The 30 yuan paid by the kindergarten is accident insurance or commercial insurance

Xueba says that insurance only recommends insurance that is really useful for children! This year, the comparison table of 136 hot-selling critical illness insurance for children aged 0-18 has been updated

You can click on it to take a look, I hope it will help you.

How to buy insurance for your child

This problem has always been a problem that has stumped tens of millions of parents, today let's take a look at how to buy insurance for children! Keep these three points in mind:

First, health insurance is essential, and so are children!

After the child is registered, you can go to apply for neonatal medical insurance (urban and rural residents' medical insurance), 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, if you plan to configure commercial insurance, it is recommended to consider pure protection critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to being used to treat the disease, it can also solve many subsequent hidden problems, such as children who delay their studies due to 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 can solve these problems in the future.

Let's talk about why we should configure 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 one or two hundred yuan, which is cheap and useful.

Finally, it is necessary to configure an accident insurance, it is very cheap for children to buy accident insurance, and the insurance amount of 200,000 yuan is only sixty or seventy yuan per year, which can protect the child's disability, death and medical liability caused by accidents, which is not expensive and very useful.

Third, what are the insurance policies that are not recommended for children?

Don't assign life insurance to your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleDon't buy either type of insurance for your child! Comprehensive insurance strategy!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

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

That's all for me"The 30 yuan paid by the kindergarten is accident insurance or commercial insurance"All of them, I hope it helps you! Hope!

Accident insurance is a type of insurance for commercial insurance companies.

Accident insurance can only be purchased with commercial insurance.

It is Xueping Insurance. The full name is Student Safety Accident Insurance, which is designed for school students and can provide children with a number of protections including accidental injury, accidental injury medical treatment and hospitalization.

The 100 yuan Xueping insurance for kindergarten is mainly related to the death of an accident or illness, or the death of an accident caused by an accident insurance accident that results in disability within 180 days from the date of the accidental injury. There are mainly death insurance benefits and disability insurance benefits, and there are also children who are hospitalized as long as they do not fall under the limited liability exclusion, they can apply for compensation.

The biggest feature of Xueping Insurance is that the premium is cheap and the coverage is relatively wide, which is more suitable for underage students. Each insurance company generally has its own insurance terms, and the terms of each company will have some differences in terms of insurance liability, insurance amount, compensation, etc.

The kindergarten to buy is generally the study of flat insurance, mainly for the injury caused by accidents, such as accidental fall in the kindergarten, burns, etc., the insurance company will pay for this.

The full name of Xueping Insurance is "Ping An Insurance for Primary and Secondary School Students", and its biggest feature is that the premium is cheap and the coverage is relatively wide, which is more suitable for minor students. Xueping insurance is a kind of personal accident insurance, which is a kind of insurance for the characteristics of primary and secondary school students.

Extended Materials

Student Insurance Terms:

1. All full-time students between the ages of 3 and 18 are eligible to participate in this insurance.

Two. The insurance period starts from 0:00 on the date of issuance of the policy by the insurer to 24:00 on the date of graduation and departure of the student. The insurer shall be responsible for compensating the insured for the medical expenses caused by the injury, disability or death caused by the personal accident during the effective period of the insurance, or the direct economic loss of his personal property.

Three. The insured amount of each insurance is: 10,000 yuan for death and disability due to personal accident, 3,000 yuan for medical expenses for injury caused by accident, continuous renewal of hospitalization due to illness, medical expenses that can be reimbursed in accordance with the regulations of the local social medical insurance department, the company deducts the deductible of 100 yuan, and pays medical insurance benefits at a rate of 60% within the scope of the insurance amount, with an insurance amount of 20,000 yuan.

Fourth, liability outside the risk.

1.war, military operations, nuclear radiation and nuclear contamination;

2.fighting, brawls, picking quarrels and provoking troubles, as well as illegal and criminal acts;

3.the insured's intentional acts;

4.The part of the expenses caused by the injury of the insured caused by the third party shall be borne by the third party according to law;

5.Inpatient expenses and professional outpatient expenses (including **hospitals, joint clinics, private hospitals, family beds, hanging beds**, etc.) of the insured in hospitals designated or agreed by the non-insured and the school;

6.Expenses for self-paid items and medicines, examinations, materials, etc., which are not covered by publicly-funded hospitals and basic medical insurance;

7.various expenses incurred by the insured in connection with orthopaedic surgery or cosmetic surgery;

8.** and ** expenses for the insured's congenital illness or pre-existing disability before taking out the insurance;

9.** expenses, meal expenses, nursing expenses, accommodation expenses, heating expenses, blood transfusion expenses, physiotherapy expenses, etc. incurred by the insured during hospitalization;

10.Non-sexual activities such as health care of the insured;

11.Dental cleaning, scaling, optometry, fitting of prosthetic eyes, dentures, prostheses or hearing aids, etc.;

12.The insured suffers from an un** disease and a pre-existing disability before applying for insurance**and**;

13.The second time the insured suffers from the same disease**;

14.Transfers without the consent of the insured**;

15.The insurer will not compensate for the loss of the insurer's property due to the "exclusions" in the company's current "Family Property Insurance Terms".

Kindergarten 100 yuan of Xueping insurance is mainly out of insurance accident or illness death, or due to accidental injury insurance accidents, and from the date of accidental injury to one hundred.

The 100 yuan insurance bought in the kindergarten is a school level insurance, mainly for the insured to provide accidental injury, illness medical and other protection, such as children in the kindergarten accidentally fall, burns, or at home cold, fever can enjoy protection, the actual reimbursement is subject to the terms and conditions.

