With Xueping insurance, do you still need to buy children s accident insurance?

If you want to have more comprehensive protection, you can configure children's accident insurance on the basis of Xueping insurance.

Do you want to know how to choose a level insurance? Check it out here: "Learning Flat Risk Assessment |It's enough for children to go to school and buy insurance, just read this

What are the advantages and disadvantages of learning insurance insurance?

1.Merit.

1) Wide range of protection.

Xueping insurance includes medical protection caused by accidents and diseases, and also covers a certain amount of death and total disability liability, and the coverage is relatively wide.

2) Cheap and cost-effective.

Xueping insurance is a kind of group insurance, so the premium is relatively cheap, generally 100-200 yuan can be bought, which is equivalent to the cost of a meal, ordinary families can also afford it, and the content of the protection is also relatively comprehensive, so the cost performance is also quite high.

3) Low insurance threshold.

The health notice of Xueping Insurance is very relaxed, and some products do not even have a health notice, and the insurance conditions are very relaxed, and almost all students can buy it.

2.Shortcoming.

1) Low sum insured.

The insurance amount of most Xueping insurance is not high, generally only tens of thousands of yuan, and there is no problem with this amount for solving ordinary small accidents and minor illnesses and pains.

And we all know that the general accident insurance amount is hundreds of thousands, and the insurance amount of millions of medical insurance is even millions, and the premiums of these two are not high, so the low insurance amount of Xueping insurance is the biggest flaw.

In addition, many student insurance companies have deductibles of several hundred yuan, which is not conducive to the reimbursement of medical expenses for minor illnesses.

2) Suspension risk.

The insurance is generally for one year, and it is easy to have the risk of stopping sales.

Dad concluded that in the case of sufficient budget, it is worth considering to learn insurance and children's accident insurance.

Hello, children's accident insurance and school insurance are not in conflict with the content of the protection, children's accident insurance generally includes accidental death, accidental disability and accidental medical treatment, and some products include children's critical illness. The protection of Xueping Insurance also covers these three aspects, so the two can exist at the same time. The ** of the study insurance is low, generally dozens of yuan, relatively its insurance amount is also low, children in the case of accident insurance, you can also buy the study of the insurance, so that you can increase the corresponding amount of insurance, so that the personal protection is more comprehensive, and the amount of insurance is relatively increased.

Children's Accident Insurance Recommendation:Ping An Happy Baby's Children's Medical Insurance (Type B) covers children aged 3-18, and the product covers up to 100,000 yuan of hospitalization medical expenses, in addition to special benefits such as critical illness. Product Details:

Children's Ping An Card, suitable for children aged 30-18 years old, the main product features: high accidental hospitalization protection, including accident outpatient and critical illness liability. It includes 14 types of critical illness liability protection, and during the insurance period, the 14 types of critical illnesses specified in the clause will be paid while waiting for the out-of-period hospital to confirm the insured's initial illness.

Product Details:

4-year-old children have school insurance, and accident insurance is also necessary to buy. Xueping insurance is designed for students, including accidental death, accidental medical treatment and disease hospitalization reimbursement, etc., generally in the school when students enroll in the school to collect premiums, annual payment of 20 yuan to 40 yuan, is currently the most extensive and common insurance for children. Student insurance is only the most basic protection, only for accidents that occur on campus, if it is an accident that occurs outside the campus, you may not be covered by insurance.

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

The general recommendation is to improve the basic protection of children's medical insurance, learning insurance, etc., and then consider supplementing appropriate commercial insurance for children.

The specific types of commercial insurance suitable for your child generally include children's accident insurance, children's critical illness insurance, children's health insurance, children's education insurance and other types of insurance.

You can combine the actual situation of the child, according to the order of accident insurance, critical illness insurance, health insurance, or you can choose some comprehensive children's insurance cards to protect the child in a centralized and comprehensive manner.

As for the purchase channels of commercial insurance, you can either consult the insurance company directly, or you can go to the corresponding online insurance platform to compare and choose specific insurance products.

You can buy it, because the accident insurance can be paid in multiple parts, and in the case of children's accident insurance, the purchase of good school insurance, the child will also have an extra protection.

