Is it necessary for my child to have commercial medical insurance?

Hello, it is still very necessary for children to take out a suitable commercial medical insurance.

Children are relatively small, relatively weak in resistance, and prone to various diseases, commercial medical insurance can usually effectively make up for the lack of community medical insurance, and increase the corresponding protection for children in terms of medical security.

Here's how to get your child's health insurance.

The composition of children's commercial medical insurance mainly includes: children's accident medical insurance and children's critical illness and hospitalization medical insurance. For children, who are younger, have weak resistance, and are not strong in self-protection, accidental injuries and illnesses occur from time to time, it is recommended that you supplement these two aspects of medical insurance at the same time to give your children comprehensive protection.

When applying for insurance, you need to pay attention to: the coverage, the sum insured, and the exclusion of liability in the terms, and choose the insurance product with the widest coverage under the same conditions.

The products of several large domestic insurance companies are trustworthy, if you have average economic strength, you can choose consumer-based children's medical insurance for insurance, if you have strong economic strength, you can choose to have a certain return of dividends of savings medical insurance to insure your children.

Hope it helps.

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

Hello! Of course, it is also necessary for children to buy commercial medical insurance. The probability of accidents in children and the occurrence of certain diseases is still very high; In addition, food safety problems and air pollution problems have led to the frequent occurrence of serious diseases, and the age of onset is decreasing.

It is recommended that you go online to know the insurance, inquire about the product, the insurance case, or directly publish the insurance demand letter, the registered person of the insurance will customize the insurance plan for you, you can shop around, from which you can choose the most suitable insurance and service for you to be the most satisfied.

Hope it helps.

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How to buy insurance for your child

This question has discouraged countless mothers and fathers who want to buy insurance for their babies, and today the senior sister will study with you how to buy insurance for children so that they will not be pitted! Keep these three points in mind:

First, medical insurance is essential, especially for children!

Neonatal medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and children should be handled immediately as soon as they are born.

Second, commercial insurance gives priority to critical illness insurance + medical insurance + accident insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems in the future, such as delaying homework due to illness, which requires a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems in the future.

Let's take a look at medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, a 0 deductible hospitalization medical insurance, with an insurance amount of 10,000 yuan, which is only 1,200 yuan per year, which is very practical.

Finally, it is necessary to have an accident insurance, the child's accident insurance is particularly cheap, 200,000 yuan per year, only sixty or seventy yuan, can be the child's accidental death, disability and medical expenses caused by the accident are all fully covered, very cost-effective.

Third, is there any insurance that I should not buy for my child?

Don't assign life insurance to your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleWhy is it so hard to buy child insurance? You'll know when you see it!

There is a detailed introduction in it, and because it is written in detail, I will not introduce it here.

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

That's all for me"Is it necessary for my child to have commercial medical insurance? "All of them, I hope it helps you! Hope!

The medical insurance card is handled first. Then call a commercial insurance company to buy a medical supplement card, which will cost a few hundred yuan a year.

A must buy.

Resident health insurance. It is something that every citizen should buy, and it is not a bad thing to have more protection, and the biggest advantage of social insurance lies in its public welfare.

Everyone pays a small premium, which can be used by those who need it. This point is commercial insurance.

Incomparable.

And relative to commercial insurance.

Social security premiums are very low.

Further information: Commercial insurance refers to a form of insurance that is operated by a specialized insurance company for the purpose of profit through the conclusion of an insurance contract. The commercial insurance relationship is a contractual relationship voluntarily concluded by the parties, in which the policyholder pays insurance premiums to the insurance company according to the contract, and the insurance company bears the responsibility of compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility of paying insurance money when the insured dies, is disabled, sick or reaches the agreed age and period.

The so-called social insurance refers to the collection of insurance premiums to form social insurance**.

A social security system used to provide basic livelihood security to members of the group who are incapacitated or have lost the opportunity to work due to old age, sickness, maternity, disability, death and unemployment.

1.The main body of commercial insurance is a commercial insurance company.

2.The insurance relationship reflected in commercial dregs insurance is reflected through the insurance contract.

3.The object of commercial insurance can be people and things (including tangible and intangible), and the specific object is human life and body, property, and property-related interests, liabilities, credit, etc.

4.The operation of commercial insurance should be aimed at making profits, and it is necessary to obtain maximum profits to ensure that the insured enjoys the greatest economic security.

1.According to the number of policyholders, it can be divided into individual health insurance and group health insurance.

2.Depending on the length of the insurance period, it can be divided into short-term health insurance and long-term health insurance. The length of insurance is also combined with the number of policyholders to form group short-term insurance and group long-term insurance, and the same combination with individuals can constitute individual short-term insurance and individual long-term insurance. Ant Liang Dan.

3.According to the classification of insurance liability a) Sickness insurance refers to insurance with illness as the condition for the payment of insurance benefits, that is, as long as the insured suffers from a certain disease listed in the insurance clause, no matter whether or not medical expenses are incurred or how many expenses are incurred, a fixed amount of compensation can be obtained. b) Medical insurance.

Also known as medical expense insurance, it refers to insurance that compensates the insured for the expenses incurred while receiving medical services. c) Disability insurance, also known as income loss insurance and income security insurance, refers to a kind of insurance that causes losses to income and property due to the inability of the insured to work.

Children have business travel insurance.

Whether you still need to buy social security can be determined according to the actual situation of the slag grinding code.

Because social security provides the most basic protection, although the coverage of social security is wide, and the premium is as appropriate, it is relatively low in terms of coverage and reimbursement amount. For example, if a child is sick and hospitalized, social security does not reimburse all medical expenses, and many of them are not reimbursed by social security for self-financed drugs or self-paid items.

