono keia mau mea, o ka poe uku i ka huina dala i hoʻokumuʻia e nā mākua.

He keia ano o ka lapaʻau e ho onui ana i keia la i ka loa hanohano, e like me ka mea i malama ole wale i ke keiki, akā, no hoi e leie aku oe i seamlessly ho'ōla loa aku ka nui dala, no kekahi laʻana, ma o kona aʻo.

lapaʻau schoolchildren

No nui lapaʻau o na keiki mai he ulia pakalaki, a illnesses i kā lākou mau kipa ana i na kula. Oiai ma ke kula no ke keiki e halawai me ke kumu, ka mea, he poe wale ole kāohi hiki ke malama i Track o no laila, he nui na keiki i kekahi manawa. E mau loa ike i kekahi haumāna hiki ia oe, e noho ana ma kekahi wahi, i ka wa e hea aku i ka haʻawina a ke keiki ka mea i ike ole e holo a huki i ka pigtails a Paka i kona iho ano? Paha, i kēia mau mea, akā, ia mea, aole i he koe.

I mea no ke aha la he nui lapaʻau nāna e kaumaha aku i kūikawā kūkulu 'ia e hōʻoia' hou hoomalu ana i kāu keiki i loko o ke kula hola. Ka lōʻihi like 'ole o ia kūkulu' ia ka IeAUPIIe, IAa IO kālaiʻike makahiki - 9 months. Ka mea, kumu hoʻomalu uku i loko o ka hanana i ke keiki uaʻeha i loko o nā paia o ke kula, akā, ma ke ala a hiki i a mai ke kula kāu keiki e hooleiiaʻi mawaho.

kāki no ka kulekele

Insurance keiki mai he ulia pakalaki i komo i loko o na mea he nui risky wahi. He mai ko lakou helu, e hilinaʻi ma ka lilo o ke kulekele. oe makemake e hookomo i loko o ka aelike i ka hou 'ikamu, ka oi pipiʻi, e loaʻa i ka uku.

Ke kumu o ka lapaʻau kulekele hiki hoʻomaka ma 100-150 rubles i ka mahina, ka mea kiekie loa hookolokolo i e 20-30 tausani rubles o ka makahiki a oi. He aha e koho, a pehea ka nui o ka uku - e hooholo no oe ia oe iho.

Pehea e emi i ke kāki kumukuai o ke kulekele

E like me oe i ike, lapaʻau o nā keiki a me nā schoolchildren ulia hiki ia he 'ano nike a me ka loa pipiʻi. Inā 'oe i ole nele i ka pono, nui pono. A me ka mea e pili ana i ka poe i makemake e insure kāu keiki, akā,ʻaʻole he pono aku financially? Aia i kekahi mau mea e hōʻemi ai i ke kāki kumukuai o ke kulekele. nō kekahi o lākou iʻaneʻi:

1. E ho'āʻo i ka hoʻolālā i ka like lapaʻau, no ka laʻana, hoʻomaka i ka noho i waena o nā mākua, a insure ka a pau ka papa ma kahi hoʻokahi. Ma keia hihia, e hiki ke helu i ka nui uku ho'ēmi.
2. Pono heluhelu i ka aelike, a, e hookaawale ia mai ia mau 'ikamu i e ole hoopii oe. No ka laʻana, he nui poʻe e hana ana ma ka aelike muli o vaccination a malama e hele ana ka hoʻomaikaʻi lomilomi.
3. Hookaawale ia mai ka lapaʻau hihia kahua niho lawelawe - ia Ka loa pipiʻi, e hiki'ē i loko o ka hihia o ka, e hana i kā lākou mau hana.
4. E lohe i ka franchise - keia mea e like me ka ka palena haʻahaʻa dala ma a na lilo i ole reimbursed. No ka laʻana, ina ka deductible mea 500 rubles, a me ka eha lapaʻau he mea ho'ēmi, alaila, o ka lapaʻau poeʻoe e loaʻa kekahi mea. Inā lapaʻau mea pono, no ka laʻana, 800 rubles, ke kulekele e uhi wale i ke koena unuhi - 300. Inā ka franchise mea,ʻaʻole i hiki mai - lapaʻau Ua oi pipiʻi.

