Precautions for Applying for Children s Illness Insurance

There are many things to consider when applying for children's illness insurance, and these three points need to be paid special attention to: health notice, age range and exclusion clauses.

Next, I will give you the precautions when applying for children's illness insurance in this article. Before entering the analysis, friends who don't know much about insurance recommend reading through this article first: Super Complete! Everything you need to know about insurance is here.

1. Health notice.

In most cases, the insurance company will ask us to give a health notice before underwriting, and this health notice is a small questionnaire that replaces the physical examination and becomes a small questionnaire about our physical health.

To put it simply, health notification is a simple risk assessment for the policyholder. However, if you are unable to pass the health notification, you may be denied coverage by the insurance company.

When applying for children's illness insurance, it is necessary to inform truthfully in the face of health notice, so as to reduce the occurrence of later claim disputes.

2. The age range of the policy.

When applying for children's illness insurance, it is important to look at the age range of the insurance product to see if the child is within the specified age range.

For example, the minimum age limit for a product is 30 days old, and if the child is only 5 days old, it will not be insured.

3. Disclaimer.

The exclusion clause means that in certain specific circumstances, the insurance company will not be liable for the corresponding insurance.

In other words, the more exclusion clauses, the more disadvantageous it is for the insured, because the probability of insurance involving exclusion clauses will be higher, and the probability of compensation will be reduced accordingly.

When applying for children's illness insurance, you can try to choose a product with fewer exclusions, which can increase the probability of getting a claim.

Regarding the exclusion clause, you also need to pay attention to the following details: What is the exclusion clause of the insurance and how to look at it? If you don't understand, you'll suffer a big loss!

The precautions for insuring critical illnesses are as follows:

Policyholders should carefully screen critical illness insurance products suitable for themselves according to their own needs, and consult the salesman or insurance company if they do not understand something;

After deciding to apply for critical illness insurance, the policyholder and the insured must carefully read the relevant content of the insurance policy and fill in the relevant information truthfully, if the relevant circumstances are not truthfully informed to the insurance company, they may not be able to get insurance protection when applying for compensation in the future;

Finally, the policyholder and the insured must sign their names at the corresponding place of the policy, without the signature of the policyholder and the insured, the policy is invalid.

When applying for children's illness insurance, in addition to seeing whether the product meets the needs of the child, it is also necessary to understand the content of the product, especially in terms of insurance liability.

For example, a good children's critical illness insurance will not only include protection for severe, moderate and mild illnesses, but also provide additional compensation for high-incidence diseases in children, as well as include policyholder exemption functions.

Babies have low resistance and are difficult to resist diseases, such as common neonatal jaundice, pneumonia, premature birth and other children's diseases. Many mothers and fathers are also very worried about this, can they still buy insurance if the baby is sick?

Pay attention to three aspects: premature birth, neonatal jaundice, and Kawasaki disease, which will affect the child's insurance.

1.Premature birth. The conditions for critical illness insurance for premature babies are relatively relaxed, and children older than 6 months or 3 years old can generally be insured normally.

Due to the poor resistance of premature infants and often accompanied by concurrent diseases, the probability of developing diseases is much higher than that of ordinary newborns. As a result, it is difficult to apply for medical insurance smoothly, and there are few medical insurance for premature babies on the market. If you need it, you can pay attention to [Xueba Says Insurance]***, and come to *** to see which products you can insure.

For accident insurance without health notice, there is basically no big impact, and it can be insured normally. For critical illness insurance and medical insurance, which have stricter health notices, the impact will be greater. Want to buy accident insurance for your child?

2.Neonatal jaundice.

There are two types of neonatal jaundice: physiological and pathological. Physiological jaundice generally subsides naturally within 7 days, and if the re-examination is normal after subsidence, you can basically apply for insurance normally.

If it is pathological jaundice, it is difficult to insure normally. Generally, it will be based on whether it is cured, whether there are complications, and whether there are ** These three aspects will be specifically analyzed whether it can be insured.

Here's also a detailed insurance strategy for taking care of illness, so don't miss it:"Super Complete Strategy: How to Successfully Apply for Insurance with Illness? 》

3.Kawasaki disease.

Due to the multiple complications that can occur with Kawasaki disease, the highest incidence of cardiovascular complications is highest. Generally, for children who do not have cardiovascular risks and have a normal re-examination after one year of hospitalization, they can be insured normally. If the cardiovascular system is already damaged, the situation becomes difficult, and the insurance company will generally refuse to cover it outright.

A must-read article! 》

In general, if the baby unfortunately suffers from these common childhood diseases, it will be much more difficult to buy insurance, and the insurance that can be purchased is very limited. If you need it, you can pay attention to WeChat***: Xueba said insurance, consult on ***, and experts will analyze according to the child's physical condition and assist in purchasing appropriate insurance.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Children with common diseases should pay attention to three points when applying for insurance:

For premature babies, it is not difficult to apply for critical illness insurance, but it is difficult to apply for medical insurance smoothly;

Neonatal jaundice, physiological jaundice subsided, re-examination can be normal insurance, pathological jaundice also needs to be analyzed according to the situation, insurance is more strict;

Kawasaki disease, Kawasaki disease can produce a variety of complications, and it will be difficult to successfully insure if the cardiovascular damage is compromised.

What insurance should I buy for my baby.

