It is very necessary for parents to insure their children as soon as possible. The comprehensive protection plan for children's safety is suitable for minors who are healthy, can live and study normally and have poor awareness of risk prevention. Each insured person can purchase at most 1 copy.
The product is fully guaranteed, and the amount of unexpected hospitalization medical expenses is high. At the same time, the accidental hospitalization expenses caused by school injuries during the legal class period doubled to 654.38+ 10,000 yuan, and there were 654.38+05 kinds of serious illness protection, which was a necessary insurance product for children.
The characteristics of the product are: accidental injury leads to death, death disability payment, disability insurance; Necessary and reasonable medical expenses for hospitalization or outpatient treatment due to accidents shall be paid by accident injury medical insurance; During the insurance period, the hospital confirmed that the major diseases stipulated in the first occurrence clause paid the critical illness insurance premium, and the major diseases lasted for 30 days, and there was no observation period for accidental injuries.
The main contents of the comprehensive child safety protection plan are as follows:
1. Accidental death and disability: If the insured dies due to an accidental injury accident or illness, the Company will pay the death insurance premium according to the insured amount, and the insurance liability to the insured will be terminated.
2. Accidental inpatient outpatient service: The insured suffers from accidental injury and is treated in the hospital. If the actual medical expenses exceed RMB 50 yuan within 0/80 days from the date of the accident, the Company will pay 90% of the accidental injury medical insurance premium. (Medical expenses: 50 yuan is exempted, and the compensation ratio is 90%).
3. Serious illness of children: when the applicant applies for this insurance for the insured for the first time or intermittently, the waiting period is 30 days from the effective date of this contract. There is no waiting period for the insured to apply for this insurance continuously or the insured suffers from serious illness for the first time due to accidental injury. (The waiting period is 30 days).
Special instructions for the comprehensive child safety protection plan:
1. Waiting period: refers to the specified period when the contract comes into effect. Even if an insurance accident occurs, the beneficiary cannot get insurance compensation. This period of time is called waiting period. The waiting period is to prevent the insured from concealing high-risk factors and taking out insurance to obtain insurance money.
2. Hesitation period: 10 days. During this period, you can propose to terminate this contract, and the insurance company will refund the premium you paid without interest after deducting the fee not exceeding 10 yuan.
Answers to frequently asked questions about the comprehensive child protection plan;
1. Can the expenses caused by children's cold and fever be reimbursed?
A: This product provides protection for accidental hospitalization and outpatient service. If the child has a cold and fever, the corresponding medical expenses are not covered by this product.
2./kloc-can secondary school students under the age of 0/8 buy this insurance?
A: This product is fully guaranteed, covering minors aged 3- 18 who are healthy, can live and study normally and have poor awareness of risk prevention. Secondary school students below 18 can also insure this product. Please rest assured.
3. Why is there such a big difference between accidental hospitalization and accidental outpatient service?
A: The humanized design of this product provides a guarantee for accidental hospitalization and accidental outpatient service. Because the cost of accidental hospitalization is higher than that of accidental outpatient service, in order to provide customers with higher protection, the insurance coverage of the two kinds of protection is quite different, and the insurance coverage of accidental hospitalization is as high as 50 thousand yuan.
Typical cases of integrated child safety plan;
The baby is 9 years old, and his parents bought him a comprehensive child safety protection plan, paying the premium 100 yuan every year. During the insurance period, the baby went to physical education class and fell while playing basketball, resulting in a broken head and quadriplegia. The baby's reasonable outpatient fee is 7,000 yuan, and the reasonable hospitalization fee is 80,000 yuan, with a total expenditure of 86,000 yuan. You can get the following compensation from the insurance company: the accidental outpatient fee: (6000-50)*90%=5355, and the actual compensation is 5000 yuan. (The maximum compensation for unexpected outpatient service is 5,000 yuan) Unexpected hospitalization: (80,000 -50)* 90% = 7 1955, and the actual compensation is 7 1955 yuan. (The insured amount of accidental hospitalization is 50,000 yuan, and the insured amount of accidental hospitalization expenses caused during legal period is 65,438+10,000 yuan), and the total compensation is 76,955 yuan.
The comprehensive child safety protection plan provides safety protection for your children in case of accidents. Accidental hospitalization expenses are high, and critical illness insurance 15, which is the most needed insurance for young children.
Product recommendation: Children's comprehensive safety protection plan has comprehensive product protection and high amount of unexpected hospitalization medical expenses. At the same time, the accidental hospitalization expenses caused by school injuries during the legal class doubled to 654.38+10,000 yuan, with 654.38+05 kinds of serious illness protection. It is an essential insurance product for children.