Pehea ka nui o hiki oe kiʻi

Child ola lapaʻau e ku e ia he ulia pakalaki komo ai ka helehelena a piha uku, ka mea a pau hilinaʻi nui ma luna o ka oolea o ka hewa. I kā mākou uku ua ana i hoakaka ia ma ka hihia o ka mākaʻikaʻi kīnā o ke kino a me ka make hanana. O na papa, na lalo ke kāki kulekele, no ka lalo e ia i ka nui o ka lapaʻau uku. Ua hiki ke ho omaulia ka hola no laila, - i ke kulekele waiwai o ma kahi o 0.5 e 1.5% o ka uku, e hilinai ana ma ka hanana o ka hoʻopaʻa waiwai hanana. Eia naʻe, he mea he unspoken rula - ka oaeuiinoe uku hiki ole e oi aku mamua o 2 miliona rubles.

He aha e pono e hana, e loaaʻi ka uku no ka lapaʻau

Ka Uku ma lalo o ka aelike me kekahi lapaʻau poʻe 'aʻole e hilinaʻi ma ka nui o na ae like ana i ua manao me nā kulanui. Kēia 'o ia hoʻi ia oe ke kuai lapaʻau i ka elua a ekolu okoa poʻe, a ma hope o ka ulia i loaa uku ia ma kela a me keia o ia mau mea.

Insurance keiki mai he ulia pakalaki pele hoakaka ana mai o ka la o ka ulia oe i ka pilikia i loko o nā lāʻekolu, hoike aku i ka poʻe i loko o kekahi alanui e hiki.

I mea e uku, e pono e hoomaopopo ai i loko o ka UK:

• ka aelike;
• lapaʻau;
• he palapala e hookupaa aku ana i ka hanana o ka hoʻopaʻa waiwai kekahi hanana.

No ka mea, ua palapala i komo:

• A palapala mai ka trauma kikowaena;
• 'inikua hoakaka mai i ka' inikua ai ahonui kāleka;
• e hooiaio ai no ka makaukau 'inikua papa ma ka hookohu ana o ke kīnā o ke kino o kekahi mea hoʻoponopono;
• palapala o ka make ana o ka hoʻopaʻa waiwai (palapala + kope).

Nō hoʻi, no ka lapaʻau poe e noi palapala hou e hookupaa aku ana i ka hanana o ka hoʻopaʻa waiwai kekahi hanana.

Pehea e hana i aelike

Insurance keiki mai he ulia pakalaki, e like me kekahi 'ē aʻe' ano o ka lapaʻau - ia mea he mea. Oe e Pono e hana i ka moʻo o ka mea me ke kapuai hookahi.

• koho i ka lapaʻau hoa a pau;
• pono huli i nā koho a me nā hua'ōlelo o ka hana (loiloi mua kūkā, e 'oluʻolu e kelepona a kipa i ka poe o ka pūnaewele);
• koho i ka mea kūpono lapaʻau polokalamu;
• hoomakaukau mai i na palapala e pono no i ka hopena o ka aelike (IeAUPIIe, IAa IO wale nō e pono ai i kou palapala holo'āina'ē a me ka palapala hanau);
• kakau i ka aelike, a uku aku la ia ia.

E like me 'oe ke ike, a pau ka loa mea, a me ka hoʻomaʻamaʻa kākaʻikahi lawe oi ma mua o ka hapalua o ka hora.

E koho lapaʻau polokalamu

Inā 'oe e olelo i ka aaeno i ke keiki ka ulia lapaʻau, maoli kanaka ka poe i hoʻohana i nā lawelawe o ka kekahi IC, e kōkuaʻoe e ka wae akau. He aha e nānā no:

1. Koho i hui me ka maopopo Track moolelo, heluhelu i nā hōʻike manaʻo e pili ana i kona 'ē nā mea mālama mai. No hoʻolohe i ka hopena maikaʻi - e pau ai ka "pitfalls" e ana i ho'ākāka 'ia i loko o ia mau mea.
2. Manaʻo hou ma mua makou manao i ka aelike, a ho'āʻo i ka ewaewa ole loiloi i ke kino ano o ka keiki. Inā kou kamaiki -ʻeleu kanaka, hiki ia ia i ka eha wahi manawa hookahi, koho i ka polokalamu, uhi hiki a pau ka pilikia. Inā 'oe e laki lawa ia i ke keiki me ka awelika a me ka palena iki kiʻekiʻe o ka haʻawina, ka polokalamu me ka walaʻauʻana lākou o nā mea kiko'î mea he pono.

mākua kekahi thoughtlessly manaoio i ke keiki ka lapaʻau - o ka waonahele o ke kala. O ka papa, kela mea keia mea o mākou manaolana ia aole i kana keiki i ka mea, aole no hoi me ka mea ino, e hiki mai ana. Eia naʻe, maikaʻi nō hiki e hoʻopale ai i na keiki, mai ulia.