Because children are prone to illness and the cost of treatment is not low, so many parents will apply for children's high-end medical insurance, so what is the difference between children's high-end medical insurance and other children's medical insurance? What are some of the best children's medical insurance policies? Which ones are cost-effective? Which is the most worthwhile to buy? Let's take a look at the 10 major insurance companies selling children's major illness insurance inventory
Children's high-end medical insurance and other insurance differences:
Children's medical insurance: for children's medical insurance is very common, a lot of parents for their children to get the first thought of the children's medical insurance, which belongs to the nature of the state welfare, so the year to The cost of payment is not much, in Shenzhen, for example, about 200 yuan per year on the line. But children's health insurance can only be used in designated hospitals, and children's health insurance in some places can only be hospitalized can be used, it is based on the cost of treatment of insured children, in accordance with a certain percentage of the reimbursement, because there are some drugs and inspection projects are not in the reimbursement scope, the actual last children's health insurance can be reimbursed for the cost of the not very much;
Children's general medical insurance: in general, general medical insurance is limited to public hospitals, the public hospitals, the public hospitals, the public hospitals, the public hospitals, the public hospitals, the public hospitals and the public hospitals. The medical insurance is limited to the use of public hospitals, the amount of coverage is relatively not high, basically inpatient medical insurance, for outpatient reimbursement is not much, from the medical experience, and children's health insurance is not a big difference, but the scope of reimbursement has increased, reimbursement amount has increased, the annual payment of fees between a few hundred to a thousand dollars.
Children's high-end medical insurance: For families with good financial conditions, they will mostly apply for children's high-end medical insurance, because the insured children can not only be in the public hospitals, and even some well-known private hospitals, expensive hospitals can be used, the experience of medical treatment has been greatly improved. In addition, in the process of using imported drugs, some imported inspection equipment, are reimbursed, outpatient reimbursement, but his premiums are basically more than ten thousand yuan.
Children's high-end medical insurance has greater advantages than children's health insurance, children's general medical insurance, more attractive to parents, if you have the economic conditions, you may wish to buy for the child, just in the purchase of children's high-end medical insurance, parents should pay attention to these issues:
Purchase of children's high-end medical insurance matters
Purchase of children's high-end medical insurance matters
1, can not be set in stone
When the child bought a high-end medical insurance, many parents will be the policy on the shelf, only until the child is sick and need this insurance to come out to use, in fact, even after the purchase, can not be set in stone, it is best to every three to five years, open the policy, according to the family personnel and income status changes make some appropriate adjustments. The company's business is not a business, but it is a business.
2, the coverage period is not too long
Many parents buy insurance for their children, that the longer the coverage period, the better, to give the child long enough protection is always right, just, when the child grows up, perhaps you buy this children's high-end medical insurance is not suitable for him, and then again, parents also want to let the child through their own efforts to buy insurance.
In addition to the insurance company's insurance products are also constantly updated, you may come across a better a child high-end medical insurance, until the expiration of the hand this, you can also change a child high-end medical insurance. Insurance company which is strong, I just happened to organize the relevant content, I hope to help you: the latest list! The top ten insurance companies in the country
3, the payment period combined with the economic situation
Children's high-end medical insurance it's premiums are not low, for the economy of the average family is not recommended to buy, so the people who buy it is mostly the economic conditions of good families. Regarding its payment period, if the family's income has been relatively stable, there is no big ups and downs, the payment period is more appropriate to choose a longer period, because the payment period is long, the annual cost of sharing down to be lower, the economic impact on the family is not big, parents can pay the insurance fee every year.
If the family's income is not so stable, for example, in a certain period of time will be a lot of money, and in a certain period of time only out of the income, so this kind of family to pay the insurance fee, it is recommended to shorten the period of payment, early payment is completed, the parents early peace of mind, so as to avoid in the family income is only out of the income of the family, then come to pay the cost of this insurance, which would add to the parents of the financial burden.
As an example, the old king is a businessman, he opened a gym, in the first few years of the store, because of the membership card fitness more people, so the old king of those years into a lot of money, and the more the later, usually some of the old members, for the new card is not much, basically to maintain not a loss of money on the good, and there is no income. In the old king's gym more than a few years, he bought high-end medical insurance for his children and premiums are paid, and now even if the gym does not have any profit, at least the child's insurance has not cost money, and will not bring the old king what economic pressure.
Combined with the above introduction, I believe we have a certain understanding of children's high-end medical insurance, in the case of economic conditions, parents can buy a child.