(1) accident insurance
Children are curious, lively and active, but have a poor sense of self-protection. They belong to a vulnerable group in society and are more likely to have accidents. According to the latest statistics, accidental death in childhood is increasing at the rate of 7% ~ 10% every year, and the proportion of accidental death and injury in some areas is as high as 1: 19, which has become the first cause of death for children aged 0 ~ 14 in China. The main causes of accidental death are accidental suffocation, drowning, traffic accidents and poisoning, among which the increase in traffic accident mortality is particularly significant. The main causes of accidental injuries are falling, burns (scalds) and animal injuries. At present, accidental injuries have surpassed diseases to become the number one killer of children's health.
Children's accident insurance covers economic losses such as high medical expenses incurred by children under the age of 18, as well as personal protection such as accidental disability and death. Therefore, parents can buy accident insurance for their children as appropriate, and once their children have an accident, they can get certain financial compensation. This kind of insurance is generally consumer insurance, which costs only tens to hundreds of yuan a year, and all insurance companies have introduced it.
Tip: buying this kind of insurance doesn't mean you don't have to worry about your child's safety from now on. It just means that you can get some financial help and compensation after your child has an accident.
(2) Medical insurance
In family life, there are mainly two kinds of expenses related to baby's health: one is the child's serious illness; One is that the child is hospitalized. At present, major diseases tend to be younger, such as malignant tumors such as leukemia, and specific major diseases that infants are prone to, such as Kawasaki disease and severe myocarditis. Therefore, sharing the baby's medical expenses with insurance has become an important factor to be considered when insuring children's insurance.
At present, the common childhood diseases are mainly respiratory and digestive tract diseases, such as upper respiratory tract infection, bronchitis, pneumonia, diarrhea and so on. , often hospitalized, accumulated a high cost. Therefore, when considering buying insurance, parents are advised to buy additional hospitalization medical insurance and hospitalization allowance insurance. In this way, if the baby is hospitalized, most medical expenses can be reimbursed, and hospitalization subsidies ranging from tens to hundreds of yuan can be obtained every day.
Third, the "free premium" function is very important.
"Premium exemption" is an item that can't be ignored when buying children's insurance, especially insurance with a long insurance period. Premium exemption means that when the insured loses the ability to work or dies due to illness or accident, he can be exempted from paying the remaining premium, and the insured can still enjoy the insurance responsibilities listed in the policy.
For babies, the biggest guarantee is not only insurance, but also parents. Parents should pay attention to the premium exemption clause when buying insurance for their babies, especially life insurance and health insurance, which is equivalent to adding an extra layer of insurance. At present, many children's insurance on the market have premium exemption clauses, so there is no need to buy additional insurance. If there is no premium exemption clause, you might as well buy them as additional risks, which will increase tens of dollars.
Buying insurance is just like buying other products. You should shop around and choose the one that suits you best. Don't just listen to the introduction of the business people, read the publicity page. It is very important to read the terms and conditions, and see clearly the scope of protection and exemption from liability.
Child insurance
To alleviate the financial pressure of medical expenses brought by children's growth to families, only 100 yuan is needed for the whole year. There are high accidental injuries, hospitalization, and serious illness protection for children. Self-service card products can be given to others.
China Life Guangdong Branch has a "Sunshine Baby Lucky Card" specially designed for babies. All full-moon babies can have it, including accidental injury, accidental medical treatment, accidental disability, accidental burns, hospitalization due to illness and hospitalization allowance. Comprehensive protection, affordable.
220 yuan/year
A/b mode of centennial life baby card
30,000 yuan, including illness and death.
In proportion (ranging from 10% to 100%), the maximum is 30,000 yuan.
5000 yuan, 100 yuan free of charge, 90% compensation.
Hospitalization due to accident or illness is up to 6,543.8+10,000 yuan, 654.38+ 000 yuan is free of compensation, 50% below 3,000 yuan, 60% between 3,000 and 6,000 yuan, 70% between 6,000-10,000 yuan, and 80% between 65,438 and 30,000 yuan.
1 ten thousand yuan
30 days
0-2 years old 350 yuan/year, 3- 17 years old 150 yuan/year.
Ping 'an Endowment Insurance Company Children Ping 'an Card
Fifty thousand yuan
Accidental medical treatment: 50,000 accidental hospitalizations and 5,000 accidental outpatient services (50 yuan is free of compensation and 90% reimbursed).
1 ten thousand yuan
30 days
100 yuan/year
Precautions for insurance
Understand the scope of protection. Parents should see clearly the scope of protection when buying accidental injury insurance for children. Except AIA, which can reimburse 100 yuan for self-funded drugs, no other company can reimburse self-funded drugs. For example, if a dog bites rabies vaccine, AIA's children can be reimbursed for imported vaccines in case of accidents, but other companies cannot reimburse them. Accidental medical expenses are generally deductible, so they must be above the deductible to be reimbursed in proportion. Some have hospitalization insurance, others don't. Therefore, parents must find out the scope of protection before insurance, and choose the appropriate accident insurance products according to the baby's existing protection.
Understand insurance procedures. In addition to AIA's formal insurance policy, other child accident insurance listed above are card products. In other words, after purchasing the accident insurance card form, parents can call themselves or open it on the website of the insurance company, then print the electronic version of the insurance application form and insurance contract and save it themselves. In addition, children's accident insurance of general joint venture insurance companies is in the form of insurance policy, and you can consult the insurance agent for specific purchase.
Understand the claim process and required information. Generally speaking, the handling of sudden emergencies is not restricted by hospitals. If you are hospitalized, the general requirement is a hospital above the second level. The information required for claim settlement includes the original contract or a copy of the accident card, a copy of the applicant's ID card, a copy of the bank card, an emergency medical record, a list of expenses, and a summary of the hospitalization.
Know the amount of death insurance. The maximum insured amount of children's death in Beijing, Shanghai and Guangzhou is 654.38+10,000 yuan. When choosing accident insurance for children, we should pay attention to the limit of death insurance, and don't blindly think that more insurance is needed.
Pay attention to the product mix. With accident protection, it is suggested that you can also give your baby a protection against major diseases. Generally speaking, the rate of children's critical illness insurance is very low. 200 yuan can provide 6,543,800+million critical illness insurance a year, and most companies can sell it separately.
Insert: Accidental medical expenses are generally deductible, so they must be above the deductible to be reimbursed in proportion. Some have hospitalization insurance, others don't. Therefore, parents must find out the scope of protection according to the baby's existing protection before insurance.