孩子车子成保险重心 家中经济支柱最该被保险
昨天是孩车全国保险公众宣传日,岛城多家保险公司举办活动宣传普及保险知识。成保记者采访发现,险重心随着人们生活水平的中经柱最上升,青岛保险深度和密度都有了较大幅度的济支提高,然而市民在购买保险过程中仍然存在不少误区,该被仍然存在重车险,保险轻财险;重孩子,孩车轻大人等现象。成保青岛保险行业协会专家介绍,险重心消费者在购买保险时首先应该考虑家庭资产承受风险的中经柱最能力。
现象
市民热衷给孩子车子买保险
2014年,济支全国财产险保费收入达到保费收入7203.38亿元,该被而当年车险保费收入达到5200亿元,保险车险保费占据了财产险总保费规模的孩车72%。车险在财产险中所占据的巨大比例,也从侧面说明了其他险种的尴尬地位。岛城某财产险企业相关负责人介绍,普通消费者在购买财产险时首先考虑的就是车险,事实上,与普通消费者息息相关的还有家财险、防盗险、火灾险等险种,但在中国消费者的观念中,汽车是花费了家庭积蓄购买的财产,并且发生事故的概率相对较高,因此投保积极性较高。而类似于家财险、盗抢险等险种出事概率较低,因此投保人普遍不太积极。
寿险领域也存在着诸多误区。平安人寿发布数据显示,中国人在进行保险消费时存在明显的“只为孩子投保”的现象,数据显示,投保人中18—40岁的成年人占绝对多数,而被保险人则以17岁以下的未成年人最多,占总数近四成。岛城某寿险企业相关负责人表示,与儿童相关的险种是目前公司最热销的保险之一,家长出于对孩子的关爱会从孩子小时候就购买保险。
故事
家长为4岁孩子规划至60岁
市民张女士在孩子四岁时就已经通过购买保险规划好了孩子60岁以后的生活。张女士前不久从某保险公司为4岁的孩子购买了一款少儿终身寿险,为此,她需要每年缴纳保费7000元,交费期限为20年,总投保金额达到14万元。张女士告诉记者,购买了该笔保险后,孩子的一生几乎都有所保障,除了拥有近50万元的人身保障外,孩子在60岁以后最高可领取将近百万元的养老金。记者采访多家保险公司了解到,类似的情况并不是个例,家长已经成为寿险市民的主力军,有条件的家庭甚至在孩子刚两三岁时就为孩子把保险买到了八十岁以后。
在财产险领域,市民对车险的一边倒态度也成为不争的事实。记者采访身边多位市民了解到,许多市民对保险的认识还只停留在车险上。市民王先生告诉记者,家里唯一购买的保险就是车险,现在机动车出事频繁,一旦出险即便是小磕小碰也会造成不小的支出,因此心甘情愿为爱车购买全险。王先生的想法代表了许多消费者对保险的态度。
建议
家中经济支柱最该被保险
“近几年来,青岛市民的保险意识正在逐步提高,无论是对待财产险还是寿险的态度和观念都有了显著变化。 ”青岛保险行业协会专家告诉记者,市民在购买保险前首先要树立正确的风险意识,对个人和财产进行全面的风险评估,在此基础之上再为自己投保。以财产险为例,在汽车事故高发的大背景下,几乎所有车主都对车险的投保形成了共识,事实上,除私家车以外的家庭财产同样存在风险。而针对寿险领域,家庭的稳定幸福才是孩子健康成长的关键。所以,建议将保险的投保重点可以放在父母身上。(青岛晚报/掌上青岛/青网 记者 李沛)
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