买个“熊孩子险”不再担心宝贝闯祸? .doc

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1、 买个“熊孩子险”不再担心宝贝闯祸? 专家提醒:千万别因此忽视对孩子的教育 1国内一家大型保险公司在网上推介监护人责任险。(网络截图) 近日外地媒体报道称,江苏地区已经卖出几百份“熊孩子险”。记者咨询一家保险公司,业务人员表示“熊孩子险深受家长欢迎,大连不少家长也购买了该保险”。记者在采访家长时发现,家长们对“熊孩子险”态度不一。有人直呼,该买;但也有不少家长担心赔偿、孩子隐私等问题。专家表示,问题关键在于教育孩子。 什么叫做“熊孩子险”? “熊孩子”是北方方言,相当于“这倒霉孩子”,一般指5到12岁之间,有着极大的好奇心、破坏力的孩子。现在市场上出现的“熊孩子险”,学名为监护人责任险,是一种

2、专门为小孩子调皮行为埋单的保险。 保险公司客服人员介绍,“熊孩子险”的最低参保费需44元,保险期限12个月,责任限额为50万元。其产品特色,无论孩子顽皮打碎邻家花瓶,还是打伤玩伴,担当责任或者进行经济赔偿都不要紧,保险公司会为孩子的过失埋单。 客服人员告诉记者,“此险需要在网上购买,深受家长的欢迎。大连地区有很多家长都为自己的孩子购买了这种保险。 ” 市民小杨称,几年前母亲曾给自己买过类似的险种,“还是比较合适的”,当年保险费用一年一百多。“有一次我踢球时,脚骨折了,一共花了1000多元医药费,保险公司全给赔了。 ” 但第二年保险公司就取消了这一险种,杨先生称,“估计是不赚钱。因此,我认为各位

3、家长在选购熊孩子险前应先算好经济账。 ” 该不该买“熊孩子险”? 记者就“是否愿意购买熊孩子险”的问题,对家长进行采访。有的家长认为可以买试试,有的家长认为买“熊孩子险”不如给孩子买理财险等。 家住沙河口区的孙女士表示,“这个可以有,我儿子去年玩鞭炮不小心伤到邻居家的孩子。儿子今年才8岁,正是爱闯祸的时候,发生一些意外在所难免。买了这个保险就有保障,防患于未然吧。 ” 不过,同是身为母亲的杨女士却不这么认为,“我觉得没必要去买。这份保险可能会让家长推卸自己的责任,或让孩子有我犯错别人埋单的想法怎么办。对于孩子,我觉得更重要的是言传身教。 ” 由于“熊孩子险”对于很多家长是新鲜事物,很多家长表示

4、担忧孩子个人隐私方面。于先生表示,自己孩子出了事情,还要通知保险公司,然后保险公司再立案记录解决。一旦孩子长大后,一些成长记录被别有用心的人调出来怎么办? 专家建议 可以试着购买 但关键在于教育 就“熊孩子险”问题,记者咨询了辽宁大学前校长,日本关西大学名誉博士冯玉忠教授。冯教授表示,就市场经济角度来说,保险公司推出“熊孩子险”是因为有市场需求。这个创意还是比较好的。“若我有小孩儿,我一定会试着去买一份的。 ” 就家长给了孩子买了 “熊孩子险”后,推卸自己责任的想法,冯教授表示,这样是不对的。家长购买“熊孩子险”并不代表自己就可以不用管孩子了,而是在以教育为根本前提的情况下,给孩子的明天多加了

5、一层保护伞。对于无法控制的意外发生后,有部分事后补偿机制。 网友声音 为“熊孩子”的行为埋单,谁为孩子的人格保险? 海边的黄蔚:哪家保险公司推出“熊孩子吵闹害得楼下不安宁睡不着觉神经病险”,俺一定买。 ZJ桦:如果爸爸妈妈在我们小时候知道这个险,肯定会两份全保。 卡卡不飞:我就想知道乱抹妈妈化妆品赔不赔。 hehehelena:买不买就要看孩子的能力了。 Ryan不软:熊孩子归根到底是教养问题,家长应该通过言传身教来引导孩子,从一点一滴做起,怎么可以投机取巧。有人为“熊孩子”的行为埋单,可谁来为孩子的人格保险。 逆袭的锤子:以后比谁家的孩子更“熊”就有标准了。谁家买的保险额度越大,孩子越“熊”

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