Can I apply for commercial insurance if I am pregnant and have a baby?

Many people are asking: will commercial insurance reimburse you if you have a child? I wonder what commercial insurance is, and whether commercial insurance and maternity insurance can be reimbursed together......In order to solve the doubts in my heart, I went to do my homework and came back, so let's take a look at the shared article.

1. In addition to social security, commercial insurance does not reimburse for childbirth, so if you don't pay the five insurances, once she is pregnant and gives birth, she will not be reimbursed.

2. For pregnancy problems, the maternity insurance of social security can be reimbursed, but commercial insurance rarely reports. It is recommended to buy commercial insurance with a complete combination, including life insurance, critical illness insurance, accidental injury, and medical insurance, which is enough to deal with any risks that can occur in life.

3. Social insurance is difficult to replace any commercial insurance from the perspective of basic security, and it is recommended to pay it, especially maternity insurance is still very important for women.

What should I pay attention to in protection insurance?

1. How much to pay, how long is the payment period, and how long is the guarantee period.

2. How large is the amount of protection and whether it can continue to grow with the increase in price level, outperform inflation, and ensure permanent and effective protection. There is a misunderstanding that must be noted here, do not count accident protection into illness protection, accident medical treatment and protection are very important but the payment is very low, and it can be completed with additional ones, saving a lot of money and higher protection.

3. Whether it is a dividend-paying protection product, whether it is guaranteed for life, refuse the product that is no longer guaranteed when the person after the age of 60 needs it most, and at the same time must understand whether the product is a cash value dividend or a dividend of the insured amount, and how much the dividend per 10,000 yuan in the past is.

4. The company's future growth, profitability, and dividend ability, don't be confused by false appearances.

5. The character and professional level of the salesman.

After the explanation, I believe you have already understood. One thing that must be known here is that commercial insurance can be reimbursed, but only if there are two types of products in commercial insurance for childbirth, which reimburse the whole process of pregnancy and childbirth and pay for pregnancy complications. Therefore, you must understand it clearly when buying commercial insurance.

Unless you have maternity commercial insurance.

No, unless you have purchased maternity insurance, and the agreed diseases and circumstances occur during the process of pregnancy and childbirth, normal maternity can not be reimbursed, if you buy some high-end medical insurance, maternity is also included, but high-end medical insurance premiums are tens of thousands of yuan a year, which is not something that ordinary people can afford.

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