Is the insurance for cord blood delivery useful?

Specifically, it is necessary to judge whether it is worth it according to the content of the insurance, the terms of protection and other factors. The details are subject to the insurance contract

Hello, deposit umbilical cord blood.

The insurance sent is somewhat useful, but with ordinary critical illness insurance.

Compared with the number of covered diseases is too small and the insurance period is too short, the sum insured.

It is too low to reimburse self-financed drugs, and is only suitable for "icing on the cake", not as a full coverage.

Cord blood insurance covers accidental death, accidental dismemberment, accidental injury hospitalization, illness hospitalization, cord blood transplant, major organ transplant death or disability. It can also protect leukemia and aplastic anemia.

and other blood-related diseases.

In life, where umbilical cord blood hematopoietic stem cells are used, the cost is not low, so in response to this problem, find a formal cord blood bank, store umbilical cord blood and get an additional medical insurance worth up to 10,000 yuan.

Newborns who have their cord blood stored become insured and are covered by the insurance company free of charge. Coverage:

1. If the insured undergoes stem cell transplantation before the age of 22, 80% of the medical expenses will be paid, with a maximum amount of 200,000 yuan.

2. If the insured is hospitalized for non-hereditary or non-congenital diseases before the age of 18, 70% of the insurance benefits will be paid for the part exceeding 200 yuan each time, with a limit of 100,000 yuan per year.

3. If the outpatient medical expenses incurred by the insured due to accidental injury before the age of 18 exceed 100 yuan each time, 70% of the insurance money will be paid, with a limit of 5,000 yuan per year.

At Life Bank, every child who stores cord blood receives a medical insurance for cord blood stem cell banking. Once your child needs a hematopoietic stem cell transplant using umbilical cord blood.

The cord blood insurance can reimburse part of the cord blood stem cell transplant fee, which can greatly alleviate the medical burden of the family. If your child is healthy all the time, accident medical insurance and hospitalization insurance can also save your child's daily medical expenses. Therefore, once the self-stored umbilical cord blood is used for transplantation, it will solve the two major obstacles of "difficult matching" and "huge medical expenses" at the same time.

You'd better take a picture of the terms of your policy and look at it, otherwise you won't have any information, and no one will be able to tell you what this is for and whether it's useful or not.

However, this kind of free insurance is generally cooperated by insurance companies with various channels, and most of them are short-term accident insurance, short-term critical illness insurance, medical insurance, etc. Look at the terms for yourself. Where there is insurance, there will be terms.

Hello, it depends on what kind of insurance is sent, the content of the insurance, the duration of the insurance, etc.

I look at the coverage contents of the insurance that I sent specifically. If it is only a medical insurance that reimburses the cost of a hematopoietic stem cell transplant, it is of little value. Hematopoietic stem cell transplantation can only be used for a few diseases, and the probability of occurrence is very low, so the chance of using it is not large, and the cost of this insurance is very low.

Of course, you can't ask too much for the free delivery.