What is the maximum claim for children s accident insurance? Which one is better to buy

In order to protect children's health and avoid moral hazard, the regulatory authorities have stipulated that children's accident insurance is conditional on death, with a maximum insurance amount of 100,000 yuan.

Children's accident insurance is best to buy comprehensive accident insurance, children can be compensated for bumps, cats and dogs, and you must also buy insurance that can reimburse self-financed drugs, and 0 deductible is the best. At present, Ping An Little Naughty Boy and Shi Dai Xinxiang Comprehensive Accident Insurance are very good.

Choosing accident insurance is definitely a very cost-effective job. Nowadays, there are too many accident insurance on the market, each insurance company has several, or even dozens of different accident insurance products.

2020 Popular Children's Accident Insurance Collection, How to Buy Children's Accident Insurance?

We must know a common sense that the accidental death benefit for children is up to 200,000 yuan before the age of 10 and 500,000 yuan before the age of 18, but accidental disability, accidental medical treatment, critical illness, etc. are not subject to this restriction.

For minors, he does not create any economic value for the family, and death is more of an emotional injury, which will not put the family in financial difficulties, so the minor itself has no need for death protection.

But why do we need to buy children's accident insurance?

For accidental disability and accidental medical benefits.

In terms of accidental medical treatment, we should focus on these points: deductible, whether it includes out-of-pocket drugs, whether the insurance amount is sufficient (if you have purchased medical insurance, pay attention to whether the deductible is covered), etc.

We have collected 8 popular children's accident insurance policies in the market, as follows:

1. Mengbao Children's Comprehensive Accident Insurance, Alipay's latest children's accident insurance, kills other similar products. The specific protection responsibilities are as follows:

This is obviously a customer product, it can be said that it is so cheap that there are no friends, and the dad is also bold ** The survival time of this product will not be very long, so you have to buy it as soon as possible. Dad read the terms, and there was nothing unreasonable.

2. Xiaomi Children's Accident Insurance.

Xiaomi phones are pretty good, and their family's accident insurance is okay. This product is customized by Xiaomi Finance and Anxin Property Insurance, and the cost performance is also very good. The sum insured of 200,000 yuan and the accidental medical treatment of 20,000 yuan only need 100 yuan.

2. The cost performance of this children's accident insurance sold by PICC Health Huixin Worry-free Comprehensive Accident Insurance is also very good.

The sum insured of 200,000 yuan and the accidental medical treatment of 20,000 yuan only need 100 yuan.

If you still feel that the disability insurance is not enough after purchasing Mengbao Children's Comprehensive Accident Insurance and Xiaomi Children's Accident Insurance, you can also consider applying for this again.

3. Comprehensive accident medical insurance for children of Zhongan Insurance.

4. This product is also very good, and it is characterized by a personal liability guarantee of 50,000 yuan. In addition, his accidental medical treatment is only within the scope of social insurance, which is not enough compared with Mengbaobao.

Many insurance sales platforms use accident insurance as a tool to acquire customers, and the best of this kind of product is very low, and it may even lose money.

For consumers, it's a perk.

Welfare things also mean that they may not last long, and they may be taken off the shelves soon.

1. Note that the coverage should cover common accidents in children.

Accident insurance is not defined by us as all accidents, different products have different coverage content, before purchasing must be clear coverage of the coverage, especially need to pay attention to burns, burns, falls, tracheal foreign bodies and other common accidents in children.

2. See the claim items clearly.

When handling an accident medical claim, not all medical documents can be reimbursed in full, but by selective reimbursement, when you buy it must see the claim items, don't wait for the insurance to be rejected.

It can be seen that the accidental death and disability benefit of these products is the same, but other benefits are different, which is suitable for different groups of people.

Without further ado, let's go straight to the conclusion:

Pursuing Medical Responsibility for Burns: Superman for Kids.

Superman Kids is the only one of these children's accident insurance that can be attached to burn and scald liability, which can reduce the burden of medical expenses caused by accidental burns and scalds for children.

The pursuit of comprehensive protection: Meng Bao Bao (peace of mind).

Mengbao (peace of mind) not only has accidental death and disability protection, but also accidental medical liability of 30,000 yuan and 30 yuan of hospitalization allowance compensation.

Not only that, but it can also be attached to vaccination accident liability and guardian liability, which is a relatively comprehensive children's accident insurance.

Pursue low premiums: Cathay Pacific P&C Insurance Peter Pan, Talisman Fu Children's Edition.

