Children's social security can provide children with the most basic medical security. Although the proportion of compensation and the maximum compensation are not as good as commercial insurance. But it also has two advantages.
First, you can make claims for outpatient medical expenses.
Outpatient expenses often occur, but commercial insurance generally does not bear the insurance responsibility of disease outpatient service.
Second, it can provide protection for congenital diseases and past diseases.
Some children may be born with some diseases. In order to control risks, commercial insurance does not provide guarantee services for this part of treatment costs.
The price of social medical insurance for children is also relatively low. Parents are advised to insure their children first, and then supplement and improve them with commercial insurance.
Children's commercial medical insurance includes three aspects: children's serious illness, children's hospitalization allowance and children's hospitalization expenses reimbursement.
At present, serious diseases are showing a trend of younger age, and reports of serious diseases in children are common. Many families are burdened by heavy medical expenses. Different from the post-event reimbursement of social security contributions, critical illness insurance can provide funds for follow-up treatment for children at the first time of diagnosis, with stronger protection and avoiding the dilemma of no money for treatment.
The general rate of critical illness insurance insured separately is higher than that of critical illness insurance with the same amount as additional insurance. Parents can take out children's critical illness insurance in addition to the education fund insurance to provide protection for their children and save premiums.
In order to better compensate social security for children's medical care, parents can choose children's medical insurance products beyond social security (the scope of protection covers medical items outside the social security payment catalogue).