Xue Ping insurance has existed for a long time.
I remember when I was in primary school, I was only in my nineties, and I had to pay 50 yuan in insurance and a little red note every semester!
But because it has never worked, it has never been explored. Now that I think about it, I paid Xue Ping insurance!
It is compulsory to buy insurance in primary school, but it becomes voluntary when you go to college. When I was a freshman, I accompanied my roommate who was hit in the head by basketball to claim compensation. It was very novel at that time.
Looking back, when I paid insurance in those years, I was basically at a loss. No health advice, no insurance policy, and I can't remember it after paying the money.
Overview of academic insurance
Then the problem is coming. What exactly is Xue Ping insurance? What's the use? What are you insured for?
The full name of Xue Ping Insurance is "Student Safety Insurance", and the object of protection is clear. Belong to a kind of personal accident insurance, generally need to pay at the beginning of school.
In the early years, the school made it compulsory to buy, and then it gradually volunteered. You can buy it or not, depending on your own wishes.
Xue Ping has a low insurance threshold, with no or loose health notification, which mainly covers death, disability, accidental medical treatment and hospitalization medical allowance.
Take the Health Baby Xue Ping Insurance of China People's Property Insurance Co., Ltd. as an example.
Insurance age: 3-22 years old
Warranty period: 1 year
This kind of Xue Ping insurance deals not only with accidental death and disability, but also with illness and death and disability. Accident medical first aid, hospitalization medical first aid and hospitalization allowance all have related guarantee responsibilities.
It is standard medical insurance, and the premium is not high, one year 100 yuan.
The advantages of Xue Ping insurance are obvious, that is, the premium is cheap and the coverage is wide.
The shortage is also obvious, because the premium is cheap and the scope of protection is wide, resulting in few protection responsibilities for each item.
This is understandable, after all, sugar cane is not as sweet as both ends!
Regarding whether to buy child accident insurance after buying Xue Ping insurance, I think the key point is whether the protection is sufficient.
The first is whether the guarantee time is enough.
Xue Ping insurance is part of collective underwriting, and the effective date is the specified date, which is likely to leave a protection window.
It has been reported before that the effective date of Xue Ping insurance is May 3 1, and the child had an accident in early May. At the time of claim settlement, the policy has not yet taken effect!
If you must buy Xue Ping insurance recommended by the school, be sure to find out the effective date!
Then there is the scope and amount of protection.
Children are keen-minded parents, so we must do a good job of protection. Don't be confused about buying insurance that you didn't choose.
Generally speaking, insurance is a contractual act. Reading and understanding the contract is the common responsibility of both parties.
At the same time, you should also know what you are buying insurance for. No matter what insurance you buy, at least you have a sense of responsibility.
It doesn't matter if you don't buy the most suitable one right away. Foundation first and then perfection. No problem. Don't run naked.