Parents should know about their children's health insurance.
The state has vigorously promoted the medical insurance policy, and now children's medical insurance has basically achieved full coverage. The disadvantage is that children's medical insurance is "guaranteed", many items and imported drugs are not reimbursed, and there is an upper limit for reimbursement, which can only provide children with the most basic protection. So parents can't think that everything will be fine if their children have children's medical insurance. If economic conditions permit, it is still necessary to insure children with commercial health insurance in order to obtain more comprehensive protection and escort their growth.
Insurance experts said that two types of insurance should be considered when insuring commercial health insurance for children, because these are also the two major risks that children are likely to encounter during their growth. One is hospitalization medical insurance to deal with children's usual minor illnesses, and the other is critical illness insurance for children to prevent the current trend of serious illness and rejuvenation. Regarding hospitalization medical insurance, parents can consider subsidies or fees, and children's critical illness insurance also has two options: consumption and return. What are the good recommendations for critical illness insurance? I just sorted out the relevant contents, hoping to help you: the top ten insurance companies "worth buying" hot critical illness insurance inventory!
So how should I buy health insurance? People in the insurance industry said that when applying for insurance, parents should proceed from the actual situation of the family, whether it is a child's serious illness or hospitalization medical insurance. Before the child is six years old, the risk of minor illness hospitalization is high, so at this time, hospitalization medical insurance should be given priority to transfer the economic risk brought by the child's illness hospitalization. As children grow up, the risk of serious illness increases. At this time, parents should insure their children with a critical illness insurance in time to make up for the gap in this protection.
The above is the whole introduction of this article. I believe that parents now have a certain understanding of children's health medical insurance. Finally, remind parents that children's medical insurance is the foundation, and children's medical insurance can't fall before applying for commercial health medical insurance, so that children's protection is comprehensive.
Related suggestions:
Reimbursement method of children's medical insurance
As parents, of course, I hope my children can grow up healthily and pay special attention to their health. When I was a child, my resistance was weak and I was more likely to get sick. At present, the level of medical expenses remains high, and the high medical expenses have always been a headache for parents. With the popularization of national medical policy, parents can take out medical insurance for their children, thus reducing the medical expenses of their children and alleviating the economic pressure of their families.
Short-term insurance planning for children's medical care
Children are always the topic center of a family and the heart of parents. As parents, in addition to taking care of their children, many parents will choose to insure themselves, whether it is accident insurance or illness insurance, which will improve the protection of their children. If the family economy is not good and you want to insure your children, you can choose short-term children's medical insurance. Children's short-term medical insurance can provide the insured with medical security for one year or less, which is mainly divided into short-term accident medical insurance, short-term hospitalization medical insurance and short-term serious illness medical insurance.