How about China Life Student Child Accident Insurance? Is it good to use?

Hello, how about this insurance, whether it is good or not, this needs to be analyzed according to the actual situation of the insured himself, each insurance has its own value and significance, not every insurance is suitable for everyone, it is recommended that you should choose according to the actual situation of the insured and then combine with the specific type of insurance, here is a reference link for you.

How to buy student child accident insurance).

Xueba says insurance, to help you avoid all the pitfalls of buying insurance for your children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

Click Claim Now.

How to buy insurance for your child

First, the country's medical insurance must be handled!

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so it is necessary to handle the medical insurance for the child.

Second, if you plan to buy commercial insurance, critical illness insurance + medical insurance + accident insurance, this is my advice to you.

Let's start with critical illness insurance, which provides coverage for as long as possible. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the best expenses, it can also solve many hidden problems caused by illness, such as children who delay their studies because of illness, and even some subsequent life losses, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can solve these problems in the future.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is not expensive and very useful.

Finally, let's look at accident insurance, the child's accident insurance is very cheap, the insurance amount of 200,000 yuan is only sixty or seventy yuan per year, which can protect the child's accidental death, accidental disability and accidental medical liability, which is not expensive and very useful.

Third, don't buy both types of insurance for your child!

Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. I know the specific reasons in this articleHow do I buy insurance for my child?

There has been a detailed introduction in , so I won't go into too much detail here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it comprehensively for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is low and real.

That's all for me"How about China Life Student Child Accident Insurance? Is it good to use? "All of them, I hope it helps you! Hope!

Procedures required for reimbursement of China Life Student Child Accident Insurance:

1) Medical diagnosis certificate; (If you have been hospitalized**, you also need to provide a copy of the medical record and discharge summary during the hospitalization, and if there is a radiological or imaging examination, you need to provide an examination report, etc.).

2) Certificate of accidental injury issued by the relevant department; (If there is a traffic accident or an accident that has been committed by a public security organ, it is necessary to issue an accident statement of the organ or department; If not, a certificate issued by the insured's work unit or neighborhood committee is required, see the attachment for details).

3) Original receipts (invoices) and prescriptions (drug lists) for medical expenses;

4) A copy of the applicant's ID card or household registration certificate;

5) A copy of the ICBC passbook.

Student Accident Insurance Reimbursement Process:

1. After an accident or hospitalization, you should call the customer service staff of the insurance company in time to understand the documents that need to be prepared, so that the insurance company can quickly settle the key claims.

2. The procedures required for the insured to handle the claim due to accidental injury (hospitalization medical insurance needs to be hospitalized in a second-level (including second-class) or above hospital recognized by the insurance company).

3. The insurance company will make a notice of closure within 7 working days when all the documents are complete, and the insured or beneficiary can go to the insurance company to receive the compensation with his ID card and household registration certificate or check whether the compensation has been received in the passbook account account provided by the insured or beneficiary after receiving the notice.

Extended reading: [Insurance] How to buy, which good state shirt, hand by hand to teach you to avoid insurance"pits"

Summary. 2. If the insured suffers an accidental injury accident and the accidental injury directly causes the insured to have one of the disability items listed in the "Table of Disability Degree of Disability and Insurance Payment Ratio of Life Insurance" attached to the insurance contract within 180 days from the date of the accident, the insurance company shall pay the accidental disability insurance benefit to the beneficiary of the accidental disability insurance benefit according to the payment ratio listed in the table multiplied by the insured amount of the insurance contract. If the insured has not completed the accident within 180 days** from the date of the accident, the disability assessment shall be carried out according to the physical condition of the insured on the 180th day from the date of the accident, and the accidental disability insurance benefit shall be paid to the beneficiary of the accidental disability insurance benefit accordingly.

If the insured suffers two or more disability items listed in the schedule due to the same accidental injury, the insurance company shall pay the sum of the insurance benefits of all accidental disability. However, when different disability items belong to the same accident, only one accidental disability insurance benefit will be paid according to the more serious item.

Ask about insurance.

China Life Ruixin long-term accident insurance for children, including those accidental injuries to report.

Hello dear, glad to answer for you. China Life Ruixin long-term accidental injury insurance for children, including injuries, cat scratches and dog bites, can be reimbursed.

The scope of protection of children's accident insurance mainly includes three aspects, such as accidental death, accidental disability and accidental medical treatment, which are described as follows: 1. If the insured suffers an accidental injury and dies within 180 days from the date of the accidental injury due to the accidental injury, the insurance company shall pay the accidental death insurance benefit to the beneficiary of the accidental death insurance according to the insured amount of the insurance contract, and the insurance contract shall be terminated.

2. If the insured suffers an accidental injury accident and the accidental injury directly causes the insured to have one of the disability items listed in the "Table of Disability Degree of Disability and Insurance Payment Ratio of Life Insurance" attached to the insurance contract within 180 days from the date of the accident, the insurance company shall pay the accidental disability insurance benefit to the beneficiary of the accidental disability insurance benefit according to the payment ratio listed in the table multiplied by the insured amount of the insurance contract. If the insured has not completed the accident within 180 days** from the date of the accident, the disability assessment shall be carried out according to the physical condition of the insured on the 180th day from the date of the accident, and the accidental disability insurance benefit shall be paid to the beneficiary of the accidental disability insurance benefit accordingly. If the insured suffers two or more disability items listed in the schedule due to the same accidental injury, the insurance company shall pay the sum of the insurance benefits of all accidental disability.

