At present, there are many kinds of infant medical insurance on the market, including children's medical insurance, children's critical illness insurance, children's accident insurance and comprehensive universal insurance.
1, children's medical insurance, the insurance cost is not high, the baby can get the corresponding medical compensation and hospitalization allowance when he is hospitalized, and many parents recognize this;
2, children's critical illness insurance, mainly for major diseases with high incidence of infants and young children. Because of the trend of younger age, the possibility of infants suffering from major diseases is also increasing. In order to avoid falling into the dilemma of no money for medical treatment, it is also necessary to buy this kind of baby medical insurance for the baby.
3. Children's accident insurance aims at the characteristics of low self-protection ability and heavy curiosity of infants and young children, providing medical protection for all kinds of accidental injuries for children, reducing health risks and economic losses;
4. Comprehensive universal insurance is a very typical infant medical insurance. Its coverage is very comprehensive, including hospitalization, serious illness, accidental injury protection, and even education protection, and it is generally lifelong protection. This comprehensive medical insurance is suitable for younger babies. The younger the age, the longer the guarantee time, but usually the premium of this kind of insurance is relatively high.
Choice of commercial medical insurance for newborns
1. Choose the infant medical insurance with higher outpatient payment:
Outpatient expenses often occur, but commercial insurance generally does not bear the insurance responsibility of disease outpatient service, but there are exceptions. For example, the Health Baby Insurance of Kunlun Health Insurance Company can provide reimbursement for outpatient expenses of special diseases for children. When parents choose outpatient medical insurance for their children, they should choose insurance with higher claims and special disease claims.
2, choose to provide protection for congenital diseases and past diseases of infant medical insurance:
Some children may be born with some diseases. For this part of the treatment cost, commercial insurance does not provide risk control services, which means that there is little medical security for children with congenital diseases. However, if the mother is insured with maternal and child insurance during pregnancy, then the baby can get effective claims for congenital diseases in time.
3. Insure the infant hospitalization medical insurance to ensure the hospitalization expenses:
For the insurance of infant hospitalization medical insurance, we should look at security, price and claims comprehensively, and we can't judge the quality of products only from the price level. For example, some relatively cheap insurance may have more restrictions on the deductible. In addition, when purchasing this kind of medical insurance, we should pay special attention to the details of the payment terms. For example, you need to know the specific way of insurance claim limit. Some types of insurance not only stipulate the maximum claim limit, but also have a limit for each sub-claim. For another example, you also need to know the reimbursement ratio of all expenses stipulated in the specific insurance.
In fact, infant medical insurance itself is not good or bad. The key is appropriateness. Parents should choose products suitable for their babies according to their specific conditions, such as physical strength, living environment, family conditions, age and other factors. At the same time of purchase, we should also read the insurance protection regulations and exemption clauses clearly to avoid unnecessary troubles and disputes.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.