Insurance companies create double insurance for children's h

It is understood that the Children's Hospitalization Mutual Aid is intended to support a healthy and protected green umbrella for primary and secondary school students and infants. It is directly subsidized by the Children's Hospitalization Mutual Aid during hospitalization, and the child can be admitted to the disease. . Children who have a household registration or a residence permit, who are between 1 month and 18 years old, may voluntarily participate in the Children's Hospitalization Mutual Aid. The expenses incurred by the patient for hospitalization are reimbursed in parallel.

The amount of mutual aid for next year will increase from 60,000 to 80,000. It is reported that in 2009, the fundraising level of student and child medical insurance will be adjusted to 120 on the basis of 80 per academic year, and the increase of 40 will be The financial commitment, the personal contribution portion is still 40 per year. The level of fundraising has increased and the corresponding level of reimbursement will increase. According to reports, after the basic medical insurance scheme for urban residents including the contents of student and child medical insurance has been revised several times, the basic plan has been determined, and the proportion of medical insurance reimbursement will increase. As for the medical insurance for students and children, there may be a “threshold fee”, and the “cap line” may rise, but in general, the proportion of reimbursement will increase.

With mutual help, don't neglect children's insurance to supplement

. The amount of mutual aid is raised from 60,000 to 80,000. Does this mean that you can not buy commercial children's insurance? The business director of the life branch company suggested that although the amount of mutual aid funds has increased, the scope of protection has not changed. In the case of children, special attention should be paid to the purchase of children's insurance as a powerful supplement.

The park said that children's hospitalization mutual aid is just the reimbursement for the expenses incurred by children in hospitalization. For example, children's instinct is good, self-protection awareness is low, and often the expenses incurred are not reimbursed for mutual aid. In terms of scope and other serious diseases such as leukemia, cancer, uremia, etc., the follow-up nutrition costs of these diseases are often high. For example, the recovery time after leukemia treatment is usually up to 5 years, and the nutritional rehabilitation fee during the period will directly Households generate significant economic pressures, which are best compensated by buying commercial children's insurance. Mutual aid and commercial insurance are not mutually exclusive. It also encourages qualified families to participate in commercial insurance at the same time, adding “double insurance” to children's diseases.

Mr. Min Dong once enjoyed the benefits of “double insurance”: a few days ago, his son was hospitalized for acute tonsillitis and used more than 600. Mr. Dong received more than 200 compensations from the child mutual aid guarantee, and then from life. In the case of children's insurance, more than 500 were lost. After two counts, the amount of compensation was 700. After deducting the actual hospitalization expenses, it actually earned 100.

Insured major illness insurance should pay attention to the protection of

"In the life insurance field, children's insurance has always been a very dangerous insurance for the people." It is understood that there are three main types of health risks for children and children: major illness insurance, accident clinics, and hospitalization subsidies. Most of the latter two are sold as additional risks. The major illness insurances of major insurance companies are sold as the main insurance. The major illness insurance is aimed at children's diseases, such as leukemia and uremia. There are as many as 25 types of protection for critical illness products, which can be purchased 60 days after the child is born.

In general, a child's critical illness insurance policy has a maximum amount of 200,000 yuan. Because the critical illness insurance product payment requires a hospital diagnosis certificate, even if the parent buys several heavy illness products for different children in different companies. You can get paid from these companies after the diagnosis is confirmed.

The garden suggests that parents can choose the number of critical illness insurance for their children according to their own economic situation. Considering that the critical illness insurance is to provide protection for the child's future, the impact of inflation on the insured amount should also be taken into account when purchasing. In view of this, many insurance companies have introduced the critical illness insurance products with the function of dividend distribution. Under the premise that the premiums paid each year remain, the dividend income of the annual policy is directly included in the insurance amount. To increase the amount of insurance, so that it can offset the problem caused by inflation that the insured amount cannot meet the needs of future life.

Selecting a child insurance policy with an exemption clause

In the case of children's insurance, there is a special exemption clause worthy of attention. The so-called exemption clause means that during the contract period, if the insured has an accident or loses the ability to pay, the unpaid premium can be waived and the insurance coverage of the insured is still valid. At present, there are a large number of insurance products with exemption clauses. If there is no such clause, parents can also purchase them separately, 100-200 per year. The park said that considering the child's age is small and does not have the ability to live independently, insured child insurance, it is best to choose insurance products with exemption clauses. In this way, even if the parents have an accident, the child insurance will continue to be effective.

It is necessary to remind parents that insurance companies have different definitions of exemptions. Some companies stipulate that insured persons may be exempted from accidents or illness due to accidents or illnesses; some companies provide that only insured persons are insured. In order to be exempted, there are other companies that can only be exempted from accidental death, and the death or total disability of the disease is not covered by the exemption. Therefore, when you apply for child insurance, you should also ask about the scope of the exemption clause.