Is it necessary to have student accident insurance? 80 yuan.

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.

Buy it, when I was in the first year of research, I bought it in the laboratory, but I was hospitalized due to illness in the first semester, and I reported a lot, and we were also 80, but it was two years.

To buy two students in the first year of our school, one of the nose bones was broken, and the surgery can be quite a lot.

Your husband is still a student.........I have the impression that the accident insurance of primary and secondary school students is not all 30 per person. 30 payouts up to 2w. It seems that the college student bought it all at once for four years.

I bought it when I was a freshman. If you are a college student, you should consider whether you have college student health insurance. With college student medical insurance, you don't have to worry about medical care at all.

It's better to buy it if you don't have medical insurance for college students. 80 depends on how long the insurance period is and how much the compensation items are. What is sold in the public in the society is generally useless, but if it is sold in the school, it is of a welfare nature.

To buy. @@美羊羊@

If the parents have taken out commercial insurance for their children and have additional insurance such as hospitalization and accident insurance, there is no need to buy student accident insurance. If your child doesn't have any other insurance, buy it.

I seem to have bought it when I was in elementary school, but I broke a bone in my own home during the holidays, and I lost more than 140 when I went back to school. . .

Generally, 100 yuan can buy the insurance amount ranging from 5-100,000 yuan. It may vary a little from company to company. Many of them are also attached to accidental medical treatment, transportation accidents, etc., so it will be slightly more expensive. If the economy allows, it is best to buy more than 500,000 yuan for accident insurance.

At present, there are many types of student accident insurance on the market, and the premiums are also different according to the different insurance contents

Take life insurance, for example:

By the age of 6: 1) Plan 1, 70 yuan has 10,000 yuan for accidental injury, 10,000 yuan for accidental outpatient medical treatment, 60,000 yuan for accident and disease hospitalization, and 10,000 yuan for disease death.

2) Plan 2: 100 yuan for 30,000 yuan for accidental injury, 10,000 yuan for accidental outpatient medical treatment, 60,000 yuan for accidental illness hospitalization, and 30,000 yuan for disease death.

Up to 24 years old:

1) Plan 3, 50 yuan has 10,000 accidental injuries, 10,000 accidental outpatient medical treatment, 60,000 accidental illness hospitalization medical treatment, and 10,000 disease death.

2) Plan 4, 80 yuan has 30,000 accidental injuries, 10,000 accidental outpatient treatments, 60,000 accidental diseases hospitalization, and 30,000 deaths.

Supplementary notes: 1. Instructions for insurance.

1.The insurance period of this product is one year, and each insured can only purchase one copy, if more than one copy is purchased, it will be invalid.

2.If a minor purchases this product, the policyholder needs to be the guardian of the insured.

3.The insured person is a student who is required to be between the ages of 3 and 24 and who is studying and living normally in a legally established school or kindergarten.

4.The replacement period for hospitalization, etc., is 90 days, and there is no 90-day waiting period if the policy is renewed.

5.The earliest effective date of the policy is 0:00 on the fifth day after the policy is applied.

2. What are the requirements for accidental injury?

1. Caused by external factors refers to accidents caused by external reasons of the insured's body, such as car accidents, attacks by gangsters, drowning, food poisoning, etc.

2. Sudden refers to an accident caused in an instant, without a long process, such as falling into the water, electric shock, falling, etc. Occupational diseases, on the other hand, are caused by injuries that are gradually formed and can be foreseen and prevented, so they are not accidents.

3. Accidents refer to accidents that the insured did not expect and did not intended, such as aircraft crashes, etc., and some accidents that can be foreseen or avoided but cannot be avoided due to irresistibility or performance of duties, should also be included in the scope of "accidents", such as the ship caught fire and was forced to jump into the sea to escape, and was injured in the fight with gangsters.

4. Non-disease, the injury caused by the disease, although it is not expected by the person in advance, but it is the result of the human body itself, and it is not an accident. If you have a cerebral hemorrhage and are unconscious.

5. If the body is injured, the object of the accidental injury must be the part of the insured's body, and the fact of injury is established (for example, although the electric shock does not hurt the body, the fact of injury is not established).

The above is the relevant introduction to how much is the student accident insurance, for students, if there is an accident during the school period, it will affect the physical health, and the purchase of accident insurance is also to ensure that the safety of students can be guaranteed. If you still don't understand this, it is recommended that you consult a lawyer who is looking for a legal network.

Student accident insurance is about 100 yuan. It may rise a little this year, and some will add more than 100 guarantees.

Insurance is not mandatory and can be purchased according to individual needs. Generally, the premium of the student insurance is not expensive, as long as you are a student, it is recommended to buy one. It is specially designed by the insurance company according to the situation of the student in school, and adopts the principle of voluntary purchase.

