2026年春节临近，阖家团圆、走亲访友、燃放烟花、聚餐饮酒成为节日标配。然而，欢庆背后也潜藏风 险：酒后意外、孩童闯祸、旅行延误等事件频发，轻则破财，重则伤人。为应对这些"年关烦恼"，保险 公司设计了场景化、碎片化的特色保险产品，如"安心喝酒保险""熊孩子险"等，以低门槛、高针对性的 保障，为年味增添一份安心。 春节期间，孩子们脱离学校监管，活动自由度大幅提升，燃放烟花爆竹、在商场奔跑打闹、误触贵重物 品等行为频发。一旦造成他人人身伤害或财产损失，家长作为监护人需承担民事赔偿责任。近期，一则 网传视频显示，两名男孩在小区玩耍烟花时，引燃公区内的狗笼，导致笼内犬只不幸死亡，此事引起网 友关注。 实际上，市面上有一类专门针对熊孩子闯祸导致经济赔偿的保险，被称为"熊孩子险"，可以帮助家长转 移风险。浙大城市学院副教授林先平表示，"熊孩子险"本质是监护人责任险，核心保障未成年人过失造 成的第三者人身伤亡与财产损失，部分含法律诉讼费用，可覆盖财物损坏等场景。 北京商报记者浏览各大保险销售平台发现，市面上监护人责任险产品的准入门槛较低，部分产品价格亲 民，最低每月十几元，家长能以很低的成本获得保障。虽然监护人责任险的投保 ...

北京商报讯（记者 李秀梅）2026年春节临近，阖家团圆、走亲访友、燃放烟花、聚餐饮酒成为节日标配。然而，欢庆背后也潜藏风险：酒后意 外、孩童闯祸、旅行延误等事件频发，轻则破财，重则伤人。为应对这些"年关烦恼"，保险公司设计了场景化、碎片化的特色保险产品，如"安心 喝酒保险""熊孩子险"等，以低门槛、高针对性的保障，为年味增添一份安心。 春节期间，孩子们脱离学校监管，活动自由度大幅提升，燃放烟花爆竹、在商场奔跑打闹、误触贵重物品等行为频发。一旦造成他人人身伤害或 财产损失，家长作为监护人需承担民事赔偿责任。近期，一则网传视频显示，两名男孩在小区玩耍烟花时，引燃公区内的狗笼，导致笼内犬只不 幸死亡，此事引起网友关注。 实际上，市面上有一类专门针对熊孩子闯祸导致经济赔偿的保险，被称为"熊孩子险"，可以帮助家长转移风险。浙大城市学院副教授林先平表 示，"熊孩子险"本质是监护人责任险，核心保障未成年人过失造成的第三者人身伤亡与财产损失，部分含法律诉讼费用，可覆盖财物损坏等场 景。 北京商报记者浏览各大保险销售平台发现，市面上监护人责任险产品的准入门槛较低，部分产品价格亲民，最低每月十几元，家长能以很低的成 本获得保障。 ...

Core Insights - The article discusses the increasing risks children face during the upcoming winter vacation, highlighting the need for parents to consider insurance options to mitigate these risks [1] Group 1: Insurance Needs - Parents are increasingly anxious about potential risks during the winter vacation, leading to a growing interest in insurance products for children [1] - Among various insurance products, accident insurance is favored due to its suitability for high-frequency risks during the holiday period, offering low premiums and high coverage [3] - The market for children's accident insurance is characterized by high product homogeneity but significant differences in coverage details, with annual prices ranging from tens to hundreds of yuan [3] Group 2: Selecting Accident Insurance - When selecting children's accident insurance, it is recommended to choose products with medical coverage of at least 50,000 to 100,000 yuan to cover typical treatment costs [3] - Parents should prioritize policies with zero deductible, no restrictions on social insurance medications, and 100% reimbursement to minimize out-of-pocket expenses [3] - Many standard accident insurance policies exclude coverage for high-risk activities such as skiing and ice skating, necessitating the selection of specialized policies or additional coverage for these activities [3] Group 3: Liability Insurance for Children - "Naughty Kid Insurance" is designed to cover financial liabilities arising from children's accidental damages, helping parents transfer risk [4] - This type of insurance, essentially a guardian liability insurance, covers third-party injuries, property damage, and legal costs resulting from children's actions [4] - The market for guardian liability insurance has a low entry threshold, with some products available for as little as a few yuan per month, providing affordable protection for parents [5] Group 4: Considerations for Purchasing Insurance - Parents should carefully review policy terms, focusing on coverage limits and exclusions, as different products have varying maximum compensation amounts [5] - It is important to avoid duplicate coverage, as some children's accident insurance products already include guardian liability coverage, making separate purchases unnecessary [5]

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]