These two premiums are relatively cheap, and the annual premium is only 59 yuan to get the accidental death and disability liability of 200,000 yuan of the sum insured.

Among them, the accident medical insurance amount of the Talisman Fu Children's Edition is relatively high, with an insurance amount of 50,000 yuan; Peter Pan's accidental medical insurance is only 10,000 yuan, but it has more liability for vaccination accidents than the Talisman Children's version.

How does accident insurance pay?

First of all, in order to meet the conditions for accident insurance payment, it must also meet the requirements caused by external reasons, suddenly, not intentionally, and not caused by illness.

Accident insurance covers accidental medical treatment, accidental dismemberment, and accidental death, and when an accident comes, it is nothing more than these three situations, and their claims vary.

1) Accidental medical treatment: Reimbursement will be made according to the contract as much as the medical expenses are spent, and the reimbursement will not exceed your total expenses.

2) Accidental disability: Disability is divided into grades 1-10, with level 1 being the most severe and paying 100% of the sum insured, and grade 10 being the lightest, paying 10% of the sum insured.

3) Accidental death: 100% of the sum insured will be paid in a lump sum.

When buying accident insurance for children, we should pay special attention to whether the compensation conditions for accidental medical treatment are good and whether the compensation ratio is high? Is there a restriction on the Social Security Directory? Is there a deductible?

The main risk to your child is an accident, so it is important to have proper personal accident insurance for your child. In fact, many insurance companies have personal accident insurance suitable for children, generally speaking, the personal accident insurance suitable for children of larger insurance companies has more comprehensive protection functions, the key is to judge according to your child's situation.

Recommended to you: Children's safety card, comprehensive protection, high amount of accidental hospitalization medical expenses, and at the same time, the accidental hospitalization expenses caused by accidental injuries in the school during the statutory class period are doubled to 100,000 yuan, which is a necessary accident insurance product for children and teenagers.

Which is better for children's accident insurance? Now there is this life insurance, this accident insurance is better, life accident insurance is better.

Which is the best child accident insurance, there are the following:

1. Comprehensive accident insurance for little prodigies and children.

This product is provided by Ping An Insurance of China.

Underwritten, suitable for minors, the coverage period is one year, and the product covers a variety of high-incidence accidents, such as boiling water burns.

Cats scratch dogs, bites, fights and injuries and other accidents. There are three insurance plans for the little prodigy; The difference between the Basic Edition, the Classic Edition, and the Premium Edition is mainly in the premium and the sum insured.

No, users can choose flexibly. The maximum amount of disability insurance for accidental death of the little prodigy can reach 500,000, and sufficient protection can effectively resist the risk of accidents, but it should be noted that for children aged 0-10, the death insurance amount cannot exceed 200,000, which is the China Banking and Insurance Regulatory Commission.

For the protection of children, but there is no limit on the amount of disability insurance. Parents should pay attention to this aspect when applying for insurance.

2. "Smart Choice" Children's Accident Insurance Plan.

This product is underwritten by China Continent Insurance, which is suitable for people born between 28 days and 17 years old (including 28 days and 17 years old), and is also an exclusive accident insurance for minors. Guaranteed for one year, the premium is only 60 yuan. The coverage mainly covers accidental injury and accidental medical treatment, of which the accidental medical insurance amount is 10,000 yuan, and there is no deductible.

100% compensation, but the upper limit of 300 yuan for each insured accident and emergency examination fee is paid.

Compared with the basic version of the Little Prodigy Children's Comprehensive Insurance, the accidental death and disability insurance amount of the "Wise Choice" Children's Accident Insurance is only 100,000 yuan, which is lower than the 200,000 yuan of the basic version of the Little Prodigy, but the premium is cost-effective.

3. Children's Safety Comprehensive Insurance Plan.

Children's Ping An Comprehensive Accident Insurance is underwritten by Ping An Insurance, suitable for people born 30 days old to 18 years old (including 30 days and 18 years old), with a premium of only 100 yuan a year, in addition to 50,000 yuan of accidental death and disability protection, 50,000 yuan of accidental hospitalization basic medical insurance.

Medical expenses within the scope of payment, 5,000 yuan of medical expenses covered by accident outpatient emergency basic medical insurance, and 10,000 yuan of children's critical illness.

There is a 30-day waiting period for critical illness and no waiting period for accidental injury.