There are many types of commercial insurance that are suitable for children, such as children's critical illness insurance.

Medical insurance, annuity insurance.

etc., these can make up for social security in critical illness protection and medical insurance.

deficiencies.

Test your anti-risk index, experts will interpret it for you for free!

It is necessary to help children buy commercial medical insurance, because children's self-protection awareness and self-protection ability are relatively poor, and the probability of disease is relatively high. Once a child has an illness, there will be a certain amount of financial loss, and purchasing commercial medical insurance can help families resist the financial risks caused by the child's illness.

So how do we configure insurance for our children? Senior sister will tell you in one article:

In-depth article - How to buy insurance for children? Netizens shouted: Why did you only see it now

So in the next time, the senior sister will introduce to you the necessity of buying commercial medical insurance for children! Don't talk nonsense, go straight to the dry goods!

First of all, commercial medical insurance can cover part of the expenses outside the medical insurance, which can better compensate for the economic losses caused by the child's illness. Secondly, the child's own body immunity is relatively poor, and at the same time it is lively and active, and it is inevitable that he will run to the hospital because of illness or accident.

If the economic conditions allow and there is a need, it is very necessary to buy a commercial medical insurance for the child, even if there is already a children's medical insurance, you also need to buy commercial medical insurance.

The suggestion of the senior sister is to give priority to the purchase of children's medical insurance, protect the basic health needs of the child himself, and then match it with appropriate commercial medical insurance to strengthen the child's health protection reform system.

Less than 1000 yuan, get the child's insurance!

As for buying small medical insurance or millions of medical insurance for your child, it depends on the child's own protection needs.

Small medical insurance is a relatively small amount of medical insurance compared to millions of medical seepage insurance, the amount of insurance for this product is basically about 1-20,000, mainly used to solve the medical reimbursement of minor diseases.

At present, most of the million medical insurance products on the market will have a deductible of 10,000 or 20,000 yuan, and of course, there are some million medical insurance products with a deductible of 0.

So what are the millions of medical insurance plans on the market that are worth insuring for your child? Senior sister to tell you:

The latest top 10 million medical insurance rankings are newly released! Hope!

The expenses that can be reimbursed by children's medical insurance have certain restrictions in terms of medication, diagnosis and treatment items, and medical service facilities. In addition, for critical illnesses, the coverage of children's medical insurance is also relatively narrow. Commercial insurance, on the other hand, is used to make up for the lack of medical insurance.

For example, some insurance companies have launched commercial insurance without restrictions on the scope of social insurance drugs, and some children's commercial insurance has no minimum payment limit, as long as you go to a designated hospital for treatment, you can pay for it. It can be said that the relevant children's medical commercial insurance mainly provides higher medical protection in terms of cost and content, and families with higher economic income may wish to consider it.

To purchase commercial medical insurance, children need to have a child's household registration book and a guardian's resident ID card.

There is no need to buy commercial insurance, there are exaggerated elements

Improving children's medical insurance firstGenerally, we will recommend that parents first improve children's medical insurance for their children, and then consider configuring commercial health insurance products. Children's medical insurance is a policy that benefits the people, which can bring certain protection to children and teenagers, and the premiums of children's medical insurance are relatively cheap, and it is very cost-effective to buy.

For children under the age of age, children during this period are more likely to get sick, and the probability of hospitalization is relatively high, so parents should focus on purchasing reimbursement of hospital medical insurance. If the budget is sufficient, a hospital allowance can also be added to make up for the income that parents miss from work to care for their sick children.

In general, if the child has children's medical insurance, it is recommended that parents can purchase a small amount of cost-based hospitalization medical insurance to supplement the shortcomings of social insurance, and then focus on subsidy-type medical insurance or critical illness insurance.

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

It is necessary to buy children's medical insurance, because children's body immunity is poor, and the risk can be transferred through insurance, which is handled in the following ways:

1. Within 60 days from the date of birth, children shall go through the registration procedures through the community, village committee or township labor and social security office where their household registration is located, and after paying the insurance fee of the current year, they will enjoy the resident medical insurance treatment of the current year from the date of birth;

2. Those who go through the registration and payment procedures for insurance participation within 60 days after birth to 1 year will enjoy the domestic medical insurance treatment of the current year from the date of insurance, and will not be reissued after the deadline;

3. Children born from September to December of each year shall go through the registration and payment procedures for the next year's insurance at the same time when they first participate in the insurance, and then go through the registration and payment procedures for the next year's resident medical insurance from September to November each year. Those who fail to register for insurance and pay individual insurance fees within the time limit will not be reissued except in special circumstances. To meet the conditions for enrollment, the original and photocopy of the following materials shall be provided to apply for the insured:

1) The applicant's "Resident Identity Card", the insured's "Resident Household Booklet", and the current passbook or debit card of the designated bank.

2) Children of non-local migrant workers: The designated bank passbook or debit card in the name of the father, mother or insured child is scattered; Household registration booklet or Exit-entry Permit for Travelling to and from Hong Kong and Macao and Permit for Travelling to and from Taiwan for Mainland Residents of the insured children; Provide the "Resident Residence Booklet" and "Resident Identity Card" of the eligible parent or parent;

Legal basis: Article 24.

The State shall establish and improve a new type of rural cooperative medical system.

The management measures for the new type of rural cooperative medical care shall be stipulated by ***.

Article 25.

The State shall establish and improve a basic medical insurance system for urban residents.

The basic medical insurance for urban residents implements a combination of individual payment and subsidy.

Those who enjoy the minimum subsistence allowance, the disabled who have lost the ability to work, the elderly over 60 years old and minors from low-income families, etc., will be subsidized by **.