The comparison of differences tells you that when the seeds of new life germinate in the mother's body, the prospective parents count down the day when the baby is born with infinite expectation and joy. However, while they are happy, they can't help but worry about how to face and prepare if something goes wrong during pregnancy or when the newborn has congenital diseases. If we can plan the best insurance for ourselves and our children as soon as possible and know what medical insurance rights pregnant women can enjoy, we can reduce the economic impact of pregnancy and neonatal diseases on families.
Part one: Why the necessity of insurance is about to be upgraded to mother. The transposition of identity makes the sense of responsibility heavier, and they will also begin to plan for themselves and another important role in their lives-"baby", how to make themselves and their children spend their pregnancy safely and happily. "Do I need to buy insurance?" "What should I pay attention to before insurance?" And so on, many doubts emerge one by one, and I don't know how to choose to protect myself and my children.
With the increase of late marriage families and the appearance of aging, the complications of pregnancy-related diseases of pregnant women are increasing day by day. Some pregnant women even suffer from toxemia and gestational diabetes. Because there is no relevant insurance payment, increasing medical expenses will become a considerable expense. In addition, the physical function of women over the age of 35 gradually declines, and the pregnancy process also increases the probability of premature delivery or congenital diseases. Some diseases can't be found 100% even if they pass the complete prenatal examination.
Even if a child is born at a young age, people who are usually in good health may have unpredictable situations during pregnancy, such as ectopic pregnancy and abnormal contractions. It can be seen that it is of great significance to plan and prepare in advance during pregnancy. Expectant mothers can plan a suitable insurance for themselves, so that the quality of medical care can be improved on weekdays and during pregnancy, and the health of themselves and the next generation can be guaranteed.
Female insurance VS maternity insurance. Perhaps you will be curious: "I already have general medical insurance." Do you need to apply for other insurance after pregnancy? " As far as women are concerned, women's insurance and maternity insurance have different policy plans, which can protect the risks encountered during pregnancy. However, the difference lies in the "subject" of protection.
"Female insurance" only covers "mother" and is designed for women's unique physiological organs (ovary, fallopian tube, uterus and cervix) and life course (pregnancy and childbirth). The main body of "maternal and infant insurance" is "expectant mother and fetus". Of course, the coverage varies according to the insured.
In the past, in the identification of medical insurance claims, female pregnancy was a normal physiological phenomenon, not a disease. Therefore, it is common in the clauses that exclude the liability for claim: "If the insured is hospitalized for the following reasons or accidents, the company will not be responsible for paying insurance benefits: pregnancy, abortion or childbirth. 」
However, for the sake of humanization, "maternal and child insurance" came into being. In order to provide better protection for women, many insurance companies offer claims. In addition to general life insurance, they also cover women's special medical diseases, pregnant women and newborns. Child protection can even reach the age of 7. This kind of insurance can avoid the embarrassment of women getting sick because of pregnancy, but the medical insurance they usually pay can't help. For pregnant mothers, it can also strengthen the protection of mothers and fetuses. Although it is a great blessing, the premium is relatively higher than that of "maternity insurance".
Female insurance
Maternal and infant insurance
protection domain
Only pregnant mother, death, disability, survival insurance, specific or major diseases, specific medical care and surgical protection are guaranteed.
1. The risk of pregnancy and childbirth.
2. In addition to maternity insurance.
3. Protection for infants with major congenital defects (such as congenital heart disease, congenital metabolic abnormality, cleft lip and palate, etc.). ).
Payment item
1. Systemic lupus erythematosus and lupus nephritis.
2. Rheumatoid arthritis.
3.*** Reconstruction surgery.
4. Primary cancer of female specific organs, etc.
1. Pregnancy complications.
The baby was born with severe disability.
prompt
6? 20 years
1? 6 years
warranty period
perpetual
short-term
Should I apply for maternity insurance? If you already have medical insurance, life insurance, accident insurance, cancer insurance, etc. And the general medical insurance after the baby is born is ready, so it is more appropriate to consider maternal and child insurance. You can choose according to the following three conditions:
1. Any family history?
2. Is the mother herself an elderly woman?
3. Is the financial burden within your ability?
Part II: Smart insurance stops listening to many commodities on the market. The content of the insurance policy is quite different from the premium. Different insurance policies are suitable for different mothers, and there is no absolute good or bad. Parents-to-be should do their homework before taking out insurance to avoid damage to their rights and interests!
The first policy health check Many people think that buying insurance will guarantee you, but it is not. Insurance policies, like people, need to be checked regularly to understand their rights and interests, so as to make full use of them and give full play to their effectiveness. Through the policy inspection, find out the deficiency of protection, and then choose the appropriate policy products for yourself and the fetus.
He Jialin, a consultant of Prudential Life Insurance, suggested that expectant mothers should conduct a general survey according to all insurance policies and plan according to the disposable income of their families before taking out insurance. Family insurance policy should usually meet the requirements of death insurance payment, family living expenses, children's education expenses, mortgage, parents' filial piety, accidental injury protection, outpatient or inpatient medical treatment, serious illness, retirement and pension.