For example, Ping An Xueping Insurance's insurance liability includes accidental death, disability, illness death, accidental medical treatment, hospitalization, hospitalization for major epidemics, hospitalization for influenza, children's critical illness, aviation accidents, etc.

The 100 yuan insurance to be bought in kindergarten should be accident insurance, that is, the accidental injury of children during kindergarten, can be claimed through such insurance.

Generally, it is a school insurance to protect children for half a year and a year.

The child is sick and hospitalized, or bumps, the medical insurance is finished, and the remaining part is reimbursed by commercial insurance according to the reimbursement ratio, if the medical insurance is not used, the reimbursement ratio is low, and there is generally a deductible of 100.

It is a school student who is a toddler or a school student.

Generally, the insurance that schools let them buy is called Xueping Insurance. I am afraid to prevent my child from having an accident. That is, accident insurance.

What kind of insurance is the insurance for 100 yuan to buy in kindergarten? Kindergarten to buy 100 yuan insurance, only kindergarten knows, you should go to the kindergarten to consult, you here to ask who can know?

The insurance purchased by the kindergarten usually refers to the school level insurance.

It is a personal accident insurance, which is generally voluntarily insured when students enter school, and the premium is relatively cheap, but the coverage is relatively wide, including accidental injury, accidental injury medical treatment, hospitalization medical treatment, etc., which is more suitable for minor students to insure.

Different insurance companies generally have their own characteristics of the study of flat insurance, in terms of coverage and insurance amount.

There will be differences in the way, and parents also need to carefully review the terms of the contract when purchasing school insurance for their children.

Extended information: Insurance is a Chinese word, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; Later, it was extended into a security mechanism, which is a tool used to plan life finances, and is a market economy.

Conditional risk management.

The basic means are the financial system and the social security system.

an important pillar.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility for compensating for the property damage caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is a part of social production and social life"Delicate stabilizer";From a risk management perspective, insurance is a method of risk management.

The value of the insurance.

The insured value is the subject matter of insurance.

Actual value. According to our country's Insurance Law

It is stipulated that if the policyholder and the insurer agree on the insured value of the insured object and specify it in the contract, when the loss of the insured object occurs, the agreed insured value shall be used as the compensation calculation standard.

If the policyholder and the insurer have not agreed on the insured value of the insured object, the actual value of the insured object at the time of the occurrence of the insured event shall be used as the compensation calculation standard when the insured object is lost.

In simple terms, the value of insurance can be determined in three ways:

1. According to the law and contract law.

The law and contract law are the fundamental basis for determining the value of insurance;

2. According to the insurance contract and the agreement of both parties. The insured value of some insurance subject matter is difficult to measure, such as life insurance, health insurance, and the human body and life span cannot be measured in money, then the insured value is agreed by both parties;

3. Determine the insured value according to the change in market price. The insured value of some insurance objects is not constant all the time. Most of the underlying assets also depreciate over time, and their insured value tends to decline.

Hello, honored with your question! The insurance paid by the kindergarten is generally the school insurance, which refers to the student safety insurance for the kindergarten for the commercial insurance company to charge for the student, which is a kind of accident insurance, which can provide the child with death and disability, accidental medical treatment and other protection, the premium to be paid is less, and the protection content is more comprehensive. This is a group insurance, mainly to protect the personal and property safety of young children, regardless of the accident that occurs outside or in school, to the insurance period as the limit, the insured can be insured if the accident occurs within the scope of the insurance during the period.

Although the protection content of the insurance is roughly the same, but the products of each insurance company will be more or less different, the specific amount of insurance and insurance liability of the insured product, parents should learn from the kindergarten, and ask the kindergarten to pay the insurance policy, so as not to know what accidents happen to the child can claim compensation.

Summary. <>

Hello dear! I am glad to answer for you, the 50 yuan insurance paid by the kindergarten can be reported as 100,000 yuan. 50 yuan kindergarten insurance reimbursement coverage:

Minor illness, serious illness, accidental injury outpatient emergency medical treatment, accidental injury medical treatment, inpatient medical treatment, accidental injury hospitalization allowance, etc. Since kindergarten insurance is a group insurance, the insurance amount is not high, and the actual reimbursement process is more cumbersome. Reimbursement coverage varies.

How much can the kindergarten pay for the 50 yuan insurance?

How much can the kindergarten pay for the 50 yuan insurance?

Hello dear! I am glad to answer for you, the 50 yuan insurance paid by the kindergarten can be reported as 100,000 yuan. 50 yuan kindergarten insurance reimbursement coverage:

Minor illness, serious illness, accidental injury outpatient emergency medical treatment, accidental injury medical treatment, inpatient medical treatment, accidental injury hospitalization allowance, etc. Since kindergarten insurance is a group insurance, the insurance amount is not high, and the actual reimbursement process is more cumbersome. Reimbursement coverage varies.

How much can I be covered for accidental injury surgery?

Hello, the kindergarten pays 50 yuan insurance can be reported 100,000 yuan.

Relatives can be reimbursed 8,000 yuan for accidental injury surgery.

Oh. Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, and the insurer bears the responsibility of paying the insurance money when the insurer dies, is disabled, sick or reaches the age and time limit agreed in the contract. Insurance is a financial arrangement for sharing losses from accidents.

Compulsory traffic insurance is compulsory insurance for motor vehicle traffic accident liability, and the scope of compensation for compulsory traffic insurance in China has been clearly stipulated. The insurance company shall compensate for the personal and property losses of the victims other than the vehicle personnel and the insured in the event of a road traffic accident of the insured motor vehicle within the liability limit. Compulsory traffic accident liability insurance implements a uniform liability limit nationwide.