Can pregnant women buy insurance, and what insurance can pregnant women buy?

First of all, women who are willing to get pregnant should take out insurance before they become pregnant, because there are almost no restrictions on insurance at this time; Secondly, medical insurance, critical illness insurance and accident insurance have corresponding exclusion clauses for pregnancy, such as accident insurance generally cannot compensate for accidents caused by pregnancy, miscarriage and childbirth. Therefore, mothers need to buy special maternity insurance, and if you have a sufficient budget, you can also consider high-end medical insurance.

There is a time limit for buying insurance for both infants and pregnant women.

<> can purchase insurance during pregnancy as follows:

1. Maternal and infant insurance: some maternal and infant insurance on the market reimburses pregnant women for complications during pregnancy and diseases after the birth of the fetus, and after reimbursement through childbirth or social security, 80% of the claims will be settled, and 60% of the claims will be made without social security;

2. Medical insurance: medical insurance can provide hospitalization reimbursement when pregnant women give birth to children, if it is a high-end medical insurance, it can also provide high-quality medical services and medical environment, and the protection content is more abundant, but only a few companies can buy millions of medical insurance, and will not reimburse the maternity expenses during pregnancy and childbirth.

3. Maternity insurance: Maternity insurance is one of the social insurance, and the insured can enjoy maternity allowance and maternity reimbursement after paying a certain number of maternity insurance years

Maternity allowance and reimbursement: Generally speaking, the amount of maternity allowance received is about three months' salary. The higher the average monthly salary and the more days of maternity leave, the more maternity living allowance will be received.

4. Critical illness insurance: You can buy it within 28 weeks of pregnancy, and most of the company's critical illness insurance health notice has the item "whether you are pregnant", and you can apply for insurance if you pass it.

5. Accident insurance: You can buy it, but accidents caused by pregnancy, miscarriage, dystocia, etc. will not be covered by insurance.

6. Life insurance: It can also be bought, but there will generally be no exemption during pregnancy, which will improve the protection of ordinary value.

Pregnant women who give birth to a child can be reimbursed include:

1. Employee medical insurance: that is, what we call maternity insurance, maternity insurance is one of the social insurance, which is the most basic welfare. In addition, maternal and child insurance is a kind of commercial insurance specially used to protect against maternity risks, and common protections include:

Pregnant women's prenatal examination expenses, normal delivery expenses, medical expenses arising from accidents, medical expenses arising from maternal pregnancy complications, as well as nursing and ** expenses of newborn babies, maternity insurance will meet the reimbursement conditions after 12 months.

2. Resident medical insurance: Resident medical insurance is a basic medical insurance, which can reimburse pregnant women in the process of giving birth to a child who meets the conditions for reimbursement and hospitalization, and some places cannot reimburse maternity expenses, but at least a one-time maternity subsidy can be given.

3. Hospitalization medical insurance: common commercial medical insurance cannot reimburse the cost of childbirth and childbirth, but it can reimburse the cost of ectopic pregnancy.

4. Maternal and infant insurance: Some maternal and infant insurance on the market reimburses pregnant women for pregnancy complications and fetal diseases after birth, and after reimbursement through childbirth or social security, 80% of the claims will be settled, and 60% of the claims will be made without social security.

What are the common maternity and child insurance coverages?

Common maternal and infant insurance coverage: 26 kinds of pregnancy complications such as placenta previa, placental abruption, oligohydramnios embolism, postpartum severe depression, as well as hospitalization medical expenses incurred by newborns due to premature birth and low body weight can be reimbursed. If you suffer from one of the top 10 neonatal congenital diseases, you can pay up to 100,000 yuan.

However, it is only available to healthy women aged 20-40 who are not pregnant or have less than 28 weeks of pregnancy.

<> life insurance in commercial insurance is as follows:

1. According to the number of insured people, it can be divided into individual life insurance and group life insurance.

2. According to the length of insurance time, it can be divided into short-term insurance and long-term insurance, and at the same time, it can be divided into individual short-term insurance, individual long-term insurance, group short-term insurance, and group long-term insurance according to different personal conditions.

3. According to different payment methods, it can be divided into subsidy insurance and expense insurance.

Allowance insurance: refers to the fixed payment type, such as the hospitalization allowance payment type of insurance, which is paid according to the actual number of days of hospitalization, and how much is paid per day.

Cost-based insurance: It protects the compensation of all or part of the medical expenses given to the insured according to the agreement of the insurance contract.

4. According to the different insurance responsibilities, it can be divided into: Medical insurance refers to a certain amount of compensation for the actual medical expenses of the insured; Sickness insurance, such as critical illness insurance, means that the insured suffers from a disease covered by the insurance contract, and can be paid a lump sum if he is diagnosed; Disability insurance, also known as income loss insurance, refers to the compensation received by the insured due to incapacity for work, that is, to compensate for the loss of his income; Life insurance covers death or total disability, and in the event of death or total disability, you can get the corresponding benefits.

5. According to the classification of loss types, it can be divided into medical expense insurance, disability income loss insurance and long-term care insurance.

The property insurance classifications in commercial insurance are:

1. Property damage insurance includes enterprise property insurance, family property insurance, transportation insurance, cargo transportation insurance, engineering insurance, special risk insurance and agricultural insurance.

2. Liability insurance includes public liability insurance, third-party liability insurance, product liability insurance, employer's liability insurance, and professional liability insurance.

3. Creditworthiness insurance includes export credit insurance and mortgage credit insurance.

The compulsory traffic insurance is counted as an escape within 3 months. As long as the compulsory insurance does not pay the premium and it expires, then it is out of insurance, even if it is made up within 3 months, it is also regarded as an escape. However, if the compulsory insurance is made up within 3 months after the expiration of the insurance, then you can generally enjoy the preferential treatment of the premium of the uninsured insurance, and if the insurance is renewed three months after the expiration of the compulsory insurance insurance, then you will not be able to enjoy the preferential treatment of the uninsured insurance, and the minimum will be charged according to the benchmark premium.

It is worth mentioning that the premiums during the period of compulsory insurance withdrawal do not actually need to be paid.

If you do not have compulsory traffic insurance and drive on the road, then after being investigated and dealt with by the traffic management department, you will be fined twice the premium of the compulsory traffic insurance, and the penalty of temporary detention of the car. Therefore, it is generally recommended that the car owner renew the insurance in advance before the expiration of the compulsory traffic insurance, which will be renewed immediately after the expiration of the compulsory traffic insurance of the previous year, so as to avoid many troubles that may arise after the compulsory traffic insurance is discharged.