We say that children are the center of a family, and many parents will consider buying a medical insurance for their children to avoid the risk of illness. But some of them don't know what a child's health insurance policy actually covers, even though they've already purchased one. For this reason, this article will provide you with a detailed introduction to the relevant content of the child medical insurance. What are the best children's critical illness insurance? Which are cost-effective? Which is the most worthwhile to buy? Let's take a look at the top 10 insurance companies hot children's major illnesses and critical illnesses insurance inventory
What is covered by children's medical insurance
During the validity period of the insurance contract, according to the relevant provisions of the insurance company, the insurance company will assume the following children's medical insurance insurance liability:
During the insurance period, the insured person since the
During the insurance period, if the insured person is hospitalized in the hospital due to accidental injury from the zero hour of the effective date of the contract or after 30 days from the zero hour of the effective date of the contract (in case of renewal of the contract, there is no limit of 30 days under the renewal contract), the insurer shall be liable to pay the hospitalization medical expense premiums for medical expenses incurred within 90 days of the date of hospitalization that are covered under the local urban residents' basic medical insurance, depending on the case.
If the insured person is enrolled in the local urban residents' basic medical insurance, the insurance company will deduct the balance of the compensation from the local urban residents' basic medical insurance and other means (including but not limited to the social medical insurance institutions, public medical care, rural cooperative medical insurance, etc.) and calculate the hospitalization medical expense insurance benefit according to the ratio of the following table in a subsection. Which insurance company is strong, I just happened to organize the relevant content, I hope it will help you: the latest list! The top ten insurance companies in China
Two, if the insured person does not participate in the basic medical insurance for local urban residents, the insurance company deducts the balance after the compensation from other means (including but not limited to social medical insurance institutions, public medical care, rural cooperative medical insurance) according to the ratio of the following table, two subsections of the calculation of the hospitalization medical expense insurance benefit.
Children's medical insurance coverage depends on the insurance product and insurance company
Professionals said: the choice of insurance products and insurance companies are different, its responsibility to protect is not consistent. If you buy the China Merchants Sino Sino "global premium" high-end medical insurance, you can enjoy the following protection:
One, hospitalization. Cancer treatment, comprehensive hospitalization expenses hospitalization allowance of 1000 yuan / day;
Two, outpatient. Medical equipment rental. Outpatient fees, vaccines, dental up to 500,000;
Three, physical examination. Prostate cancer screening, Pap smears, bone density scans, breast and bowel cancer screening;
IV. Eye/Dental. Preventive, routine major dental treatment, orthodontic treatment, lenses, frames, contact lenses;
V. Health benefits. Inpatient appointments, outpatient appointments, online health education, health risk assessment and health guidance;
VI. Global Emergency Assistance Services, Second Opinion on Treatment are also complimentary, which can avoid misdiagnosis and delay of the condition and increase the chance of survival!
The above is the introduction of "what is covered by children's health insurance", I hope to help parents and friends, but also remind parents and friends, if you want to buy children's health insurance for your children, you should plan as early as possible!
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