Why do I have to pay for student insurance three months in advance?

Because it is necessary to renew the insurance in time, it needs to be paid three months in advance, and then it will be handled by the insurance company, and it will be renewed in time after the expiration of the previous year, and there will be no blank period. In the event of accidental injury or accidental medical liability, the student insurance is not limited by the observation period, and the claim can be made at any time during the validity period of the insurance; However, in the event of a major illness or hospitalization due to illness, the observation period is limited.

Because student insurance itself belongs to the category of insurance, its various terms and conditions are legal. Most student insurance plans are accident insurance, which has a waiting period of no more than 24 hours. In order to ensure the personal safety of students at school, the school will collectively purchase a student insurance (accident insurance) for students.

Although student insurance is only for the large group of students, its legality is unquestionable. In contrast, insurance companies are also paying more attention to this type of insurance. Policyholders should also always pay attention to its dynamic changes when applying for student insurance, and invest in a low-risk, high-safety student insurance for students!

Further information: 1. Student insurance mainly includes:

1. Commercial accident insurance: Commercial accident insurance is mainly to protect students from accidental death, disability, burns, and scalds, and may also include some accidental medical treatment and special protection items such as the third responsible party.

2. Critical illness insurance: Critical illness insurance is mainly for students with some possible critical illnesses. Education insurance is mainly to protect students' money for college after high school.

Student insurance is a business approved by the China Insurance Regulatory Commission and is an economic contract. Student insurance covers a wide range of insurance liabilities, such as accidental death, disability, accidental injury outpatient medical treatment, or inpatient medical treatment for illness. It should be noted that students who are in good health and can study and live normally can apply for insurance.

The general insurance period of student insurance is one year, and you need to go through a separate procedure to renew the insurance policy at the end of the period. The main and supplementary insurance should be well matched to ensure comprehensive protection.

Students generally purchase student insurance at the school, and the insurance liability includes accidental death, accidental medical treatment and hospitalization medical treatment, with an annual premium of about 50 yuan, and low payment and high protection. Or for group accidents, the payment is relatively higher. This is the minimum guarantee, and parents must buy it for their children, but it is not excluded that some parents do not pay the premium for their children!

Students' insurance is generally covered by school insurance, and then it depends on whether the student's family has purchased rural cooperative medical insurance, community medical insurance or commercial insurance for their children.

2. How to make a claim for student insurance?

1. First of all, if you have purchased student insurance, you should report to the insurance company within 24 hours after the accident, and you can directly report the accident and feedback the details of the accident to the insurance company;

2. Prepare the relevant information of the insurance claim, under normal circumstances, the insurance company's claims specialist will inform the user of the specific information that needs to be prepared;

3. After the information is prepared, it will be submitted directly to the claim center of the insurance company, and then the insurance company will review the claim information and compensate in accordance with the insurance contract after confirming that it is correct.

The main reason for paying in advance is to prevent the child's insurance from being renewed on time before it expires.

At present, student insurance is basically handled by Chinese Life Insurance Company, and there are only a few people in a county-level branch company responsible for student insurance business. The total number of students in a county is very large, and it is time-consuming just to enter student information and collect fees from various schools.

Three months in advance, the school collects the money, and the insurance company will go to the school to accept the student's information and cash, and then enter the insurance information in a unified manner, so that there is enough time to ensure that the child's insurance last year can be renewed when it expires, and there is no blank period.

If you come to collect it when it expires, you may not know how many students' insurance has expired, and if something happens during this period, it won't be impossible to eat and walk around.

Because of this insurance, if you pay it many months in advance, it will be counted as the day of your next year from the month of early payment. Then in case something happens to the student, he can start to help you with insurance.

There is no need, renewing the policy 3 months in advance only plays the role of not breaking the insurance when it expires, as long as you can't forget the renewal date, you can renew the policy one or two days in advance.

Most plans are renewed three months in advance, but if you want to renew your student's policy, you need to enroll three months in advance.

It depends on the school's requirements, and if the school asks for a purchase, it is best to buy it.

I don't think it's reasonable or legal to ask for a renewal in June because the student insurance is renewed in September. They're here to keep those performances.

The insurance company is crazy about money, 150 yuan for a child, thousands of children pay in, and if you pay two months in advance, then the interest for two months will be a lot. The school is also urging parents to pay, and they are embarrassed. The school is really disgusting now.

There is a time limit for student medical insurance to participate in the insurance, some places are according to the natural year (January 1 to December 31 of each year), and some places are according to the academic year (September 1 of each year to August 31 of the following year), and the insurance and payment should be paid before the year or school year of the treatment.

Student medical insurance is generally the same as domestic medical insurance, is paid before the enjoyment of treatment, the state subsidy is also based on the insurance situation for subsidies, if the payment time exceeds the specified time, may also be affected by the local policy treatment situation, depending on what your situation is.

It's impossible, learn to be safe.

So how much does it cost a year now?

There are also changes in students, and the latest list is changed every period, of course, it is not possible to avoid trouble during the school period! It is also possible to pay less premiums.

Because the school does not want to be held responsible during the winter and summer vacations.

The later you buy, the more insurance companies will call you, which means that your information will be leaked wider.

Yes, you can buy it three months in advance. It is not necessary to buy three months in advance.

Yes, car insurance can be paid three months in advance, car insurance is divided into compulsory traffic insurance and commercial insurance, of which compulsory traffic insurance is required to purchase, commercial insurance is voluntary, and it is recommended that the three must be purchased and 500,000 yuan.

Here's what I've summarized, for your reference.