It is said that the first year premium will not be higher than one yuan a day! A large part of the baby's parents have seen it.
So, is this product that good? Is it reliable for a big candidate with a baby at home? Let's take a look!
In view of the fact that many parents don't know enough about insurance, you can read this article to find out:
"Very comprehensive! The protection knowledge you need is here.
1. What are the benefits of long-term medical insurance for babies and children?
Let's take a look at this product insurance map first:
1, high cost performance.
After reading the protection map, we can know that Anxiang Baby Children's Long-term Medical Insurance is a medical insurance specially prepared for children, which provides emergency treatment and hospitalization protection for the insured, with coverage of 1 000 yuan and 50,000 yuan respectively.
Moreover, the highest premium for babies aged 0-5 in the first year is one yuan a day, which is reasonable in price and quite cost-effective!
Children aged 6~ 12 only need 228 yuan in the first year, and families with poor economic conditions can also be insured, which is very close to the people!
2. Guarantee to renew the insurance until 18 years old.
If you take out insurance for children between 0- 12 years old, you can enjoy long-term medical insurance for babies and children before 18 years old to protect children's health, and the insurance will be renewed until 18 years old.
At present, the guarantee renewal of micro-medical insurance is rare in the market. In this respect, it is really good to enjoy long-term medical insurance for babies and children!
However, through the in-depth exploration of my senior sister, I found that there are many loopholes hidden behind this cost-effective insurance. Study it with your senior before buying it!
Second, what are the shortcomings of babies and children enjoying long-term medical insurance?
1, and the reimbursement rate is low.
After enjoying the social security reimbursement of long-term medical insurance for babies and children, the reimbursement ratio is only 80%, excluding social security reimbursement, only 50%. Many people complain that this reimbursement rate is really too small!
At present, excellent micro-medical insurance performs well in the reimbursement ratio, and can be fully reimbursed after social security reimbursement.
Let me put it this way:
Lao Wang insured a long-term medical insurance for his 0-year-old child in Jiang Mumu.
Six months later, Jiang Mumu was diagnosed with gastritis, and the hospitalization expenses were 50,000 yuan, if the social security insurance ratio was 40%.
The compensation received is: (hospitalization expenses 50,000 yuan-social security reimbursement 20,000 yuan-annual deductible 500x80% = 23,600 yuan. If the reimbursement ratio is 100%, the compensation is: (hospitalization expenses 50,000 yuan-social security payment 20,000 yuan-annual self-payment line 500 yuan) x100% = 29,500 yuan.
I don't know what a deductible is. Some time ago, the senior made an evaluation article for this, so I won't mention it:
What's the use of deductible? Is it more cost-effective to have less deductible? 》
Without comparison, there is no harm. Long-term medical insurance sets off the protection of babies and children too badly!
2. The scope of protection is narrow.
The coverage of long-term medical insurance for infants and children is limited to the social security catalogue.
For example, imported drugs and self-funded drugs are not reimbursed.
I have to say this coverage is too weak. If some fake medicines are not covered, you can only pay for them yourself!
The better micro-medical insurance on the market has the characteristics of unlimited social security reimbursement, wider coverage and more comprehensive risks.
The disadvantages of children's medical insurance have become less, and the financial pressure on parents has also become less.
It can be seen from this comparison that it is very common for babies and children to enjoy long-term medical insurance!
Third, the summary of the senior sister
In short, the long-term medical insurance for infants and children has the disadvantages of low reimbursement rate and narrow coverage. Compared with the same type of micro-medical insurance, it is not so competitive and not worth buying.
If parents want to buy this product, they can also consult other products of the same type first. Sister Xue listed a complete data:
Want to buy insurance for your child? These top ten "micro-medical insurance" are the most recommended! 》
Write it at the end
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