Parents choose insurance for their children.
Buying insurance for children has become the choice of many parents, especially medical insurance. However, it should be reminded that parents do not have to be blindly insured for their children. They can consider insuring the public welfare type of insurance, and at the same time, to find out what medical insurance the child has, so as to avoid repeated insurance or purchase of unsuitable insurance.
Case 1: There is already a “one-child comprehensive insurance”. Ms. Wang works in a large state-owned enterprise. After her daughter Lingling was born last March, the unit purchased the “one-child comprehensive insurance”.
This kind of insurance is a kind of public welfare group insurance product introduced to avoid the accidental risk of the one-child disease. It is generally purchased by the organization of the parent, the neighborhood committee and other organizations. The unit is life. According to the regulations, the “one-child comprehensive insurance” has been handed over from birth to 18, and the insured has the following guarantees: death, accidental injury insurance liability 20000; accidental injury outpatient medical insurance liability 3000; hospitalization insurance liability 30,000.
Compared with the same commercial child insurance, the “one-child comprehensive insurance” pays 60 per person per year, while in the case of the same amount of insurance, commercial insurance expenditures are mostly more than hundreds. Therefore, parents should first purchase a “one-child comprehensive insurance” for their children, and then add commercial medical insurance on this basis.
Guarantee plan: increase hospitalization medical insurance. If Ms. Wang considers increasing her daughter's hospitalization medical insurance, she can add life insurance to life insurance in addition to the one-child comprehensive insurance policy for life insurance. The latter's coverage mainly includes hospitalization stickers and surgical subsidies. Outpatient clinics, hospitalizations, and self-funded drug reimbursement, etc., annual premiums of 1744.
Assume that Lingling is hospitalized for 10 days due to appendicitis, hospitalization fee is 7600 (including 600 self-funded drugs), and outpatient fee is 400, which costs a total of 8,000. Ms. Wang can go to Life Insurance to apply for the “one-child comprehensive insurance” claim, and according to the corresponding ratio, she can get a claim of 4,250.
In addition, due to the insured commercial medical insurance, Ms. Wang can also report to the insurance company 3750 (after one party pays, the remaining expenses are 100% reimbursed within the quota), while the self-paid drugs can be reimbursed for 400, and the hospital can be paid for 10 days. (10-2) × 25 = 200, surgical stickers 2000 × 30% = 600, a total of 4950 claims can be returned. In this way, Ms. Wang gets a total of 9200 insurance claims, and an extra 1200 can make up part of the cost and some bonus losses.
Case 2: Insured “study insurance”, for parents who have entered kindergarten more than 3, parents can give priority to “learning insurance”. Like the “one-child comprehensive insurance”, “Study Insurance” is a special type of insurance for underage students. The insured can obtain more than a few dozen premiums, including accidental injuries, accidental medical treatment, and hospitalization. Item guarantee. For example, “study insurance”, premium 80, can get 3000 accidental injury insurance, 6000 accidental injury medical insurance and 50,000 major illness insurance. In this way, before the 18th, Lingling had both “one-child comprehensive insurance” and “study insurance”, and accidental medical care and hospitalization medical insurance were sufficient.
Guarantee plan: focus on major illness insurance. When adding commercial medical insurance, Ms. Wang believes that her daughter’s general medical insurance is sufficient, so she can focus on insuring her daughter’s major illness insurance. For example, Life Insurance's "2007 Children's Protection Plan", the annual premium of 2610, the payment to the child 18 years of age, the cumulative payment of 46980, the child can get 100,000 major illness protection, 100,000 death protection before 25 weeks At the 25th week, you can also receive 50,000 full-time insurance premiums and accumulated bonuses.
Case 3: Children have family medical reimbursement. At present, some people also have public medical care, and their children can also enjoy certain family medical reimbursement. For example, Mr. Chen and Mrs. Chen are both employees of the institution, and their sons can also enjoy 50% of public expenses. Medical, but the protection is not comprehensive, there is no major illness and death compensation. In addition, with the reform of the social insurance system, there are more and more variables in public medical care, and parents should not rely too much on it.
Guarantee plan: Supplementary medical reimbursement part, whether it is "one-child comprehensive insurance", "study flat insurance" or unit public medical care, is an after-the-fact reimbursement type, and can not be repeatedly obtained claims. Therefore, parents can reduce the proportion of reimbursement-type medical insurance when they are insured for commercial medical insurance for children with the above insurance, and focus on medical insurance and major illness insurance for insured hospitalization.