What protection can children's health insurance bring?
Different children's health insurance coverage is different. Generally speaking, children's health medical insurance mainly provides protection for the insured's children's hospitalization expenses and serious illness expenses. At present, the children's health medical insurance provided by Huixuan Online is usually comprehensive and the premium is affordable. You may wish to make a comprehensive comparison and choose. Before taking out insurance, you should pay attention to the following points:
1, guarantee responsibility and exclusion responsibility. Before buying children's medical insurance, you must read the terms of insurance products carefully, especially pay attention to the provisions of exclusions, deductibles and exemption periods, understand your rights and obligations, and purchase rationally.
2. The length of waiting time. Many children's medical insurance products have a "waiting period". If the insured gets sick while waiting, the insurance company will not pay for it.
3. Guarantee renewal clause. That is, after the expiration of the last insurance period, the applicant applies for renewal of insurance, and the insurance company must continue to underwrite according to the original terms, and the rate cannot be adjusted according to personal risk.
To buy children's medical insurance for your three-year-old daughter, I suggest you try to buy it through a regular insurance platform. Huize. There are a large number of children's medical insurance products suitable for children. Welcome to choose. Recommend the following products for you:
Enjoy life-Allianz Personal Protection Plan (Children's Edition) Plan 1
Anxin baby children's major illness protection plan