Before buying insurance for a child, we must know which plans are mandatory and which are not. This saves time and doesn't waste money.

Order of purchase: Children's Medical Insurance > Accident Insurance > Critical Illness Insurance > Medical Insurance.

The following types of insurance are based on the premise that children's medical insurance has been purchased, and children's medical insurance includes urban and rural residents' medical insurance, New Rural Cooperative Medical System, etc., which can be consulted with the local social security department.

So, parents who have not purchased children's medical insurance for their babies should go!

Children's resistance is low, and many diseases are difficult to prevent, such as common neonatal jaundice, pneumonia, premature birth and other children's diseases.

Cover for illness. Among the common pediatric illness insurance, there are about 10 types of critical illnesses that can be covered, such as malignant tumors, encephalitis, etc. The more diseases covered, the higher the insurance**, but the incidence of some diseases is close to 0, there is no need to buy it, and it will only increase unnecessary expenses.

Waiver Provisions. When parents buy pediatric illness insurance for their children, they must pay attention to whether the insurance contract includes an exemption clause, if not, they need to purchase a premium waiver rider. Pediatric illness insurance with waivers provides more adequate protection, even if the parent is unable to pay the premium in the event of an accident, the child's protection is still there.

Claims process. When parents buy pediatric illness insurance for their children, they must pay attention to the insurance company's claim process, and can learn about the quality of an insurance company's claim service through the Internet. In addition, it also depends on whether there are restrictions on medical institutions in the claim terms, as well as the coverage period and claim ratio.

1. The reason for the insurance of pediatric illness insurance is Mu Tomato.

1. Give children better protection for critical illnesses.

Due to the imperfect physical development of children, they are more likely to suffer from critical illnesses than adults, and the probability of pediatric critical illnesses has increased year by year in recent years.

2. Make up for the lack of social security.

Although China's social welfare security is gradually improving, and children can enjoy basic medical security, the social resources available are still quite limited in terms of the current national conditions, and there are still many items in the medical expenses that need to be paid for by themselves, such as the designated medication, the difference in examination fees, and so on. Commercial insurance such as children's critical illness insurance can make up for this shortcoming.

3. Guarantee the family economy.

As we all know, the cost of critical illness is very high, the child is already unfortunate, and the medical expenses are as little as tens of thousands, or as much as hundreds of thousands, at this time, if the child has purchased children's critical illness insurance, it can relieve the family's economic pressure and avoid the collapse of the family economy.

4. The premium is low and you can enjoy more protection benefits.

Nowadays, major insurance companies have children's critical illness insurance products for sale, and the premiums are relatively cheap, because the principle of critical illness insurance is that the younger the age, the cheaper the premium, and a children's critical illness insurance policy can give children multiple protection, so that children can grow up healthier.

The precautions for applying for child accident insurance are as follows:

1. When you look at the claim items and handle accidental medical claims, you can't get the full reimbursement from the insurance company with all the drug bills, but selectively reimbursement. 2. See the scope of protectionParents should see the coverage clearly when buying child accident insurance for their children, and don't think that as long as they buy accident insurance, their children will have protection if they have an accident. 3. According to the provisions of the Insurance Law, minor children basically do not have the ability to work and have no wage income, so when determining the death insurance amount of minors, it is determined according to a person's basic living standard of 10 years.

Article 18 of the Insurance Law stipulates that the insurance contract shall include the following matters:

1) the name and domicile of the insurer;

2) The name and address of the policyholder and the insured, as well as the name and address of the beneficiary of the life insurance;

3) the subject matter of insurance;

4) Insurance liability and liability exemption;

5) the insurance period and the time when the insurance liability begins;

6) the amount of insurance;

7) Insurance premiums and payment methods;

8) Methods of compensation or payment of insurance money;

9) Liability for breach of contract and dispute resolution;

10) The year, month and day on which the contract was concluded.

The policyholder and the insurer may agree on other matters related to insurance.

The beneficiary refers to the person designated by the insured or the policyholder in the life insurance contract to have the right to claim the insurance money. The policyholder and the insured can be the beneficiary.

The insured amount refers to the maximum amount of the insurer's liability to compensate or pay the insurance money.

Parents should pay attention to the following points when buying insurance for their children:

1. Pay attention to follow the principle of emergency first and then delay, and pay attention to the insurance protection that the child needs most, such as critical illness, accident, medical and other insurance, and then apply for education and financial insurance.

2. Pay attention to the principle of insurance first for adults and then children, parents are the biggest support for children, and they are also the economic pillars of the family, so they only insure their children and ignore adults, so that if parents have any accidents or suffer from serious illnesses and lose their ability to work, the child's protection and reliance will be gone, so it is necessary to pay attention to the protection of adults and then insure children when applying for insurance.

3. Pay attention to the amount of insurance not to exceed the limit stipulated by the China Insurance Regulatory Commission, and for the insured under the age of 10, it shall not exceed RMB 200,000. If the insured person has reached the age of 10 but is under the age of 18, it shall not exceed RMB 500,000.

4. Note that the child insurance should be equipped with a premium waiver function, in case the parents are unable to continue to pay the premium for some reason, the protection for the child will continue to be effective.

5. The insurance period should not be too long, especially for families with ordinary income, and the insurance coverage period for children can be until the child reaches adulthood or college graduation.

6. Pay attention to the premium expenditure should not be too heavy, accounting for about 10%-15% of the total family income.