If the child does not learn to be insured or the parents are planning to configure the child with the insurance policy, the dad recommends taking a look at this evaluation article "Learning to Assess the Insurance|".It's enough for children to go to school and buy insurance, just read this

Question: After being insured, do I still need to purchase the school's children's mutual aid fund and supplementary medical care? Will it be repeated.

If you buy an accident insurance, you can buy a student accident insurance, that is, student insurance, which can sometimes be used together.

Questions will be repeated.

If the accident needs to be reimbursed, can both insurance policies be reimbursed?

You can buy a separate copy of the student insurance.

There will be duplication between the two.

However, in case the insurance amount is insufficient, it can be superimposed, and the insurance is not high, only a few hundred yuan.

If you buy a copy, the school teacher does not need to contact the parents to type the certificate or the like.

If one accident insurance policy is not enough, you will need to use another one.

Question Okay, got it, thank you.

Is it worth buying? Is your child insured by the Student Insurance?

The maximum compensation for the death of a minor is 100,000 yuan, and the insurance amount of Xueping insurance is lower, 20,000 yuan.

1.Accidental death benefit for minors, all policies together will pay a maximum of $100,000.

2.The general compensation of the school insurance is 20,000 yuan, since the children's accident insurance is insured, it is not recommended to insure the school insurance.

3.The principle of buying insurance is to give priority to adults.

Accident insurance covers the following:

Accidental death. Accidental dismemberment.

Accidental medical expenses.

Coverage of Student's Insurance:

Death, including accidental death, death from illness.

Disability, including burns.

Accidental medical expenses, including accidental outpatient expenses, accidental hospitalization expenses, and illness hospitalization expenses.

Critical illness. A simple comparison of the hospitalization quota allowance, including the accident hospitalization quota and the disease hospitalization quota, can be found that in terms of coverage, the student insurance covers a wider range, and the student insurance and the children's accident insurance are less in payment, generally 100 yuan a year. Children's accident insurance only provides protection in accidents, while Xueping Insurance covers hospitalization, death from illness, and fixed payment for hospitalization due to illness, so it is recommended that you purchase children's accident insurance, and you still need to buy Xueping insurance.

Accident insurance covers minors up to 100,000, and even if it is repeated, it is useless to buy more. Others, such as accidental hospitalization and the like, don't need to buy too much, I hope it will help you, dear, to adopt it!

Hello, if you have already bought accident insurance, you can also buy student insurance. About learning flat insurance, many friends may be relatively unfamiliar, dad here is an article to share with you, you can read it. "Learning Insurance Evaluation丨Children go to school to buy insurance, just read this article. 》

The full name of Xueping Insurance is "Student Ping An Insurance", which is essentially a commercial insurance. For the safety of students at school and on the way home, the insured is a school student (including college students) and kindergarten children, and the insurance coverage provided mainly includes accidental injury benefit, illness death benefit, accidental injury medical benefit and hospitalization medical benefit. Due to the low insurance premium and high coverage amount, it is a very useful insurance for young children and school students who are at an active age and are prone to bump accidents.

You can buy it, and the cost of learning insurance itself is very low, only a few dozen yuan a year. These two types of insurance do not conflict, involving death and disability caused by accidents follow the principle of repeated claims, if the previous children's accident insurance also has accidental injury medical treatment, the accidental injury medical treatment of Xueping Insurance can make up the difference in claims. There may be a slight conflict in the medical part of the specific operation, but it is basically insignificant compared to this premium.

Xueba talks about insurance, focusing on evaluating children's insurance! This year, the comparison table of 136 hot-selling juvenile critical illness insurance has been updated

Click on it to see the details.

How to buy insurance for your child

I don't know how much this problem is stumped and I want to give the baby comprehensive protection, today the senior sister will take you to learn the correct way to buy insurance for the child! Explain from these three aspects:

First, the country's medical insurance must be handled.

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, if you plan to configure commercial insurance, it is recommended to consider pure protection critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, which provides a relatively long period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to being used to treat the disease, it can also solve a lot of additional expenses caused by illness, such as children who miss their studies due to illness, and even some subsequent life losses, which require a lot of cash to make up for it. Buying a pure protection critical illness insurance can solve these problems in the future.

