“熊孩子险”帮家长转移风险

Core Insights - A recent incident in Shenzhen involving a child throwing a wet paper ball that damaged a private car has sparked social attention, highlighting the financial implications for parents due to their children's actions [1] - The emergence of "bear child insurance" has been noted, which is designed to help parents transfer the financial risk associated with their children's accidents [1] Group 1: Insurance Overview - "Bear child insurance" is distinct from typical child insurance as the insured party is not the child but the guardian or parent, covering liabilities for damages caused by minors [1] - Major insurance companies such as PICC, Ping An, Pacific Insurance, and China Life are offering this type of insurance, with premiums ranging from a few yuan to several dozen yuan [1] - Coverage amounts can be selected based on consumer financial situations, typically ranging from 10,000 to 500,000 yuan, and generally includes third-party bodily injury and property damage [1] Group 2: Policy Details - Some policies explicitly exclude coverage for intentional acts by parents, injuries or damages to family members, and damages caused by the child being incited [2] - High-value items such as digital products and jewelry are often excluded from coverage, emphasizing the need for consumers to compare policies and read contract terms carefully [2] - Solid evidence, such as photos or videos from the accident scene, is required for claims processing [2]