1, female critical illness insurance
Critical illness insurance Many women include maternity insurance, which is more comprehensive and humanized than social security. There is no need to register, queue or draw invoices, so many people are willing to pay for high-end medical care. Even the mother can choose to give birth at home, and the insurance company will pay for the treatment, including the expenses of medical staff and doctors. At the same time, women's critical illness insurance will also make a number of claims for the possible disease risks of pregnant women and newborns, so that consumers can have no worries whether they are giving birth or choosing caesarean section.
2. Maternal and child insurance
Maternal and child insurance, as its name implies, protects both mother and baby. Maternal and child insurance covers Ren Shengqi's illness, childbirth, accidental death of pregnant women, as well as congenital diseases, specific operations, neonatal death and so on. It is a very comprehensive and targeted maternity insurance.
3. Maternity insurance
It is a basic guarantee policy of the state, and it is an insurance system of medical subsidies, maternity allowances and maternity leave provided by the state, society and employers when the state has to temporarily stop working in order to protect pregnant or childbirth working women.
Examination fee, operation fee, hospitalization fee, medicine fee, etc. Those who have children can apply for maternity insurance, but the expenses and medicines that exceed the prescribed amount need to be borne by individuals.
Matters needing attention in purchasing maternity insurance
1, pay attention to the insurance time.
Pregnant women can apply for maternal and child health insurance specially designed for pregnant women and soon-to-be-born babies. Pregnant women aged 20 to 40 who are less than 28 weeks pregnant can be insured. When purchasing maternal and child insurance, expectant mothers need to pay special attention to the protection content to see whether it covers the pregnancy disease protection of expectant mothers and the congenital malformation protection of babies. In addition, expectant mothers should pay attention to the waiting period when purchasing maternal and child insurance. It is suggested that it is best to insure maternal and child insurance during the planned pregnancy, so that the protection period covers the pregnancy, instead of waiting until after pregnancy to consult and buy, which not only has a narrow choice, but also has an expensive premium.
2. Pay attention to the risk of pregnancy
The risk probability of women during pregnancy is relatively high, and the number and days of hospitalization in the later period are also relatively high. If you buy subsidized hospitalization medical insurance, you can solve the annoying economic problems. For expectant mothers who have comprehensive medical insurance and pay attention to the ward and nursing situation during hospitalization, it is the most cost-effective to choose subsidized hospitalization medical insurance. This kind of insurance is very useful to make up for the medical expenses that are not reimbursed by social security or the lost time during hospitalization, and can be paid in the case of accidents and illness hospitalization. When purchasing such insurance, expectant mothers need to pay special attention to the guarantee period and the amount of compensation.
3. Pay attention to the reimbursement amount
For expectant mothers in poor health, it is recommended to purchase reimbursement hospitalization medical insurance to resist the risks of accidents and diseases. The reimbursement amount of hospitalization medical insurance is closely related to the reimbursement amount of social medical insurance, that is, the sum of the two cannot exceed the actual and reasonable hospitalization expenses. Expectant mothers should pay attention to the reimbursement amount when purchasing such insurance.