If you want to know how a product is, you must first master the relevant information of the product and have a general understanding. The insurance purchase rules and protection contents include key concerns, considering what you can insure and what requirements you need to buy insurance. Let's take the accident insurance of Zhong 'an Little Naughty Boy No.2 as an example:
1, purchase insurance standard
(1) Insurance age: 30 days after birth-17 years old.
(2) Insurance period: 1 year.
(3) Hospital outpatient category: Grade II and above public 3A hospitals.
2. Ensure the specific content
This product includes three version numbers, namely basic version, classic version and distinguished version. Different versions guarantee the same specific content, but the credit line price is different. The main details are as follows:
Method 2: See if the product is outstanding.
There are many comprehensive accident insurance for children in the financial market, and many products have the advantages of low price and all-round protection against accidents. Therefore, if the products do not highlight the bright spots, they will not be able to break through among many products. Let's take Zhong 'an Xiaourchin No.2 accident insurance for children as an example:
1. Coverage of reimbursement for unexpected medical expenses is wide: medical expenses are not limited to social security reimbursement, and there is no exemption. Can be reimbursed according to 100% cost, which is very easy to use.
2. High applicability of optional obligations: you can choose to accidentally swallow dirty things for diagnosis and treatment, accidental fracture/shoulder dislocation, and accidental hospitalization allowance guarantee. This obligation is very useful to children.
What are the advantages and disadvantages of Zhong 'an Xiaourchin No.2 accident insurance for children? Method 1: Look at product accident medical insurance.
When buying accident insurance, the first concern is accident medical insurance. Therefore, in these products, other responsibilities can only be compensated if they meet the death/disability standards, which is a high compensation threshold. The compensation cost of accidental medical treatment is low, and the medical expenses within the scope of obligation can be reimbursed, so the probability of using it in daily life will be much higher. Let's take the accident insurance of Zhong 'an Little Naughty Boy No.2 as an example:
The accident medical insurance for this product is very good. The accidental medical insurance of the three insurance plans is not limited to the reimbursement of individual social security 100% expenses, and there is no exemption limit. It is not difficult to see that the accidental medical application of this product is very high. At the same time, you can also choose an accidental hospitalization allowance of 100 yuan/day, which can fill the accidental medical insurance and reduce the loss of medical expenses.
Method 2: See if other accident protection is comprehensive.
Different accident insurance products contain different specific protection contents. Generally, there will be accidental death/disability and accidental medical insurance. It will be more beneficial to the beneficiaries if some special guarantees can be provided. Children's accident insurance is best to protect adult liability insurance, vaccines and accidental fractures. Let's take the accident insurance of Zhong 'an Little Naughty Boy No.2 as an example:
This product basically undertakes the protection of accidental death/disability, accidental medical treatment, diagnosis and treatment of accidental burns and scalds, and special infectious diseases. Basically guaranteed, you can also choose the diagnosis and treatment of accidental ingestion of dirt and accidental fracture/dislocation of shoulder joint, and the accidental hospitalization allowance is 100 yuan/day. The insured can also choose according to the guarantee requirements to ensure all-round protection.