The general coverage of the study insurance is as follows:

1. Accidental personal injury, including accidental disability.

2. Unexpected medical expenses. The subsidy covering outpatient and emergency expenses is relatively large, and falls and injuries, traffic accident injuries, animal bites, burns and scalds are all covered.

3. Medical subsidies for hospitalization, hospitalization due to illness, as long as it does not fall within the scope of limited liability exemption, can apply for compensation.

Benefits of Purchasing Student Accident Insurance:

1.Group insurance usually has the best advantages over self-insurance.

2.In the event of an accidental injury, there is insurance to cover medical expenses and other expenses to reduce the burden on the family. (However, it should be noted that the insurance has exemption restrictions, and it is necessary to carefully review the insurance contract, clarify your rights and obligations, and supplement or update the existing insurance in a timely manner).

Student accident insurance is accident insurance for students and young children. The insured object of student accident insurance is basically the full-time students who are in good health and can participate in various universities, middle schools, primary and secondary schools and secondary professional schools normally, and it can be said that the scope basically covers all students. Because students belong to a relatively disadvantaged group in social life, they are easily harmed in some social incidents, according to the statistics of relevant departments, among the causes of students' danger, accidental injuries have surpassed diseases in the first place.

Therefore, to a certain extent, student accident insurance should receive the urgent attention of parents and friends.

Test your anti-risk index, experts will interpret it for you for free!

If you are hospitalized in Gohudong, the maximum insurance is more than 30,000 yuan, but you have to spend more than 40,000 yuan!

If it is a fall, touch, or burn, these medical expenses can be reimbursed about 70%, and if you are not hospitalized, the maximum is generally not more than 5,000 yuan! If you are hospitalized, the maximum compensation is more than 30,000 yuan! Elementary school students' in-school insurance is generally an accident insurance.

Reimbursement requires a diagnosis certificate from the hospital, an invoice for expenses, an individual claim application, a copy of the student's and the head of household's household registration, and a certificate from the school. You can hand over these formalities to the insurance company or school where you are going to transfer them on your behalf.

Extended information: There are many insurance policies for students.

It's a must-buy. 1. The insurance bought by the school for students is generally the type of student safety insurance, and the school collects the premiums on behalf of the students when they are enrolled, and the insured only needs to pay a premium of dozens of yuan to obtain a number of protections including accidental injury, accidental injury medical treatment and hospitalization medical treatment.

2. Due to the low insurance premium and high amount of insurance, it is a very useful type of insurance for young children and school students who are at an active age and are prone to bump accidents.

3. Students and their parents have the right to choose whether to purchase student insurance. No unit or individual has the right to compel students to purchase student insurance.

4. The insured includes school students and kindergarten children, and their insurance benefits mainly include accidental injury benefit, illness death benefit, accidental injury medical protection and hospitalization medical insurance. Although there are not many insurance products for children at present, due to the low general insurance premium, the general insurance premium of Xueping Insurance takes into account both death and medical protection responsibilities.

Notes on Claims:

Student sickness hospitalization medical insurance.

1. Students seeking medical treatment due to illness must be in public hospitals at or above the county level.

2. The liability of insurance, the exemption of liability and other related matters shall be carried out with reference to the insurance agreement signed by the insurance company.

3. For new life insurance, from the effective date of the contract, hospitalization due to illness must go through an observation period of 1-3 months, and the claim can only be made if it falls within the scope of insurance liability after the expiration of the contract.

4. Students prepare materials: case and discharge summary.

Medication lists, hospitalization invoices, reports, ID cards.

Photocopy (front and back) and other documents specified by the insurance company.

5. The student fills in the claim application.

After that, the Office of Student Affairs will submit all the materials to the salesman of the insurance company and do a good job of registration.

6. Sign for the claim submitted by the business staff of the insurance company and notify the student to collect it.

7. Register and prepare the claim situation.

For students, the importance of student insurance is evident as it can provide comprehensive protection for students. Different types of student insurance provide different benefits.

Legal analysis: You can ask the insurance company you are applying for. The 50 yuan insurance purchased by the school is a kind of accident insurance, which is often referred to as the school insurance, which is a type of insurance specially provided for school students.

Student medical insurance is determined according to the amount of student expenses, and the types of drugs reimbursed have regulations, and those listed by the insurance company will be reimbursed and sold, and those who are not listed will not be reported, and you can ask the insurance company for details.

Legal basis: Measures for the Administration of Insurance Clauses and Insurance Rates of Life Insurance Companies Article 12 Accident insurance refers to the life insurance in which the death or disability of the insured is caused by an accident or other accidents agreed in the insurance contract as the condition for the payment of insurance benefits.