What should I pay attention to when applying for Ping An Children s Comprehensive Insurance?

The earliest policy start date is 0:00 on the fourth day of the issuance date, and the latest is 0:00 on the 90th day after the issuance date.

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How to buy insurance for your child

This problem has stumped many parents, so let's take a good look at how this problem should be solved! Explain from these three aspects:

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

After the child is registered, the first thing to do is to complete the medical insurance. Regardless of 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, after running medical insurance, it is necessary to consider fully configuring commercial insurance, and it is recommended to give priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. Secondly, critical illness insurance is paid in cash directly after getting sick, in addition to solving the problem of medical expenses, it can also solve other associated problems, such as delaying homework because of illness, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can solve these problems in the future.

Let's 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 is only 1,200 yuan per year, which is cheap and useful.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, don't look at the cost is not much, but there is a lot of protection. Accidental death, dismemberment and accidental medical liability of children can be covered, which is cost-effective and practical.

Third, what insurance should not be bought for children?

Don't buy life insurance for your children, and try not to choose critical illness insurance with both. I know the specific reasons in this articleTeach you how to buy insurance for your child!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"What should I pay attention to when applying for Ping An Children's Comprehensive Insurance? "All of them, I hope it helps you! Hope!

Ping An Family Children's Insurance covers accidental injury, death, disability, medical treatment, accidental hospitalization allowance, critical illness insurance benefits, child lost search expenses, third-party liability and other responsibilities, which can be found in Ping An Insurance**.

Ping An Children's Comprehensive Insurance is a comprehensive protection plan designed for children aged 3-18, covering personal and accidental medical treatment and 15 common critical illnesses for children, as well as providing advance payment for accidental medical treatment.

As a large insurance company, Ping An has launched comprehensive medical insurance for children in order to comprehensively care for the growth of children. Many parents are interested in this product, so do you know about Ping An Children's Comprehensive Medical Insurance?

Product Name: Ping An Children's Comprehensive Medical Insurance.

Applicable people: 30 days - 18 years old (with ID card, household registration book, birth certificate) Insurance period: 1 year (preferential renewal at expiration, will be reminded by email and SMS) Policy form: electronic policy.

Insurance liability: "Ping An Children's Comprehensive Insurance Terms".

Product features: Ping An Children's Insurance has a unique insurance guarantee for vaccine safety, if a child is hospitalized within 48 hours due to vaccination, Ping An will pay the "vaccine hospitalization insurance benefit" for reasonable medical expenses such as bed fees, surgery fees, drug fees, and ** fees. Vaccine insurance also provides double benefits for death within 48 hours of vaccination. In addition, the accident medical all-round:

Accidental outpatient medical treatment, accidental inpatient medical treatment, accidental hospitalization allowance. There are also 15 critical illness benefits available.

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

There are many types of children's comprehensive insurance, such as children's accident medical insurance, children's critical illness insurance, children's education insurance, children's health insurance, and so on. Parents should pay attention to these points when applying for insurance: 1. It is necessary to see the scope of insurance, not that children can be compensated as long as they have an accident.

For example, the children's critical illness insurance on Ping An Insurance** includes 30 critical illnesses, ** medical consultation and critical illness green channel services, but does not include accidental medical insurance. 2. Parents should pay attention to the death insurance amount when applying for insurance, which is stipulated by the Insurance Regulatory Commission. 3. Pay attention to the protection period, generally parents will buy one-year insurance for their children, but as the children grow older, they can also be flexible, change once a year, and choose the appropriate accident insurance for their children.

There are three main types of children's insurance: children's accident insurance, children's health and medical insurance, and children's education savings insurance. When applying for insurance, we should pay attention to choosing an insurance company with strong strength and fast claim settlement, and it is best to insure children's insurance for children as early as possible, pay attention to improving the parents' own insurance and then insure the children, the principle of adults first and then children, and the children's insurance has a premium waiver function, and the love of children is not discounted.

Xueba talks about insurance, focusing on evaluating children's insurance! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, now for free, click to claim now.

What insurance should I buy for my child?This problem has always been a problem that stumped tens of millions of parents, so let's sort out the methods and ideas for buying insurance for children! Keep these three points in mind:

First, children's medical insurance is essential!

After the child is registered, it is necessary to handle the neonatal medical insurance (urban and rural residents' medical insurance) as soon as possible, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, commercial insurance gives priority to 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 solving the best expenses, it can also solve many follow-up hidden problems, such as children who delay their studies because of illness, and even some subsequent life losses, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance policy can be used to solve these problems.

Let's talk about 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 not expensive and very useful.

Finally, when it comes to accident insurance, it is very cheap for children to buy accident insurance, with an annual protection of 200,000 yuan, only sixty or seventy yuan, which can protect children's disability, death and medical liability caused by accidents, which is quite cost-effective.

