industry experts say that the essence of this kind of insurance is "third party personal liability insurance" or "guardian liability insurance". At present, China Pacific Insurance, China Ping An, Sino-Italian Property Insurance, Shidai Property Insurance and other insurance companies have launched related products.
Take the "Guardians Liability Insurance for Xiong Haizi" launched by Sino-Italian Property Insurance Company as an example. This product has four protection schemes, with a guarantee period of one year, and the insurance amount ranges from 5, to 5, yuan, and the corresponding premium is from 2 yuan to 12 yuan. If the insured and the ward (ward) of the insured cause personal injury or direct loss of property to a third party due to negligence in the People's Republic of China (excluding Hong Kong, Macao and Taiwan), the insurer shall be responsible for the economic compensation that the insured should bear according to the law.
in addition, if the insured is brought to arbitration or litigation due to the insured accident after the insured accident, the insurer shall also be responsible for compensation for the arbitration or litigation expenses paid by the insured and other necessary and reasonable legal expenses paid with the written consent of the insurer in advance.
It is worth noting that the insured of guardian liability insurance is not the "Xiong Haizi" at home, but the parents. The claim adjuster of the relevant insurance company explained, "In fact, this kind of products mainly transfer part of the guardian's responsibilities undertaken by parents to the insurance company in the form of risk transfer. For example, suppose that one's own child accidentally injures a car parked on the side of the road or causes injuries to a small partner while playing football in the community, and the owner or the parents of the injured child demand compensation. At this time, the parents of the child in trouble are legally liable as legal guardians. If the parents purchase this insurance, the insurance company will make corresponding compensation and bear the economic losses caused by the child's trouble for the parents. "
There are different compensation standards for "trouble"
The emergence of "Xiong Haizi Insurance" can indeed make some parents of naughty children breathe a sigh of relief, but not all the "troubles" caused by children can be paid or fully paid through insurance.
specifically, the exemption clauses of most of these products stipulate that the insured or adult family members who live with him * * * instigate the guardian, the intentional behavior of the insured, the personal casualties and property losses of the insured and his family members, and the liability for compensation caused by the fact that the ward is a mental patient. Fines, fines and punitive damages, as well as wars, hostile acts, military actions, strikes, riots, riots, etc. are all exempt from compensation. In addition, some products stipulate that portable electronic products, including portable computers, mobile phones, portable players, electric razors, cameras, camcorders and other similar products are not covered.
some products include accidents that may be caused in some sports, such as the insured's participation in volleyball, football, basketball, archery, skating and other sports, as well as the responsibilities and expenses caused by the above-mentioned pre-sports preparation activities, and the insurer will not bear the insurance responsibility.
On the other hand, deductible and limit are also issues that insurance consumers need to pay attention to when applying for insurance. For example, some guardian liability insurance sets the deductible as "1% of 2 yuan or property loss, whichever is higher", that is, if the financial loss caused by the child is below 2 yuan, the insurance company will not pay; If the financial loss is 5 yuan, the insurance company will pay (5-2) = 3 yuan; If the financial loss reaches 3 yuan, the insurance company will pay 3-(3 * 1%) = 27 yuan.
There are also insurance companies that will set single/single claim limits, such as "the medical expenses for each accident are limited to 2% of the total limit, and 3 yuan is exempted; The limit of each accident and accumulated compensation for property loss is RMB 5,, and the absolute deductible for each accident of property loss is RMB 5 yuan. The amount of compensation for the legal expenses borne by each accident does not exceed 1% of the compensation limit for each accident. It is recommended that insurance consumers pay attention to screening when choosing specific products.
Don't forget the accident insurance for children
In addition to using insurance to pass on the third-party losses caused by children's naughty troubles, it is also important to protect the children themselves when they are hurt.