(1) Accident insurance
Children are curious and active, while the sense of self-protection is relatively poor, in the society is in a vulnerable group, so the likelihood of accidents is relatively large. According to the latest statistics show that the accidental death of childhood to the annual rate of 7% to 10% increase in the occurrence of accidental death and injury in some areas as high as the ratio of 1:19, has become China's 0 to 14-year-old children's first cause of death. The important causes of accidental death are accidental suffocation, drowning, car accidents and poisoning, of which the increase in the death rate of car accidents is particularly significant. The main causes of accidental injuries are falls, burns and injuries caused by animals. Accidental injuries have now surpassed disease as the number one killer of children's health.
Children's accident insurance is designed to protect children under the age of 18 against high medical expenses and other financial losses, as well as accidental disability and death. Therefore, parents can buy accident insurance for their children at their own discretion, so that they can get some financial compensation in the event of an accident. This type of insurance is usually a consumer type of insurance, only a few tens of dollars to a few hundred dollars a year, all insurance companies have launched.
Tip: Buying this type of insurance doesn't mean you don't have to worry about your child's safety from now on, it just means that you can get some financial help and compensation if your child has an accident.
(2) Medical Insurance
In family life, there are two main types of expenses related to baby's health: one is children's major diseases; the other is children's hospitalization and medical treatment. At present, major diseases have a tendency to be younger and younger, such as leukemia and other malignant tumors at the same time there are specific major diseases such as Kawasaki disease, severe myocarditis and other babies and young children are prone to. Therefore, the use of insurance to share the baby's medical expenses has become an important factor to consider when taking out children's insurance.
Nowadays, common children's diseases are mainly respiratory and digestive diseases, such as upper respiratory tract infections, bronchitis, pneumonia, diarrhea, etc., which can be hospitalized at any time, and the accumulation of the cost is not small. Therefore, when considering the purchase of insurance, it is recommended that parents can purchase additional hospitalization medical insurance and hospitalization allowance insurance. In this way, the baby in case of illness and hospitalization, most of the medical expenses can be reimbursed, and can get a few dozens of dollars a day to hundreds of dollars ranging from hospitalization allowance.
Three, "premium waiver" function is very important
"Premium waiver" is one of the things that can't be ignored when buying children's insurance, especially those with a long insurance period. Premium waiver means that if the insured person is incapacitated or dies due to illness or accident, he/she will be exempted from paying the remaining premiums, and the insured person will still be able to enjoy the insurance responsibilities as stated in the policy.
For babies, the biggest protection is not only the insurance, but also the parents. When parents buy insurance for their babies, especially life and health insurance, they should pay attention to the terms of premium waiver, which is equivalent to adding another layer of insurance. Many children's insurance policies on the market today come with premium waiver clauses and do not require additional purchase. If there are no premium waiver clauses, you may want to purchase them as a rider, which will add about a few dozen dollars more.
Buying insurance is like buying any other product, you have to compare and contrast, and choose the one that suits you best. Don't just listen to the introductions of the sales staff and look at the promotional pages, but it is important to look at the content of the terms and conditions, and read the contents of the need for coverage and exemption from liability clearly.
Children's insurance
Ease the financial pressure of medical expenses for the family brought about by the growth of children, only 100 yuan a year, with a high amount of accidental injury, hospitalization and medical care, children's critical illnesses and other protection, self-service card products, can be given to others.
China Life Guangdong Branch has a "Sunshine Baby Auspicious Card" especially designed for babies, which can be owned by babies who have reached the age of one month, including accidental injury, accidental medical care, accidental disability, accidental burns, hospitalization medical care for illnesses and hospitalization allowances, etc. The protection is comprehensive and affordable
220 RMB/year
Annually, it costs only 100 RMB. Yearly
Breitbart Life Baby Card a/b section
RMB30,000, including death due to illness
Proportionally (10%-100%), up to RMB30,000
RMB5,000, RMB100 deductible, 90% payout
Up to RMB100,000 for hospitalization due to accident or illness, RMB100 deductible, RMB3000 50%, RMB3000-6000 50%, RMB3000-6000 50%, RMB3000-6000 50%, RMB3000-6000 50%, RMB3000-6000 50%, RMB3000-6000 50%, RMB3000-6000 50%. Below 50%, $3000-6000 60%, $6000-10000 70%, $10000-30,000 80%, $30,000 or more 90%
$10,000
30 days
0-2 years old $350/year, 3-17 years old $150/year
PING AN PENSION INSURANCE COMPANY CHILDREN'S Ping An Card
50,000 RMB
Accidental medical care: accidental hospitalization 50,000, accidental outpatient 5,000 (50 yuan deductible, 90% reimbursement)
10,000 RMB
30 days
100 yuan/year
Insured Notes
Understand the scope of coverage. Parents should read the scope of coverage when purchasing children's accidental injury insurance for their children, except for AIA's accident can be reimbursed for 100 yuan of out-of-pocket medication, other companies can not be reimbursed for out-of-pocket medication. For example, if you are bitten by a dog and receive a rabies vaccine, AIA's children's accident insurance can reimburse you for the imported vaccine, while other companies cannot reimburse you for the imported vaccine. Accidental medical expenses generally have a deductible, so it must be above the deductible in order to be reimbursed proportionally. Some have hospitalization coverage for illness and some do not. So before you take out an insurance policy, you must be sure to figure out what you need to cover according to your baby's existing coverage, and choose the right accident insurance product.
Understanding the insurance process. In addition to the American International Assurance Company (AIA), which requires you to fill out a formal application form, all other children's accident insurance policies are card-issuing products. This means that the parents can call or open the insurance company's website after purchasing the accident insurance card, and then print out the electronic version of the application form and the insurance contract, and keep it for themselves. In addition, the general joint venture insurance company's children's accident insurance is in the form of a policy, you can find an insurance agent to buy specific advice.
Understanding the claims process and the required information. Generally speaking, there is no hospital restriction for accidental emergency treatment. If you are hospitalized, you are generally required to be in a hospital of the second class or above. The information required for the claim includes the original contract or a copy of the accident card, a copy of the policyholder's ID card, a copy of the bank card, a copy of the outpatient and emergency medical records, a list of expenses, and a discharge summary if you are hospitalized.
Understanding the amount of death benefit. Beijing, Shanghai, Guangzhou and other places in the children's death maximum coverage of 100,000 yuan. When choosing children's accidental injury insurance for your child, you should pay attention to the limit of the death sum insured, and not blindly think that more insurance is more protection.
Pay attention to the product mix. With the accident protection, it is recommended that you can also give your baby a major disease protection. Generally speaking children's major illness insurance rates are very low, about 200 yuan a year can have 100,000 major illness protection, most companies can be sold separately.
Insert: Accidental medical expenses generally have a deductible, so it must be above the deductible to be reimbursed proportionately. Some have hospitalization coverage for illness and some do not. So parents must be based on their baby's existing coverage before taking out a policy, and figure out what needs to be covered.