Storing umbilical cord blood and sending it to medical insurance, is it good or not

Click here to consult. Now the storage of umbilical cord blood in China is legal and protected by national laws, and the retention of the child's cord blood is a protection of life, and the stored cord blood is suitable for any close relative in the family. Because in life, where umbilical cord blood hematopoietic stem cells are used, the cost is not low, so in response to this problem, find a regular cord blood bank, store umbilical cord blood and get an additional medical insurance worth up to 10,000 yuan.

Newborns who have their cord blood stored become insured and are covered by the insurance company free of charge. Coverage:

1. If the insured undergoes stem cell transplantation before the age of 22, 80% of the medical expenses will be paid, with a maximum amount of 200,000 yuan.

2. If the insured is hospitalized for non-hereditary or non-congenital diseases before the age of 18, 70% of the insurance benefits will be paid for the part exceeding 200 yuan each time, with a limit of 100,000 yuan per year.

3. If the outpatient medical expenses incurred by the insured due to accidental injury before the age of 18 exceed 100 yuan each time, 70% of the insurance money will be paid, with a limit of 5,000 yuan per year.

At Life Bank, every child who stores cord blood receives a medical insurance for cord blood stem cell banking. Once the child needs to use umbilical cord blood for hematopoietic stem cell transplantation, the cord blood insurance can reimburse part of the cord blood stem cell transplant fee, which can greatly alleviate the medical burden on the family. If your child is healthy all the time, accident medical insurance and hospitalization insurance can also save your child's daily medical expenses.

Therefore, once the self-stored umbilical cord blood is used for transplantation, it will solve the two major obstacles of "difficult matching" and "huge medical expenses" at the same time.

All those within the scope of reimbursement stipulated by the state can be reimbursed.

Cord blood is stored. The insurance sent is to cover leukemia.

Aplastic anemia and other blood-related diseases.

There are three types of coverage:

1. Critical illness insurance benefits.

Leukemia, malignant lymphoma, aplastic anemia, neuroblastoma.

Myelodysplastic syndrome, hemophilic syndrome.

and other 6 blood-related major diseases, with a compensation of 300,000 yuan;

2. Critical illness transplant insurance benefits.

Those who suffer from the above 6 diseases and use autologous umbilical cord blood stem cells for surgical transplantation** will pay 100,000 yuan.

3. Sickness hospitalization insurance.

The insurance period is 5 years, and the sum insured is 50,000 years. In the event of other diseases other than the above 6 diseases and resulting in hospitalization**, the self-paid part of the individual after being reimbursed by social security will be 100% reimbursed for the expenses within the scope of social security (self-financed drugs and imported drugs cannot be reimbursed) after each deductible of 200 yuan; If it is not reimbursed by social security, it will not be reimbursed. Critical illness insurance for the duration of the policy.

20 years; Noisy additional hospitalization medical insurance for 5 years.

Compared with ordinary critical illness insurance, the free insurance covers too few diseases, the period of protection is too short, the insurance amount is too low, and the self-financed drugs cannot be reimbursed, which is only suitable for "icing on the cake" and is not suitable as a full protection. It is recommended to supplement social security and other commercial insurance.

Extended information] Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility for compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract. From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is a part of social production and social life"Delicate stabilizer"；from risk management.

From perspective, insurance is a method of risk management.

Insurance interest refers to the legally recognized interest of the policyholder in the subject matter of insurance. Usually, the policyholder will suffer economic losses due to the damage or loss of the insurance object, and will receive benefits because of the preservation of the insurance object. An insurance interest can only be established if it is legally recognized, economic, definite and not expected.

Generally speaking, the insurable interest of property insurance exists at the time of the insured event, at which point the loss can be compensated; The insurable interest of life insurance must exist at the time of conclusion of the insurance contract to prevent moral hazard.

The conditions for its establishment are that the insurance interest must be a legitimate interest, the insurance interest must be an economically valuable interest, the insurance interest must be a definite interest, and the insurance interest must be an interested interest.

Umbilical cord blood. Accidental death, accidental dismemberment, accidental injury hospitalization, sickness hospitalization, cord blood transplantation, major organ transplant death or disability are covered.

1.Accidental death, when the insured dies in an accident, the insurance company will pay the death insurance benefit in accordance with the contract;

2.Accidental disability, when the insured is accidentally disabled, the insurance company pays the disability insurance benefit in accordance with the contract;

3.When the insured is hospitalized due to accidental injury, the insurance company shall pay the accidental injury hospitalization insurance benefit in accordance with the contract;

4.When the insured is hospitalized due to illness, the insurance company shall pay the hospitalization insurance benefits in accordance with the contract;

5.Umbilical cord blood transplantation, when the insured person has a non-hereditary, non-congenital blood malignancy, aplastic anemia.

When cord blood stem cell transplantation is required for other diseases, the insurance company will pay the cord blood transplant insurance benefits in accordance with the contract;

6.In the event of death or disability due to major organ transplantation, the insurance company shall pay the corresponding insurance benefits in accordance with the contract.

Extended information] Umbilical cord blood insurance requires the policyholder to pay a one-time initial testing fee and an annual storage fee according to the regulations, and then provide the depositor with an insurance amount of 10,000 yuan.

of medical insurance. Here's what cord blood insurance covers:

1.Accidental death, reimbursement of 10,000 yuan.

2.Accidental injury, deductible.

100 yuan, 70% reimbursement within the scope of medical insurance, 1,000 yuan for outpatient reimbursement per year, and 4,000 yuan for inpatient reimbursement.

3.Hospitalization for illness requires tiered reimbursement. The lower the cost of hospitalization, the lower the reimbursement rate, while only reimbursement is made for expenses covered by basic medical insurance.

4.For cord blood transplantation, the insured can pay up to 300,000 yuan for non-hereditary, non-congenital malignant blood diseases, aplastic anemia and other diseases that require cord blood stem cell transplantation.

When storing umbilical cord blood, the depositor needs to pay the examination fee and storage fee, and will receive a health insurance at the same time, so the cord blood insurance can be insured, if it is a disease hospitalization, then it can be reported 100,000 yuan per year, 200-30,000 yuan can be reported 70%, 30,000-60,000 can be reported between 80%, more than 60,000 can be reported 90%, in addition, accidental outpatient and accidental hospitalization can be reimbursed, and more than 100 yuan 80% reimbursement.

Summary. Cord blood insurance covers accidental death, accidental dismemberment, accidental injury hospitalization, illness hospitalization, cord blood transplant, major organ transplant death or disability.

Cord blood insurance covers accidental death, accidental dismemberment, accidental injury hospitalization, illness hospitalization, cord blood transplant, major organ transplant death or disability.

You can choose to upgrade your service!

Hello, cord blood insurance can generally cover the following contents:1If the insured suffers from non-hereditary, non-congenital malignant blood disease, aplastic anemia and other diseases before the age of 22, and undergoes umbilical cord blood stem cell transplantation at a medical institution designated by the insurance company, the insurance company can make a claim. 2.

If the insured suffers from a non-hereditary or non-congenital disease before the age of 18 (except as provided in the preceding paragraph), and the medical expenses incurred in the medical treatment facility approved by the county level or above or the medical institution recognized by the insurance company meet the local basic social insurance, the insurance company can make a claim; 3.If the insured suffers an accidental injury before the age of 18, the insurance company can pay the insurance benefits in accordance with the contract.