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寶寶教育險有必要買嗎 教育險有利有弊看完再決定

出處：媽媽育兒網日期：2018-11-20 12:04:26編輯：Rainbow

就目前的社會中，越來越多的人都很注重保險意識，從寶寶還很小的時候開始就已經夠來了醫(yī)療和重大疾病保險，但不少家長都發(fā)現一個問題，很多保險人員指導自家有小孩，就會推薦購買保險，而這個保險就是教育險。確實沒錯，現在很多父母在寶寶出生之后就買了各種各樣的保險，其中就包括了寶寶的教育險，其實要說買保險的話，不少過來人媽媽或者專家都先推薦的醫(yī)療和重疾保險，其教育險都只是有閑錢的才考慮。

但是如今的父母，只要聽到是關于寶寶未來教育的，立馬就關注加深，那么給寶寶購買教育險是一種責任還是真的是一件有必要而為之的事情呢？不少爸爸媽媽都在納悶，這寶寶教育險真的有必要買嗎？購買教育險有何利弊？下面，就針對于寶寶教育險的這些問題，我們來細說分析一下。

寶寶教育險有必要買嗎

1.給寶寶購買教育險的好處就是等到孩子在初中和高中以及上大學這幾個時期可以得到教育基金補助之外，還包括了畢業(yè)之后的婚嫁基金以及創(chuàng)業(yè)基金，就連以后退休了還有相關的養(yǎng)老基金等，一個教育險就包括了這些，不少家長還是覺得很值得的；

2.網上的不少父母也都認為，孩子在的教育花費只會越來越大，但是很多時候又無法保證作為家長的自己能夠長期且堅持以及定期的給孩子存到錢，因此就可以考慮給孩子購買成長階段中必須要的教育險、健康險以及意外險等；

3.但是教育險，也就是教育儲備金要在15歲之后，依舊是說孩子上了高中之后才開始每年領取，雖然能夠一直領取到大學或者婚嫁以及創(chuàng)業(yè)的，但是誰又能夠保證這其中的生活水平不增加，而到時候領取到的保險基金也都變成了杯水車薪？

4.因此不少的網友乃至爸爸媽媽都覺得，只要給孩子購買了醫(yī)療和重疾保險的，真的有那個閑錢的話可以給孩子考慮購買教育保險，但是要知道的是教育保險要等到一定的時間才會發(fā)揮起教育基金的作用。

5.因此，想要投資教育和投資孩子未來的家庭，必須在確定給寶寶購買教育險的時候做好以下的準備：

（1）確定孩子是在國內讀大學還是留學，以及是否是上普通高中或者是名校高中的目標，理清楚未來的需求；

（2）必須了解目前一些學校和名校的費用狀況和學費走勢，預支一下孩子上大學的時候大概需要多少錢；

（3）最主要的還是書里自己的財務，家庭收入和支出等，解決自己有沒有錢存，有多少錢存的問題。

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