Kindergarten, 50 yuan, Chinese people s insurance

This type of insurance is collectively referred to as "Xueping Insurance", and the full name is "Ping An Insurance for Primary and Secondary School Students", which is a kind of personal accident insurance. Generally, students are voluntarily insured when they enter the school, and the insured can obtain multiple protections including accidental injury and hospitalization medical treatment by paying a premium of dozens of yuan. The biggest feature is that the premium is lower and the coverage is wider, which is suitable for underage students.

There will be some differences in the terms and conditions formulated by different insurance companies, so you also need to read the insurance terms carefully and then choose according to your own situation.

How do I get reimbursed in case of an accident?

First of all, after the occurrence of an insured accident, the insurance company should be reported to the insurance company as soon as possible. Secondly, you should prepare the claim information, such as the insurance policy, the insured's ID card or household register, medical certificate, discharge summary, original receipts of medical expenses, and a detailed list of expenses. Then submit the prepared claim information to the insurance company, and wait for the insurance company to review, and the insurance company can receive the insurance money after the review is completed.

However, it should also be noted that there is usually a certain deductible for student insurance, ranging from 50 yuan to 400 yuan. That is to say, if the expenses incurred after the occurrence of the insured event do not exceed the deductible, it is not possible to apply for reimbursement. For example, the deductible of the student insurance is 100 yuan, and the expenses incurred are only 300 yuan.

Then 100 yuan of them cannot be reimbursed, and the insurance company will only pay 200 yuan of them.

Do I need to buy commercial insurance after purchasing student insurance?

After purchasing tuition insurance, you still need to purchase commercial insurance. This is because the sum insured is usually relatively low, and many of them only provide coverage for accidental death, disability, accidental medical treatment, and hospitalization. It does not include coverage for critical illness and hospitalization benefits.

As a result, there is a lack of response to the risk of serious illness. It's okay to deal with minor illnesses or accidents, but to deal with major illnesses, you still need to rely on critical illness insurance or millions of medical insurance to supplement. It only plays the role of a basic guarantee.

This type of insurance is collectively referred to as "Xueping Insurance", and the coverage is accidental death and disability, accidental medical treatment, illness hospitalization medical treatment, hospitalization allowance, etc., and more may also have critical illness insurance liability, public transportation insurance liability, etc.; This insurance is voluntary, but for the school, it is definitely hoped that the child can be insured, so that some accidents can be reimbursed through the school insurance in the process of going to kindergarten. PICC is a state-owned enterprise, and its business outlets are all over the country, so you can rest assured that you can apply for insurance.

Learn to apply for insurance, voluntarily, and you can ask to see the insurance contract.

The full name of student safety accident insurance is designed for school students, which can provide children with a variety of protections such as accidental injury, accidental injury medical treatment and hospitalization. Kindergarten school insurance of 100 yuan, mainly insured accident or disease death insurance, or due to accidental injury insurance accidents, disability within 180 days from the date of accidental injury.

School insurance mainly includes death insurance and disability insurance benefits, and children can apply for compensation when they are hospitalized as long as they do not fall into the limited liability exclusion list. The biggest feature of the insurance is that the premium is cheaper, the coverage is wider, and it is more suitable for underage students. Each insurance company generally formulates its own fair insurance terms, and each company's terms will vary in terms of insurance liability, sum insured, indemnity terms, etc.

To purchase juvenile insurance, the main choice is to purchase commercial insurance in the study of social insurance, accident comprehensive insurance, life insurance or term health insurance.

Hello! Generally speaking, the reimbursement ratio of kindergarten insurance is as follows: medical expenses below 5,000 yuan, 50% reimbursement; between 5,000 yuan and 10,000 yuan, 60 percent will be reimbursed; between $10,000 and $20,000, 70% of the reimbursement will be made; When the medical expenses are between 20,000 and 30,000 yuan, 80 percent will be reimbursed.

In addition, it should be noted that the reimbursement scope of kindergarten insurance mainly includes accidental death and disability, death from illness, accidental hospitalization, accidental outpatient, accidental hospitalization allowance, illness hospitalization and children's critical illness.

As long as parents purchase this insurance for their children, then their children will be able to get the above protection. When the insured dies due to accidental injury and becomes disabled, the beneficiary of the insured's policy will receive a certain amount of insurance compensation according to the kindergarten insurance contract. Although these insurance benefits do not do much, they can still provide some compensation for the insured and their families.

If the insured is hospitalized due to accidental injury or illness, the insurance company will reimburse part of the medical code town expenses for the insured, and will also provide the insured with the corresponding hospitalization allowance, so that the insured can get a better **.

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

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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.

Kindergarten to buy Chinese life 100 insurance premium is called Xueping insurance.

The full name of Xueping Insurance 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 medical treatment. The existence of the school insurance is to protect the safety and health of students during the school period, maintain social stability, and reduce the financial burden of students' parents and the school encountering unexpected risks.

In addition, the policyholder can decide whether to apply for the insurance or not, and can voluntarily decide which life insurance company Kuanhu Yu to apply for. However, it should be noted that the specific content of different insurance companies in different regions is also different, and you need to understand how the insurance terms are stipulated before purchasing.

The Chinese life insurance premium insurance bought by kindergarten students is likely to be student safety insurance, referred to as Xueping insurance.

Student insurance is usually a kind of personal accident insurance underwritten by a commercial insurance company, which mainly covers students, and generally covers accidental or sick death, accidental disability, accidental medical treatment and hospitalization medical treatment.

In the past, the school collected the premiums of the school insurance, and the parents of the children did not know what to pay, they only knew that the school had to collect money, and the parents could not have a good understanding of the school insurance.

With the introduction of relevant regulations, the premium of the school insurance cannot be collected by the school, and it is not required to purchase the school insurance, and parents can voluntarily choose whether to insure their children, and the insurance premium must also be paid by the parents to the insurance company. You can also check out this article to have a deeper understanding of this type of insurance: What can the school's must-recommend [Student Insurance] cover?

Can I sit back and relax when I buy it?

Although a lot of Xueping insurance, it seems that accidents, illness medical treatment and death responsibilities are available, but in fact, due to the low premium, the general Xueping insurance coverage amount is not very high, which is used to protect some small diseases and pains, but in the event of a serious illness or serious accidental injury, it is far from enough. Children who are still in kindergarten may face risks such as critical illness and accidental injury at any time, so if parents want to buy insurance for their children, it is recommended to consider choosing commercial insurance such as children's critical illness insurance, medical insurance and accident insurance with more comprehensive protection. In this article, the senior sister has summarized the insurance plan suitable for children of different ages, and parents can refer to it for reference to protect their children:

Children's insurance, the difference between different age groups.

In addition, the biggest protection for children comes from their parents, and if the parents who are the breadwinners of the family unfortunately fall, they will also lose the best support for their children, so if parents are still equipped with insurance, it is recommended to protect themselves and then consider buying insurance for their children. In order to facilitate everyone, the senior sister has also sorted out a family insurance guide, which you can refer to to configure insurance for yourself and your family: 3 sets of plans, complete with a family's insurance.

How much can you report for 50 yuan insurance for 10,000 yuan in kindergarten.