How to choose female insurance and maternity insurance? He Jialin pointed out that common considerations for pregnant women's insurance include coverage, premium budget, coverage period and personal needs, and whether the flexibility of the policy can be fully utilized when future needs change. Insurance is a commodity provided by insurance companies to protect individuals or families from economic instability caused by birth, old age, illness, disability and death; You can pass on the risks faced by individuals such as death, accidental injury and old age, but due to the limitation of economic ability, you can't insure all the risks you may encounter in the future. Therefore, it is suggested that expectant mothers should find out the most likely risk gap according to their age and family needs, plan their own protection content, collect goods from various insurance companies and make detailed comparison plans.
In addition, the salesman is also very important. Professional life insurance consultants, like doctors, will know in detail the real risk gap of individuals or families at this stage, help customers obtain appropriate insurance plans and ensure family financial security. The general insurance letter will say, "Are you sure you are pregnant? If so, how many weeks have it been? " As a reference for underwriting of life insurance companies. Salespeople should professionally and dutifully inform pregnant women that in addition to maternal and child insurance designed for pregnancy risks, general medical insurance will exclude the labeling of this pregnancy.
The third choice of insurance reference. If you have already taken out "women's insurance", you can choose to take out maternity insurance after evaluating your own conditions, but you must understand:
1. The fetus must be within a certain number of weeks (generally 28 weeks).
2. Some commodities are insured during pregnancy, and medical problems (hospitalization, abortion, laparotomy, etc. ) Those who are pregnant are not allowed to settle down. However, if you are insured for other medical and accident insurance that is not caused by pregnancy, there will still be claims.
Some insurance policies will also specifically indicate the "pregnant women's insurance restrictions" clause, and you should also pay attention before insurance. For example:
Pregnant women who are less than 28 weeks pregnant can apply for life insurance, medical insurance and accident insurance (including accidental medical insurance), and there is no need to attach a health manual for pregnant women; As far as medical insurance is concerned, the insured usually needs to sign a consent form to exclude the medical accidents that occurred during this pregnancy from the scope of this medical insurance.
Pregnant women who are more than 28 weeks pregnant and under 40 years old can only apply for life insurance, and they need a complete health manual for pregnant women. If the inspection values in the manual are abnormal, the pregnant woman may be required to have a re-examination after evaluation by the underwriting staff, but the chest X-ray examination will not be required. Medical insurance, accident insurance and accidental medical insurance can only be applied after delivery 1 month, when you are in good health.
Pregnant women who are pregnant for more than 28 weeks and over 40 years old cannot be insured for the time being, and can only be insured if they are in good health after delivery 1 month.
Choosing five reference insurance products for maternal and child insurance is dazzling and the terms are more complicated. Different insurance companies have different claims items and degrees. Prospective moms can refer to the following five directions when choosing maternal and child insurance:
1. Master contract or annex?
The amount of the main contract is relatively high, and it can be purchased independently, with death compensation. Supplementary agreements can be attached to specific types of insurance to increase the protection during pregnancy by increasing the insured amount.
Second, pregnancy payment items
That is, the relevant protection during pregnancy, such as death or total disability during the insurance period, and the death of the baby before the end of the insurance period, whether there are claims, etc. You need to know more about it before you apply for insurance.
Three, the infant congenital major disability payment items
In other words, before the end of the insurance period, the baby was diagnosed with "congenital major disability".
Four, women's specific disease payment project
If an accident occurs during the insurance period and reconstruction surgery is needed, are there any claims or specific exclusions in the policy?
V. Design of premium repayment
Maternal and child insurance and fetal insurance mostly contain repayment system, which has the function of saving, but different commodities have different repayment items. You must also be careful before buying insurance.
See more, listen more, compare more, and consult with life insurance consultants who already have insurance products at hand, or call insurance companies for more details, so as to help you find the most suitable insurance products.
List of necessary documents for applying for claims A. Medical diagnosis
The date and time of hospitalization and the date and time of discharge, the name and date of the disease and operation should be specified in detail.
B. Cost analysis
Including ward fees, material fees, medical disposal fees, etc.
C. Original receipt
Parents' protection is better than children's general "maternal and child insurance". Most of them only protect the baby's congenital serious illness, excluding general surgery and hospitalization. Therefore, regardless of whether the expectant mothers apply for maternal and child insurance, they can consider applying for medical insurance for their babies 15 days after their birth and with their ID numbers and names. If the insurance policy includes regular fixed payment, accident insurance and cancer insurance, it can have more complete medical insurance. But remember, the protection of parents must be better than that of children. Check whether your own protection is enough first, and then insure your child when the economy allows, so as not to pay the premium and cause greater losses!
He Jialin's experience: he has a life insurance salesman's login certificate and is qualified to sell foreign currency non-investment insurance products. He is currently a life insurance consultant of Prudential Group.