I am 22 years old, I just bought Ping An universal insurance yesterday, and I also paid medical insu

Of course not, the birth of a child can only be reimbursed by the maternity insurance of the social insurance, and the hospitalization medical insurance of universal insurance does not report the cost of giving birth to a child.

Well, commercial insurance companies have made it clear that childbirth is not covered by insurance because it is not an accident or illness. Moreover, if you buy universal insurance, even if you have an accident or illness, it depends on whether you have additional risk reimbursement.

If you have a job and the employer has paid maternity insurance for you, then you can go to the local social security department to reimburse a certain amount of expenses after you give birth, and you can also be reimbursed if you don't have a unit.

No, at present, the only thing that can be reported for childbirth is maternity insurance. If you don't know much about universal insurance, you can take a look at the following introduction.

Universal insurance is a type of insurance that integrates investment income, death protection, and critical illness protection, with multiple protections under one policy. This kind of insurance, insurance companies are the most popular one, and the name is beautiful: universal insurance is omnipotent.

Even some large companies with first-line brands are recommending, such as Ping An. There are still a lot of popular universal insurance products of Ping An, such as Smart Star, Smart Star, Smart Life, Smart Life, etc., and the protection content looks good. Is that really thoughtful?

Just look down?

Let's analyze the more popular "outwitting life".

Let's take a look at its financial management features first.

The main insurance of this insurance is universal whole life insurance, mainly for you to configure a universal account, but it is used to increase the amount of value only after deducting the initial cost and protection cost, and the specific amount that can be increased is uncertain, but there is a guaranteed interest. What is the concept, the interest rate of Yu Bao is about now.

How much money will be deducted from the initial cost and security cost, this will talk a lot, I won't talk about it here, if you are interested, you can see the original article of my evaluation:"It's said on the Internet that a safe outwitting life is not good, is it true? 》

Let's talk about its safeguard function.

For example, if you have chronic kidney dysfunction, the insurance company will not pay you a penny, and you will not pay a penny until it becomes end-stage renal disease. Most critical illness insurance products include mild illness coverage, and the payout ratio can be as high as 50%. You can understand the protection content of these popular critical illness insurance in China:

"Super Complete! A big comparison of 136 popular critical illness insurances in China

The water of universal insurance is very deep, I do not recommend ordinary families to buy universal insurance, it is not really universal. It is recommended that you honestly buy critical illness insurance, life insurance, etc., which are specifically designed for a kind of insurance that protects the reverse.

That's all I have for this issue, I hope it will be useful to you. Hope!

IMHO, do you personally understand universal insurance? Do you know how much money you need to pay and how much you can receive in the future? and other vital interests, these issues you must care about.

Universal insurance is suitable for people who are wealthy and ready to pay for life.

Universal insurance, including the universal insurance of all insurance companies, is divided into two parts: regular payment and retroactive payment, and the retroactive part is rewarded with a certain percentage, which is a lifelong payment, not paid for 3 years or 10 years.

Speaking of universal insurance, is universal insurance really universal? Is it really the same as it says? It is said that the insurance is flexible to pay, and it can be paid for three or five years, but there is no such thing as insurance, why?

In other words, if the payment is flexible, it is not insurance, but should be called saving money, to the bank survival period, want to save it, don't save if you want to, save for three years if you want to, save for five years if you want to save for five years, this is called flexibility. As you know, there is no such thing as a free lunch.

Have you heard that the freedom to receive and the receipt of insurance are completely different from those of banks? Insurance cannot be withdrawn casually, and there will be a loss in expenditure, but the deposit can be saved if you want to be saved, and you can withdraw it when you want, which is more flexible.

Universal insurance, if you have prepared sufficient remaining funds, you can consider insurance; If not, be cautious, otherwise you will end up thinking that "insurance is a lie".

In addition, when you mentioned medical insurance, it only covers the reimbursement of your own medical-related expenses, and does not include the reimbursement of maternity-related expenses.

You can't report it, but the type of insurance you bought is very good, and you can now increase your protection and increase the value of your life.

No, because it is not an illness or accident, it is a normal childbirth so it is not reported.

Commercial health insurance generally exempts the insured from liability for "illness or death, disability and any complications caused by birth control, pregnancy, miscarriage, childbirth, etc." Health insurance obviously does not have a responsibility to pay insurance benefits for the birth of a child.

Universal insurance only pays for death, and only commercial maternity insurance has relevant subsidies to deal with the cost of childbirth!

Childbirth is exempt from liability...

There will be maternity insurance in social security.

How can there be insurance for the birth of a child!

Ping An insurance is generally not reimbursed for giving birth, depending on whether the insurance provides protection for pregnant women and the birth of the baby, if the insurance is critical illness insurance, accident medical insurance, million medical insurance, etc., it is not reimbursed, because the birth of a child is a normal hospitalization, not a disease hospitalization.

At present, the types of insurance for reimbursement for childbirth mainly include maternity insurance and NCMS medical insurance in employee social security, and the specific reimbursement ratio is related to local social security and medical insurance policies.

Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "Ping An of China", "Ping An Insurance Company", "Ping An Group") was born in Shekou, Shenzhen in 1988, is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial service group integrating financial insurance, banking, investment and other financial services.

It is listed on the main board of the Hong Kong Stock Exchange and the Shanghai ** Stock Exchange, ranking 7th in the Forbes Global 2000 in 02318 and 2000 respectively, jumping 3 places from the 2018 ranking.

Ranked No. 1 among the world's diversified insurance companies, No. 5 among many shortlisted companies in China, and No. 6 among global financial companies; "2019 Brandz Top 100 Most Valuable Global Brands" was announced, and Ping An ranked 40th; In the list of "2019 Top 500 Global Brand Value", Ping An's brand value ranked 14th in the world. In the "2019 World's Top 100 Most Valuable Insurance Brands" list, Ping An of China topped the list; On September 1, 2019, the list of China's top 500 service enterprises in 2019 was released in Jinan, and Ping An Insurance (Group) of China ranked third.

In December 2019, Ping An Insurance (Group) Co., Ltd. of China was selected as one of the top 100 brands in the 2019 China Brand Power Ceremony. On December 18, 2019, People** released the China Brand Development Index 100 list, and Ping An ranked 20th. In March 2020, it was selected as the 9th in the top 500 global brands in 2020.

On September 28, 2020, it was selected into the list of the top 500 Chinese enterprises in 2020, ranking sixth. In 2020, the Fortune Global 500 ranked 21st, up eight places from 29th in 2019. In 2021, the Fortune Global 500 ranked 16th.

Reimbursement conditions for hospitalization expenses for giving birth to a baby:

1. It must be a drug within the scope of social security (tell the doctor in advance, do not use self-financed drugs unless you have to do so), and the bed fee cannot exceed the standard pants. (Neither medical insurance nor commercial insurance reimburses self-financed drugs).

2. For all production expenses, a medical insurance card will be issued at the time of checkout, and the balance will be paid by yourself after the proportional reimbursement.

3. The invoices, hospitalization certificates, and summaries after medical insurance reimbursement will be handed over to the commissioner of the company's commercial insurance company for reimbursement of the balance, and the reimbursement will be made within the insurance limit purchased by the company. (For the specific amount to report, please consult the insurance company: limit and reimbursement ratio).

Assuming that you use 5,000 yuan and have no out-of-pocket items, then remove the 1,500 yuan of medical insurance, and the remaining 3,500 yuan will be reimbursed by the commercial insurance company, assuming that the limit is 10,000 yuan (per year), and the reimbursement ratio is 100% of the social security balance, you can be reimbursed 3,500 yuan. Then congratulations on having a baby without spending money!

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