However, when different disability items belong to the same accident, only one accidental disability insurance benefit will be paid according to the more serious item.

Your side needs to be reimbursed, right?

Well, cat's paw can be reported yes, there is a national life Ruixin additional accident insurance of 150 yuan per year, 14 began to pay, 9 years this year, 10 years, ten is a long-term accident management, or on the payment period of cat's paw dog bite tube reimbursement.

Yes, you can make a claim.

These are all accidents.

Procedures required for reimbursement of China Life Student Child Accident Insurance:

1) Medical diagnosis certificate; (If you have been hospitalized**, you also need to provide a copy of the medical record and discharge summary during the hospitalization, and if there is a radiological or imaging examination, you need to provide an examination report, etc.).

2) Certificate of accidental injury issued by the relevant department; (If there is a traffic accident or an accident that has been committed by a public security organ, it is necessary to issue an accident statement of the organ or department; If not, a certificate issued by the insured's work unit or neighborhood committee is required, see the attachment for details).

3) Original receipts (invoices) and prescriptions (drug lists) for medical expenses;

4) A copy of the applicant's ID card or household registration certificate;

5) A copy of the ICBC passbook.

Student Accident Insurance Reimbursement Process:

1. After an accident or hospitalization, you should call the customer service staff of the insurance company in time to understand the documents that need to be prepared, so that the insurance company can quickly settle the claim.

2. The procedures required for the insured to handle the claim due to accidental injury (hospitalization medical insurance shall be hospitalized in a hospital of the second level (including the second level) or above recognized by the insurance company).

3. The insurance company will make a notice of closure within 7 working days when all the documents are complete, and the insured or beneficiary can go to the insurance company to receive the compensation with his ID card and household registration certificate or check whether the compensation has been received in the passbook account account provided by the insured or beneficiary after receiving the notice.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Almost need to pay about 20,000 yuan of insurance, insurance needs to bear a lot of things, if the child appears any of them, because they need to bear a certain responsibility, after all, this cost is also relatively high.

Xueba said insurance, teach you to buy insurance for your children and not be pitted! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, you can click on it to take a look, I hope it can help you.

What insurance should I buy for my child?This problem has discouraged countless mothers and fathers who want to buy insurance for their babies, so let's take a good look at how this problem should be solved! Explain from these three aspects:

First, health insurance is essential, and so are children!

Newborn medical insurance (urban and rural residents' medical insurance) is the national basic insurance, the child should be born immediately handled, whether serious or minor illness, the basic medical insurance is particularly important, this is the basic security benefits given by the state, must be handled well.

Second, if you plan to buy commercial insurance, critical illness insurance + medical insurance + accident insurance, this is my advice to you.

Let's start with critical illness insurance, which provides coverage for as long as possible. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the problem of medical expenses, it can also solve other associated problems, such as the delay in studies caused by medical treatment and some losses in subsequent life, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance policy can be used to solve these problems.

Let's talk about medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan a year, you can buy an insurance amount of 10,000 yuan, which is cheap and useful.

Finally, let's take a look at accident insurance, children's accident insurance is very cheap, 200,000 yuan per year is only sixty or seventy yuan, don't look at the cost is not much, but there is a lot of protection. Accidental death, dismemberment and accidental medical liability of children can be covered, which is very practical.

Third, what insurance should not be bought for children?

Don't choose life insurance for your child, and try not to attach both liabilities to critical illness insurance. The specific reasons I know are in this answerHow to buy insurance for your child without being cheated? This guide tells you!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the above insurance ideas, if you configure regular insurance for your child, you can get it for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"What are the procedures for reimbursement of China Life Student Child Accident Insurance?"

Call ** to the salesman.

Information of other companies, to give you a reference: 1, the front and back of the copy of the parent's ID card, ** number; A copy of the child's household registration; 2. A copy of the passbook; 3. The original hospital disease diagnosis certificate and discharge summary; 4. General list of settlements at the time of discharge; 5. Original medical expense invoice and medical records; 6. If it is an accident, an accident certificate is required.

The materials required for medical reimbursement of Xueping Insurance should be selected from a secondary or above hospital 1) Materials required for outpatient treatment 1, the original receipt of the outpatient machine, and the prescription should be attached to the drug fee 2. Examination fee and ** fee documents: a detailed list and inspection report must be provided; The receipt of medical treatment fee shall be stamped with the fee stamp; **Fee is not reimbursed 3, outpatient medical records 4, emergency medical records need to be provided for emergency medical records 5, diagnosis certificate 2) Materials required for hospitalization 1, summary list of hospitalization expenses, detailed list, original receipt of hospitalization expenses 2, admission records, surgical records, discharge records, inpatient medical records and copies of various examination reports stamped with the hospital's red seal. 3) Materials to be prepared by parents 1, the original policy 2, the home page of the child's household registration book, the home page of the account owner, the page of the person applying for claims (i.e. the guardian), the child's page 3, the copy of the birth certificate 4, the copy of the applicant's savings passbook or bank savings card (front and back, with signature on the back) 5, the copy of the applicant's second-generation ID card (front and back).

Hello The accident insurance purchased by the child in this first Chinese life is not payable for the death of the disease. Accident insurance only covers injury, disability and death caused by non-human causes, and illness does not fall within the scope of accident insurance. Illness is covered by critical illness insurance.