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Child Plans in India

By Puneet Subscribe to RSS | December 30th 2011 | Views:
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When it comes to bringing a child into the world, you have many responsibilities as a parent. They range from the obvious short-term care, such as your child’s health and their well-being, to the complexities of long-term goals. Naturally, parents are going to want the very best for their little ones. As a parent, you need to start planning early on for the future of your child because they will not be able to do so themselves. In today’s society, the great thing for the up-and-coming generation is that they have an insane amount of career choices that they can choose from. But let’s face it, the majority of these choices are far from cheap; most of them are far from being affordable. Luckily for the parents of India, there are many Child Plans that will not only help with finances and save money, but they can help parents build their child’s entire future.

In the past 20 years, Child Insurance Plans, in countries such as India, have changed a great many ways, and for the better. Although there are many different kinds of policies and Children Plans, if you do your research and spend enough time with it, you can come to an arrangement that will not only be the best for your child but will be best financially for you as well. It is always advisable to choose a Child Plan that will cover at least seven times your annual income so that if something happens to you, your child and your spouse will be provided with adequate cover. It is very simple to determine the life cover of Child Insurance Plans. For example, if the duration of your plan is 20 years and you are paying Rs. 40,000 every year, the life cover will be 4 lakh.

It is very important to remember that when you are deciding on the kind of Child Plan Policy you would like to get for your kid, you should plan, plan, and plan some more! It is very important to make a rock-steady plan; one that will benefit your child as much as possible and one that will help them reach their lifelong goals and ambitions. You can never start planning too early; the earlier you start, the better the chances your child will have at succeeding in their life. It has become quite popular for parents of India to start planning for the future of their yet-to-be-born babies. Some might say this is too controlling, but many believe that it is beyond necessary to select the best possible Child Plan Policy so you can make sure that the little ones will have all the opportunities to do whatever their heart desires. Other plans will allow you to protect your child in many ways as well; in case the unfortunate happens and the parents pass away, the child will be then be taken care of financially.

The Four Best-selling Child Plans in India are:

1. Child Dream Plan by Birla

2. YoungStar Super II by HDFC Life

3. Headstart Future Protect by Kotak

4. Smart Kid by ICICI

Death benefit is provided by all plans. HDFC Life provides a critical illness benefit as well as a death benefit.

Puneet - About Author:
You can learn everything you need to know about children plans and find details about the benefits of child plans at HDFC Life now.

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