What are the benefits of children's social security

There are two types of pediatric health insurance that we usually come across: pediatric social security and commercial pediatric pediatric social security can provide the most basic medical coverage for children. Although the benefit ratio and the maximum number of benefits are not as good as commercial insurance. But it also has two major advantages. Today I have organized the relevant knowledge, together with the following look it.

You can claim for outpatient medical expenses

Outpatient expenses occur more frequently, but commercial insurance is generally not responsible for outpatient illnesses (except, for example, for congenital diseases and pre-existing conditions to provide coverage for some of the children may be congenital with a number of illnesses, the cost of treatment for this part of the commercial insurance in order to control the risk of not to provide protection services. The price of children's social health insurance is also relatively low, parents are advised to give their children commercial children's health insurance include: children's critical illnesses, children in order to better compensate for the social security children's health care, parents can choose to super social security (the scope of coverage covers social security benefits outside the directory of medical items) children's social security benefits of which

1, children's health insurance to make up for the social security gap

In recent years, although the medical insurance policy In recent years, although the health insurance policy in the reform process has gradually increased the scope of coverage, many areas will be included in the basic health insurance for children, but the principle of social health insurance "low protection, wide coverage" determines the characteristics of its protection limitations, less coverage of the types of medication, especially a variety of new diagnostic and treatment methods, new and effective medicines, not only is it very expensive, but also belong to the out-of-pocket expenses. The first is to make sure that you have a good understanding of what is happening in the marketplace.

What is even more worrying is the uneven distribution of medical resources in China, where hospitals in cities with high levels of medical care often face the dilemma of "hard to find a bed", poor hospitalization environments, and cumbersome consultation and reimbursement procedures, all of which can be exhausting to deal with.

On the other hand, the child's immune system is not yet strong, low resistance, compared to adults, more susceptible to germs; and children's organs are not yet developed, poor adaptability, is the high incidence of disease, especially 0 ~ 6 years old young children, prone to a number of minor illnesses, such as colds, coughs, pneumonia, bronchitis, and so on, the risk of hospitalization is also higher.

In addition, children naturally like to explore the world, unaware of the accidents that often happen, sometimes despite minor injuries, but due to the lower resistance of children, cross-infection or induced by other diseases are also more often, hospitalization and treatment costs are not expensive.

In response to these circumstances, in order to make up for the shortcomings of social security, strengthen the level of children's medical protection, relieve the parents of the mental and economic pressure, focusing on the protection of the two new medical insurance features outstanding: each year, you can enjoy the full amount of compensation for hospitalization expenses, life-long accumulation of 4 times the basic amount of hospitalization coverage; 0 to 60 years of age are eligible to participate in the insurance policy, the renewal of the insurance age of up to 80 years old; break through the limitations of the medical insurance, both inside and outside of social security can be protected; the age of the children's medical insurance is up to 80 years old. Inside and outside the social security can be covered; if notified within two days from the date of admission to the hospital, the remaining portion of the maximum 100% benefit after the first medical insurance claim, without the first medical insurance claim, the maximum 80% benefit; coverage covers outpatient special diseases (malignant tumors, radiotherapy and chemotherapy, dialysis, kidney transplantation, anti-rejection treatment, etc.), outpatient surgery and hospitalization before and after the outpatient and emergency room, as a supplement to the medical insurance; can also be provided for admission to the special wards, to enjoy a more specialized physician The company's products and services are designed to meet the needs of the market, and are available in a wide range of specialty rooms, including those with more specialized physicians, more advanced medical equipment, a better medical environment, and more caring medical services.

2, effectively alleviate the family economic pressure

netizen Mr. Wang said, his son is 7 years old, poor health and naughty, last year, his son appendicitis hospitalization, *** spent 8560 yuan. Although Shanghai's children's health insurance is also better, the health insurance paid out 3,810 yuan, the remaining 4,750 yuan is not a small amount.

The child is the heart of the parents, and I believe that many parents have had a similar experience with Mr. Wang. Mr. Wang's son appendicitis surgery hospitalization, for example, Mr. Wang if his son insured "** medical insurance", coverage of 40,000 yuan, the annual premium of 990 yuan. Medical insurance benefits other than 4750 yuan (surgical fees, drugs, bed meals, hospitalization before and after the emergency room fees, etc.), no deductible, can be 100% compensation, can greatly reduce Mr. Wang's financial burden. If the child has an accidental injury fracture hospitalized, medical insurance outside of imported drugs, imported steel nails steel plate costs in the previous appendicitis surgery hospitalization benefits after the coverage of insurance can also be 100% compensation.