The baby is now enrolled in kindergarten and is a resident, what insurance should I buy for her

Hello! Your baby has signed up for kindergarten, for your baby, it is the first time to go out of the house to contact the society, as a parent you are very worried, it is necessary to buy a suitable children's insurance for her in time. There are many insurance companies available for children's insurance, so you can compare and choose from them.

How to insure a baby in kindergarten Accidents and diseases are always the two major killers around children, therefore, when insuring your baby in kindergarten, you should choose a children's insurance product with accident and illness protection to insure, and remind you to pay attention to the following points before purchasing: 1. Protection responsibilities and exclusions. Before purchasing children's medical insurance, you must carefully read the terms of the insurance product, especially pay attention to the provisions of the exclusions, deductibles, and exemption periods, understand your rights and obligations, and purchase rationally.

2. The length of the waiting period. Many children's medical insurance products have a "waiting period" that will not be paid if the insured becomes ill within the waiting period. 3. Guaranteed renewal clause.

That is, after the expiration of the previous insurance period, if the policyholder submits an application for renewal, the insurance company must continue to underwrite the policy in accordance with the original terms, and the rate cannot be adjusted according to the individual's risk status.

For your kindergarten baby, it is very important to choose a formal insurance platform, which concentrates the children's insurance products of a number of well-known domestic insurance companies, and the insurance is very reliable, and you are welcome to choose.

If you are hospitalized, you can use medical insurance and commercial accident insurance to cover the medical expenses that are eligible for insurance reimbursement. However, the State applies the principle of compensatory treatment to medical expenses, i.e. the insurance compensation received (social insurance.

and Shang refers to Fengye Insurance) will not exceed the actual expenditure. The insurance purchased by the kindergarten generally includes children's social security and commercial accident insurance. When hospitalized, children's medical insurance is reimbursed on a pro-rata basis, most of which is borne by the overall medical care, and the rest needs to be underwritten by individuals.

The personal part can be insured for commercial accident insurance. It is recommended that those involved in hospitalization should use children's medical insurance as much as possible, because the compensation amount of commercial insurance is limited, and the combination of the two can minimize personal losses.

It should be noted that when reimbursing children's medical insurance, the relevant bills and vouchers should be copied and retained, or the statement should be issued and stamped with the official seal of acceptance, so as to be used as the basis for other insurance to review the amount of compensation.

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Summary. Can I be reimbursed for hospitalization with insurance bought in kindergarten?

The insurance company will only reimburse the expenses within the scope of liability. There are many insurance products on the market, and when kindergartens buy insurance for their children, parents should carefully understand the terms of insurance and not confuse the scope of insurance liability.

Can I get reimbursement for the insurance I bought at kindergarten if my child is hospitalized?

Can I be reimbursed for hospitalization with insurance bought in kindergarten? The insurance company will reimburse the expenses only for expenses within the scope of liability. There are a variety of insurance products on the market, when the kindergarten buys insurance for the child, as a parent, you should carefully understand the terms of the insurance, and do not confuse the scope of insurance.

The child was hospitalized with pneumonia.

Can I report it? What is the insurance, you know?

1. Medical insurance.

Because the age of the kindergarten children is only about 4 years old, so they are not fully developed, the resistance is relatively poor, the Pei people are easy to be hospitalized due to some accidents and diseases, and medical insurance can reimburse the resulting medical expenses, therefore, it is necessary to buy a medical insurance for the child.

2. Accident insurance.

Kindergarten children are still more skinny, curiosity is also heavier, often accidents occur because of this, and accident insurance covers accidents, so you can buy an accident insurance for the child.

3. Critical illness insurance.

Because it is not uncommon for children to suffer from serious illnesses nowadays, and serious illnesses.

The ** fee that needs to be spent is relatively large, which many families cannot afford, so you can buy a critical illness insurance for your child. With mitigation and disadvantages.

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<>The insurance suitable for newborns to go to school is:

1.Children's medical insurance: It is the most basic protection, with low premiums and relatively wide coverage;

2.Student Insurance: It is an accident insurance, which can mainly cover accidental death or disability, accidental medical treatment, accidental hospitalization allowance, and hospitalization medical treatment. Some Xueping insurance also provides death from illness, critical illness insurance, specific infectious disease insurance, specific infectious disease death insurance and other insurance liabilities;

3.Children's accident insurance: If you are not insured by school insurance, then parents can also choose other children's accident insurance for their children, after all, children are lively and active, and the probability of accidents is relatively high compared to adults.

4.Accident medical insurance: It can mainly reimburse the medical expenses incurred by the insured due to accidents;

5.Million medical insurance: It can mainly reimburse the medical expenses incurred by the insured due to accidents or diseases, but the deductible is relatively high, mostly around 10,000, but its insurance amount is also very high, generally up to one million, which can be mainly used to deal with the risk of serious illness;

6.Small medical insurance: For example, outpatient and emergency insurance, which can mainly reimburse outpatient emergency medical expenses, can be used to deal with the risk of minor diseases;

7.Children's Critical Illness Insurance: It mainly covers malignant tumors, severe hand, foot and mouth disease and other critical illnesses, and it is recommended to choose children's critical illness insurance with common children's critical illnesses for insurance;

8.Education Annuity Insurance: It can be purchased when the child is still young and hungry, and when the child reaches the age of education, you can start to pay the annuity.

When buying insurance for your child, you also need to pay attention to the following:

1.To choose the appropriate insurance order, it is generally necessary to complete the health insurance first and then apply for other types of insurance;

2.Pay attention to the premium, which should not affect the normal life of the family;

3.Additional exemptions, such as policyholder waivers, can be considered, so that even if the insured person has an insured event, the child's coverage will not be voided because there is no policyholder to continue to pay the premiums.