The premium is only 100 yuan for one year, which can be said to be a representative of low premium and more protection. For the reasonable and necessary medical expenses incurred by accidental hospitalization and accidental outpatient clinic, if the social security reimbursement, the remaining part can be paid at 100%, and if it is not reimbursed by social security, it will be paid at 80%, and if it is insured with social security, but it is not reimbursed by social security when applying for compensation, the medical expenses insurance will be paid according to the proportion of 90% compensation.

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

The notice of the China Insurance Regulatory Commission on issues related to the life insurance of parents taking death as the condition for the payment of insurance benefits for their minor sons and daughters stipulates that for the life insurance insured by parents for their minor children, before the insured reaches adulthood, the sum of the insurance amount paid for the death of the insured agreed in each insurance contract and the total amount of insurance money actually paid by each insurance company at the time of the death of the insured shall be implemented according to the following limits: for the insured under the age of 10, it shall not exceed RMB 200,000.

If the insured person has reached the age of 10 but is under the age of 18, it shall not exceed RMB 500,000.

Some insurance companies' accident insurance is lower than the upper limit stipulated by the Insurance Regulatory Commission in terms of the compensation standard for the death of minors, so it is necessary to understand the specific terms and conditions for specific insurance types before Qingji can know the maximum amount of insurance benefits that can be paid. However, it will not be higher than the upper limit set by the CIRC.

Summary. Pro, child accident insurance generally refers to child accident insurance. Children's accident insurance, also known as children's accident insurance, is also called children's accident insurance.

Children's accident insurance is an accident insurance specially designed for children, which covers the death, disability, medical expenses or temporary incapacity of the minor insured due to accidental injury.

Dear, I'm glad to answer your <>

The maximum compensation for children's accident insurance is 500,000, for example, the death insurance amount is 500,000, if the insured dies due to an accident during the insurance period, the insurance company will pay the highest amount, that is, 500,000.

Pro, child accident insurance generally refers to child accident insurance. Children's accident insurance, also known as children's accident insurance, is also called children's accident insurance. Children's accident insurance is an accident insurance specially designed for children, which covers the death, disability, medical expenses or temporary incapacity of the minor insured due to accidental injury.

Summary. The question of how much children's accident insurance can pay out is different for each accident insurance product with different sum insured.

However, it should be noted that the Insurance Regulatory Commission has restrictions on the death benefit of children, with a maximum of 200,000 yuan for children under the age of 10 and a maximum of 500,000 yuan for children under the age of 18. So don't be too concerned about high sum assured for death or disability. Enough is enough.

I recommend that the accidental injury insurance amount should not be less than 100,000 yuan, otherwise it will not play a role in protection.

What is the maximum amount of compensation for children's accident insurance.

Hello. The question of how much children's accident insurance can pay out is different for each accident insurance product with different sum insured. However, it should be noted that the Insurance Regulatory Commission has restrictions on the death benefit of children, with a maximum of 200,000 yuan for children under the age of 10 and a maximum of 500,000 yuan for children under the age of 18.

So don't be too concerned about high sum assured for death or disability. Enough is enough. I recommend that the accidental injury insurance amount should not be less than 100,000 yuan, otherwise it will not play a role in protection.

Is it 200,000 for several insurance companies combined?

Yes. For example, if I buy 3 insurances, do these 3 insurance companies add up to 200,000?

How much the final insurance will pay.

It's all about how much you really lose.

It's not that the more insurance you buy, the more compensation you get, unless it's commercial insurance.

Oh ok, thanks. Uh-huh.

Summary. Hello, I am a cooperative lawyer of LegalPro platform, and I am happy to serve you.

Hello, I am a cooperative lawyer of LegalPro platform, and I am happy to serve you.

The Supervisory Commission has a limit on the death benefit of children, with a maximum of 200,000 yuan for children under the age of 10 and a maximum of 500,000 yuan for children under the age of 18.

If I buy three insurances, do these three insurances add up to 200,000?

The total amount cannot exceed 200,000.

For example, Ping An Insurance has a maximum compensation of 200,000 for death, a maximum of 100,000 for Pacific death, and a maximum of 100,000 for life insurance.

Choose the highest compensation of 200,000.

Choose the highest compensation of 200,000.

If that's the case, don't you have to pay for life and the Pacific side?

After the insurance company exceeds 200,000, it will not compensate.

Ping An reported 200,000 yuan, and the insurance company no longer needs to compensate.

Oh ok, thanks.

You are welcome.