What kind of insurance can I buy for my child to cover the hospitalization expenses?

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages

You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insurance

It is based on the specific analysis of different groups of people, different ages, different family structures, and different physical health conditions, and I have made a collation to share with you, based on the insurance strategy, I clearly know how the insurance should be configured for families with an annual income of 300,000 yuan

If you are in the teenage stage (0-20 years old), choose critical illness insurance, medical insurance and accident insurance

How do I buy insurance for someone under 20 years old? People who are less than 20 years old, in the period of physical and mental growth and development, need to pay attention to the medical situation of minor diseases to avoid sequelae, therefore, it is recommended to configure a medical insurance, which can be used to reimburse medical expenses; In addition, there are more accidents in the child's growth stage than in other stages, so it is also necessary to have accident insurance to prevent accidental disability or death; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

If you are in the youth stage (20-30 years old), choose critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, most of them have begun to live independently, at this time the body is young, the spirit is good, once you suffer from a serious illness, now the cost is at least more than 100,000, and ordinary families can take it out at one time, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the premium required is not high, a month is only a few dozen, you can consider it, in line with this age group friends can see the senior sister beforeYoung people in their 20s, how to buy insurance for themselves

You can take a look at this article.

People in their 30s to 50s are recommended to consider critical illness insurance, life insurance, accident insurance, and medical insurance first

What kind of insurance is more cost-effective to buy at the age of 30? At this time, buying insurance is more for your family than yourself. Middle-aged people are under the pressure of work and life, and as they get older, the probability of illness is also increasing, critical illness insurance and medical insurance can provide adequate protection for illness; If an accident happens, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

Friends who meet this age group can watch before the senior sisterWhat kind of insurance is more cost-effective to buy at the age of 30?

How do you choose the right insurance for you? If you want cost-effective and reliable insurance products, the key is to choose the right insurance products.

"What kind of insurance can I buy for my child to cover the hospitalization expenses? "Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

Hospitalization medical insurance and some high-end medical care can be purchased to reimburse medical expenses during hospitalization.

Hospitalization is generally the remaining part of the reimbursement after the social security reimbursement is completed, and the reimbursement is based on a certain percentage, and the imported drugs that are not reimbursed by the social security are also not reimbursed. It generally exists in the form of additional insurance, which needs to be attached to the main insurance.

For high-end medical care, the remaining part after the social security reimbursement can be fully insured, and the part of imported drugs can be reimbursed for self-financed drugs. Can be purchased separately. The premium will be more expensive and consumer-oriented.

Hello! I wonder if my child has community health insurance? If not, it is recommended that you give priority to improving social medical insurance, and then supplement commercial insurance on top of social medical insurance.

You can take a look at the "WiseKids Comprehensive Medical Insurance Package".

Covers accidents, medical treatments, and critical illnesses, and refunds the premium if no serious illness occurs when due.

Hope mine is helpful to you!

Legal Analysis: First of all, it should be determined that the child has purchased "resident cooperative medical care" or "commercial insurance" before being hospitalized. The two do not conflict with each other.

If it is a newborn within 6 months, you can go to the local medical insurance bureau to buy "resident cooperative medical care" in time, but there are different policies in different places, you can consult the medical insurance bureau, and some places can buy it now. Do a good job of hospitalization registration, bring a birth certificate and household registration book, fill in a form when handling hospitalization, and check "Mu Jidan Residents Cooperative Medical Care" or "Commercial Insurance" by yourself. It is very important to pay the medical expenses in a timely manner and keep the receipts for each payment, and if you need to report the loss, you will need to wait for about a week before you can be reimbursed.

It is best not to be in arrears, and pay in time when there is arrears, otherwise the reimbursement will be affected. Discharge settlement and reimbursement, you need the hospital to issue a discharge certificate, and then bring the payment bill to the discharge window for settlement and reimbursement, 1. If you only purchase the "resident medical insurance insurance", the reimbursement will be completed directly at the time of discharge settlement, and the general reimbursement is more than 60% of the cost. 2. If there is still a purchased "commercial insurance", please contact the corresponding insurance company for reimbursement of the rest of the expenses with the invoice for discharge settlement, the medication details of hospitalization, the discharge certificate, the diagnosis certificate and other materials.

Legal basis: Social Insurance Law of the People's Republic of China

Article 27 Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, the cumulative contributions reach the number of years prescribed by the State, and they will no longer pay the basic medical insurance premiums after retirement, and enjoy the basic medical insurance benefits in accordance with the provisions of the State; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state.

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses, emergency and rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance **.

Article 33 Employees shall participate in work-related injury insurance, and the employer shall pay work-related injury insurance premiums, and employees shall not pay work-related injury insurance premiums.

Article 36 Where an employee is injured in an accident or suffers from an occupational disease due to the cause of cheating in the work, and the work-related injury is recognized, he or she shall enjoy work-related injury insurance benefits; Among them, those who lose their ability to work after the appraisal of their ability to work enjoy disability benefits.

The determination of work-related injuries and the evaluation of labor ability shall be simple and convenient.

Article 58 An employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

Hello! We're glad to answer your questions! ~<

<> child hospitalization insurance reimbursement needs to prepare materials for children's hospitalization medical insurance reimbursement, when the child is hospitalized, you need to bring a medical certificate first, the medical certificate is generally the purchase of children's hospitalization ** unit to receive, if it is a student can go to the school to receive, if it is a preschool child, you can receive it in a preschool educational institution. Because hospitalization requires an advance payment, and children who participate in the children's hospitalization medical insurance only need to pay half of the advance payment, but a children's medical certificate is required, so be sure to bring a medical certificate before hospitalization.

The reimbursement process for children's hospitalization medical insurance may vary depending on the specific insurance product and the requirements of the insurance company, but here is a general reimbursement process for your reference:

2.Fill out the Reimbursement Request Form: Obtain or ** a Reimbursement Request Form from your insurance company. When filling out the application form, you will be asked to provide your child's basic information, hospitalization information, and details of medical expenses.

4.Submit reimbursement materials: Prepare complete reimbursement materials in accordance with the requirements of the insurance company along with the completed reimbursement application form and medical expense details, together with relevant medical documents.

It usually includes an application form, a detailed list of medical expenses, an invoice for hospitalization, a certificate of diagnosis, a list of prescription drugs, etc.

5.Submission of reimbursement materials: Submit the reimbursement materials to the insurance company, you can choose to submit them by mail, ** or in person to the designated office location of the insurance company. Make sure to submit the materials within the stipulated time frame to avoid forfeiture of the over-the-net lease period.

6.Pending review and processing: The insurance company will review and process the reimbursement materials. This process can take time and is usually carried out according to the insurance company's policies and procedures.

7.Get reimbursed: Once the reimbursement request is approved, the insurance company will reimburse you based on the actual cost situation, and the money will be transferred or released directly to you.

Please note that the above is a general reimbursement process, and the specific steps may vary depending on the insurance product and the insurance company. It is recommended that you read the insurance wording and the relevant information provided by the insurance company, or contact the customer service staff of the insurance company for accurate reimbursement guidelines and specific requirements.