1. Accidental injury protection: including death and disability caused by accidents. If a child suffers an accidental injury such as a fall, bruise, collision, or scratch by a toy or other object in the kindergarten, he or she can receive a certain amount of compensation. These compensations can be used for the child's treatment cost, rehabilitation cost or the family's financial stress relief. It should be noted that different insurance companies and different insurance products may have different definitions and compensation standards for accidental injuries, which are subject to the insurance contract.
2. Medical coverage: If a child is sick or injured in a kindergarten and needs medical attention, the insurance company will cover certain medical expenses, including registration fees, examination fees, and medication fees. Again, the insurance company will calculate the amount of compensation based on the child's condition and medical expenses. This coverage helps to alleviate the financial burden of parents and allows the child to receive timely treatment and care. However, it should be noted that the insurance company may have restrictions on the scope and percentage of reimbursement of medical expenses, which is subject to the insurance contract.
3. Sudden illness coverage: Some $100 kindergarten insurance policies may also include coverage for sudden illnesses, such as when a child suddenly falls ill during kindergarten, such as a high fever or catching a cold, for which the insurance company will cover certain medical expenses. But again, the specific coverage and compensation standards may vary depending on the insurance product and the insurance company.