Third, don't buy both types of insurance for your child!

Don't give your child life insurance, and try not to consider critical illness insurance with both liabilities attached. The specific reasons I know are in this answerHow to buy the most cost-effective child insurance? The most complete insurance strategy!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, a thousand yuan a year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, cheap and useful.

That's all for me"What is the comprehensive insurance for children? What should parents pay attention to when applying for insurance? "

Now there are a lot of children's insurance products, including children's comprehensive insurance, including accident medical insurance, critical illness insurance, education insurance, etc., most parents may not have a deep understanding of insurance, do not know what insurance is good for children, in fact, parents can compare from the following aspects when choosing children's comprehensive insurance for their children.

First, look at the insurance age.

Different products have different insurance ages, under normal circumstances, the insurance age of children's comprehensive insurance is 28 days old, but there are also 60 days old or others, parents should be aware of this.

Second, look at the scope of protection.

Some products have a relatively large coverage area, while some insurance products have a relatively small coverage area. However, it is not to blindly look at the size of the scope of insurance, but to pay attention to what the content of the protection is, and whether the content of the protection is what you need, which can reflect the value of insurance.

3. Look at the exemption clauses.

Under normal circumstances, the insurance contract of each insurance company has an exclusion clause, and if it is in the exclusion clause, the insurance company is not responsible for the accident. Different insurance companies have different content of the exclusion clauses of different insurance products, so parents should read the content of this section before applying for insurance and then make a reasonable choice.

Fourth, look at some special terms.

Special terms are not available in some products, but they are more important. For example, the premium waiver clause is related to whether the child can continue to enjoy protection when the parent is unable to pay for the child, which is very important, and parents should pay special attention to this when comparing products.

Ping An Children's Comprehensive Insurance is a comprehensive insurance product launched by Ping An Insurance**, which provides multiple protections such as hospitalization insurance, supplementary social security medical reimbursement, and comprehensive accidental medical treatment: accidental outpatient medical treatment, accidental hospitalization medical treatment, accidental hospitalization allowance, etc. It also gives children's medical and health consulting services to care for the healthy growth of children.

If you want to buy comprehensive children's insurance, Ping An Insurance** will be a better choice for parents.

There are many kinds of children's comprehensive insurance, and parents mainly look at these aspects when applying for insurance: the first is the coverage of insurance, and it is not that as long as the child has an accident, he can get compensation. For example, the children's critical illness insurance on Ping An Insurance** includes 30 kinds of critical illnesses, including **medical consultation and critical illness green channel services, but does not include accidental medical insurance.

The second is to pay attention to the amount of death insurance, which is stipulated by the Insurance Regulatory Commission. The third point is to pay attention to the protection period, generally parents will buy one-year insurance for their children, but as the child grows older, it can also be flexible, change once a year, and choose the type of accident insurance suitable for the child.

- Children aged 6 years – health risks.

Claims data shows that among the claims for children aged 0-18, more than 70% of the claims for accidental medical expenses and illness medical expenses are compensated. Children aged 0-6 have the highest proportion of claims due to illness, accounting for more than 80%, and nearly half of the claims are due to bronchitis and pneumonia, with an average claim amount of about 900 yuan each time.

When parents consider buying insurance for infants and young children, they should consider more health risks and focus more on medical protection functions. Generally speaking, newborn babies can be insured after 7 days of birth.

It is recommended that when insuring a baby, you can choose a low-cost children's accident insurance as the main insurance, and at the same time add accident medical insurance and hospitalization medical insurance, so that the insurance combination is not only more comprehensive, but also more economical.

18-year-olds – risk of trauma, education expenditure.

Among the claims cases of children aged 0-18, the overall proportion of claims for children aged 7-18 has decreased significantly, accounting for only 13%. From the perspective of the reasons for claims, unlike children aged 0-6 years, the proportion of children at this stage who have disease claims is lower, and the trauma caused by accidents has increased significantly, such as "bitten or scratched by dogs", "scalded by hot water", "injuries caused by falling, jumping or being pushed down from a height", and fractures of body parts such as lower arms, calves and shoulders, etc., accounting for more than 60% of the total.

Therefore, at this stage, special attention should be paid to the necessary children's accident insurance protection. At the same time, parents can also focus on using children's insurance to start saving for their children's education**. Compared with the bank's simple savings plan, the main advantage of education fund children's insurance is that it can provide a medium and long-term protection for children while saving a full amount of education**, and it can also provide a unique financial security of "premium waiver".

Expenditure on education and employment.

At the age of 18-25, special attention should be paid to children's education and graduation, and parents should focus on considering children's insurance to save for their children's employment and entrepreneurship.