Do Chinese life children have medical insurance?

Ping An Insurance has this product, which is aimed at children's education and medical care.

Some. Each life insurance company has medical insurance for small children, and the coverage varies according to different ages.

Ping An Children's Wisdom Star - 2013 Children's Insurance Champion.

Daily deposit, monthly deposit of 583 yuan, annual deposit of 7000.

You can enjoy the following benefits:

1 Life protection: After the policy is effective, you can enjoy life protection of 100,000 yuan for life. After the age of 18, you can rise to 500,000!

2 Critical Illness Benefit: 90 days after the policy is in force, you will enjoy 80,000 yuan of critical illness benefit for life. 丨After the age of 18, it can rise to 400,000!

3 Accidental Medical Benefit: After the policy takes effect, 100% reimbursement of medical expenses arising from cat scratches, dog scratches or bumps, etc., from more than 100 to between 100 (except for self-payment) until the baby is 64 years old.

4 High School Education Pension Account 6000 per year

5 University Education Grant Account Received annually.

6 Wedding Bonus Account: 28 years old to receive the wedding gold yuan.

7. Pension account: 60 years old receive 1500 per month to life as a pension supplementary account.

9 Enjoy the exemption function :

Waiver 1: If the insured has a critical illness for the first time during the payment period, the premiums for each subsequent instalment will be waived, and the insurance liability will continue to be valid.

Waiver 2: If the policyholder has an accident or the first critical illness occurs during the payment period, the premium will be waived for each subsequent period, and the insurance liability will continue to be valid.

The above income is based on the proposed interest rate, and the actual insurance contract shall prevail).

Each insurance company is almost unique, it is recommended to compare more, click on my avatar to consult.

Summary. For the part below 1,000 yuan, 55% can be reimbursed with medical insurance, and 50% can be reimbursed without medical insurance. For the part of 1000-5000 yuan, 65% can be reimbursed with medical insurance, and 60% can be reimbursed without medical insurance.

For the part of 5,000-10,000 yuan, 75% can be reimbursed with medical insurance, and 70% can be reimbursed without medical insurance. For the part of 10,000-30,000 yuan, 85% can be reimbursed with medical insurance, and 80% can be reimbursed without medical insurance. For the part above 30,000 yuan, 95% can be reimbursed with medical insurance, and 90% can be reimbursed without medical insurance<>

Dear, it's a pleasure to answer that question for you, <>

Chinese life insurance child hospitalization can be reimbursed: accidental hospitalization allowance reimbursement: children who are hospitalized due to illness, as long as they do not fall within the scope of limited liability exemption, can apply for a claim, and the claim amount is 60,000 yuan <>

For the part below 1,000 yuan, 55% can be reimbursed with medical insurance, and 50% can be reimbursed without medical insurance. For the part of 1000-5000 yuan, 65% can be reimbursed with medical insurance, and 60% can be reimbursed without medical insurance. For the part of 5,000-10,000 yuan, 75% can be reimbursed with medical insurance, and 70% can be reimbursed without medical insurance.

For the part of 10,000-30,000 yuan, 85% can be reimbursed with medical insurance, and 80% can be reimbursed without medical insurance. For the part above 30,000 yuan, 95% can be reimbursed with medical insurance, and 90% can be reimbursed without medical insurance<>

For children to buy insurance, mainly depends on the child's personality and the environment in which he grows up, the most frequent occurrence in children is cat scratches and dog bites, this kind of online buy an insurance with accident medical insurance liability, generally less than 300 yuan can be solved.

If you feel that the children's system is relatively weak and the family economy is OK, you can buy a little major illness, which is enough for less than 500. As for the education fund recommended by the ** person, unless it is configured before the child is 3 years old, and the family flow is very rich, you can allocate a little, otherwise don't think about it, because the education fund or something insurance, the interest rate is relatively low, and the spare money is better to buy bank wealth management and P2P and other products yourself.

I think the main distinction between medical treatment (accidents and serious illnesses) and education funds is the difference between the age of children and the difference between education funds, which take a long time to play the role of education fund interest.

The recommended order is first an accident, then a serious illness, and finally an optional education fund.

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

The types of insurance for children in Chinese Life Insurance are as follows:

1. China Life Xinyu Children's Annuity Insurance (Dividend).

China Life Xinyu Children's Annuity Insurance (Participating Type) is specially designed for children and adolescents, and ensures that children thrive through a combination of special survival funds and annuities; Through the combination of education insurance and entrepreneurship insurance, children can focus on moving forward during the critical period of their lives, and have no worries.

At the same time, this product is rooted in the child's teenage and childhood, looking at the child's whole life, whether it is the care fund after old age, or the annuity received every year, it will be like your love for the child, carefully cared for, accompanied for a lifetime. Xinyu children, come for love, light up the road of life, and harvest the golden future.

2. Children's China Life Welfare (Ultimate Edition) insurance product portfolio.

Children's Life Welfare (Ultimate Edition) is an innovative children's insurance product portfolio launched by Chinese Life, which covers critical illness, specific diseases, children's diseases, death, premium waiver and other functions, which can build a comprehensive risk barrier for children and escort their healthy growth.

3. Children's China Life Welfare (Supreme Edition) insurance product portfolio.

This product combination covers critical illness, specific illness, juvenile illness, death, premium waiver and death benefit conversion annuity benefits.

4. China Life student children's series products.

China Life Student Children's Series products provide children with critical illness, accident, death protection, outpatient expenses, hospitalization expenses, supplementary medical treatment, extended benefits and other comprehensive protection.

Hello! The types of children's insurance mainly include accident insurance, medical insurance, critical illness insurance, education insurance, etc., these insurance life insurance companies are provided, of course, to buy insurance for children, according to the actual situation of the child for the child to choose.

Here you can take a look at the "Shaoyun Xun'er Comprehensive Medical Insurance Package" () to cover accidents, medical paisan and serious illness, and refund medical expenses if no serious illness occurs when it expires.

Hope mine is helpful to you! If you have any other questions, please feel free to contact me!

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