Let's talk about why we need to configure medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, let's look at accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan per year is only sixty or seventy yuan, which can protect children from disability, death and medical liability caused by accidents, which is very practical.

Third, what are the insurance policies that are not recommended for children?

Don't assign life insurance to your child, and try not to attach both liabilities to critical illness insurance. I know the specific reasons in this articleHow to buy insurance for your child without being cheated? This guide tells you!

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 are configuring regular protection for your child, you can configure it comprehensively for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is quite cost-effective.

That's all for me"If a child has purchased children's accident insurance, does he need to buy school insurance? "All of them, I hope it helps you! Hope!

1. Medical insurance for minors is of the nature of social welfare, and the first choice is protection, which can be insured with illness, guaranteed to be renewed, and paid for one year and managed for one year. Pay part of the premium yourself, and the state will have a corresponding subsidy part.

2. Xueping insurance and other commercial insurance are all commercial in nature, voluntarily insured, and conditionally underwritten or refused for non-healthy individuals with pre-existing conditions.

3. There are differences in the study of flat insurance: in some areas, the insurance liability of the study flat insurance includes the hospitalization of diseases, and some only have accidental injury and accidental medical protection, so what is the coverage of the study flat insurance in the region, you need to check it in combination with the policy, the general study flat insurance hospitalization reimbursement ratio is low, 50% reimbursement within 5,000 yuan, and the amount of accidental death and disability is also low.

With medical insurance and student insurance, do I need to buy other commercial insurance? The answer is: Yes.

Because the first two guarantees cannot solve the following problems: 1. Reimbursement of self-financed drugs and imported drugs when suffering from major diseases, and the proportion of out-of-pocket expenses in serious illnesses is very high; 2. For death and disability caused by accidents, the amount of insurance is very low, which cannot meet the real protection needs; 3. If a child suffers from a major illness, if it involves high expenses such as bone marrow replacement and organ transplantation, neither of the first two can be reimbursed; 4. In the unfortunate event of a serious illness, the transportation expenses and accommodation expenses incurred by the parents taking care of the children and taking the children to the national medical treatment, the loss of income of one or both parents who cannot continue to work because of taking care of the children, etc., these expenses alone rely on social security medical care or student insurance, which obviously cannot meet the higher requirements of protection.

The best protection is social security medical care + student insurance + commercial insurance, in order to obtain more comprehensive and high-quality protection.

If the financial conditions allow, it is recommended to buy it for the child.

Group insurance is relatively more cost-effective, remember that insurance is voluntary, and you can do it yourself!

You don't need to buy children's accident insurance, but you must buy school insurance for your child.

Because "Student Ping An Insurance" is a group insurance, the payment is low and the coverage is wide. Covers hospitalization, accidental injury (including outpatient expenses), death.

Xueba says that insurance only recommends insurance that is really useful for children! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, click to get it now, I believe it can help you choose the right insurance for your child.

How to buy insurance for your childFirst, the country's medical insurance must be handled!

Newborn medical insurance (urban and rural residents' medical insurance) is the national basic insurance, the child should be born immediately handled, whether serious or minor illness, the basic medical insurance is particularly important, this is the basic security benefits given by the state, must be handled well.

Second, the three types of commercial insurance, critical illness insurance + medical insurance + accident insurance, should be configured together after handling medical insurance.

First of all, critical illness insurance, which provides a relatively long period of protection. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, which can not only solve the problem of medical expenses, but also solve many additional expenses caused by illness, such as falling behind due to illness, or some irreparable losses in subsequent life, all of which require a large amount of cash. Buying a pure protection critical illness insurance can solve these problems in the future.

Take a look at medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, the sum insured of 10,000 yuan, and the annual premium is only one or two hundred yuan, which is very cost-effective.

Finally, accident insurance, children's accident insurance is very cheap, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, which can fully protect the child's accidental death, disability and medical expenses caused by accidents, which is very practical.

Third, what are the insurance policies that are not recommended for children?

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

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

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

That's all for me"If you have purchased children's accident insurance, do you still need to buy school insurance? "