My child was hit by a car at the school gate, is it an accident insurance?

Hello, glad to answer for you.

According to your description, it was an accident.

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How to buy insurance for your child

First, medical insurance is essential, especially for children!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, basic medical insurance is particularly important, so you must handle the medical insurance for the child.

Second, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should be given priority.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, in addition to being used to treat the disease, it can also solve other associated problems, such as delaying homework due to illness, 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 policy can be used to solve these problems.

Let's talk about why we need to 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, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is cheap and useful.

Finally, let's look at accident insurance, children's accident insurance is particularly cheap, 200,000 yuan of protection per year, only sixty or seventy yuan, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, very practical.

Third, don't buy both types of insurance for your child!

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 articleHow do I buy insurance for my child?

There has been a detailed introduction in , so I won't go into too much detail here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, about 1,000 yuan per year can be configured comprehensively, if you buy lifelong protection, it is only two or three thousand per year, cost-effective and practical.

That's all for me"My child was hit by a car at the school gate, is it an accident insurance? "All of them, I hope it helps you! Hope!

Summary. Hello, you can report. In the case of a car accident, the insurance paid by the other party's responsible school can be reimbursed.

Student Accident Medical Insurance: 1. Students who seek medical treatment due to accidents must be in public hospitals at or above the county level, and such cases can also be covered if they are not hospitalized**. In case of hospitalization, refer to the claim of "Student Illness Hospitalization Medical Insurance".

2. The liability, liability exemption and other related matters of the insurance shall be implemented with reference to the insurance agreement signed by the insurance company. 3. Materials prepared by the student (not hospitalized): medical records, outpatient invoices, medication lists or prescriptions, film reports, copies of ID cards (front and back) and other materials formulated by the insurance company, and written information about the accident.

4. After the student fills in the claim application, the Office of Student Affairs will submit all the materials to the business personnel of the insurance company and do a good job of registration. 5. Sign for the claim submitted by the salesman of the box company and notify the student to collect it. 6. Register and prepare the claim situation.

Have a great day.

Hello, you can report. In the case of a car accident, the insurance paid by the other party's responsible school can be reimbursed. Student Accident Medical Insurance:

1. Students who seek medical treatment due to accidents must be in public hospitals at or above the county level, and such cases can also be covered if they are not hospitalized**. In case of hospitalization, please refer to the "Student Illness Hospitalization Medical Insurance" for the settlement of claims. 2. The liability, liability exemption and other related matters of the insurance shall be implemented with reference to the insurance agreement signed by the insurance company.

3. Materials to be prepared by the student (not hospitalized): medical records, outpatient invoices, medication lists or prescriptions, reports of photographs, copies of ID cards (front and back) and other materials formulated by the insurance company, and a written account of the accident. 4. After the student fills in the claim application form, the Student Affairs Office will submit all the materials to the business personnel of the insurance company and register it.

5. Sign for the claim submitted by the salesman of the box company and notify the student to collect it. 6. Register and prepare the claim situation. Have a great day.

Is there anything else I can do to help you?

Summary. Dear, good boss, the child was hit by a car, the culprit pays insurance, and the school insurance cannot be reported. Under normal circumstances, if we are involved in a traffic accident, the other party bears full responsibility for the accident, including all expenses such as personal injury.

In fact, our insurance at school cannot be covered, because the insurance cannot achieve the situation of double reimbursement. And the insurance company will also check the specific liability situation according to the car accident at the scene, if you do not have any responsibility, the other party will also bear you accordingly, then the insurance company will not make a second payment.

The child was hit by a car, the party responsible for the accident pays the insurance, can the school insurance still be reported, dear, the boss is good, the child was hit by the car, the party responsible for the accident pays the insurance, and the school insurance cannot be reported. Under normal circumstances, if we have a traffic accident, the other party will bear all the responsibility for the accident, including a series of expenses such as personal injury. In fact, our insurance at the school cannot be paid, because the insurance cannot be burned to achieve double reimbursement.

And the insurance company will also check the specific liability situation according to the car accident at the scene, if you do not have any responsibility, the other party will also bear you accordingly, then the insurance company will not make a second payment.

For example, Xiao Ming bought an accident insurance with an insurance amount of 500,000 yuan in insurance company A, and an accident file insurance with an insurance amount of 800,000 yuan in insurance company B, so if there is an accident death in a rough sail one day, he can get 1.3 million compensation. 2. Accidental medical treatment and accidental hospitalization allowance cannot be compensated repeatedly, because these two are compensatory insurance, and the insurance company will reimburse them according to the actual medical expenses incurred.

If the sum insured exceeds the medical expenses, it is considered unjust enrichment.

Hello, generally speaking, learn to level insurance.

The reimbursement scope includes accidental death disability benefit, outpatient medical insurance, inpatient medical insurance, etc., which covers accidental death, disability, accidental hospitalization, illness hospitalization and other insurance liabilities. The ** of the study level insurance is low, so the amount of protection is low, and the protection is weak. There are different types of insurance on the market, and the proportion of reimbursement for hospitalization is different, and the reimbursement ratio of most products is about 70%-80%, and the specific data can be viewed in the policy of the purchased insurance policy.

A child who is hit by a car on the way to school can be reimbursed.

Extended Materials: 1: What is Student's Insurance?

Learn the full name of Ping Insurance"Ping An insurance for primary and secondary school students. It is a kind of personal accident insurance, which is a kind of insurance for the characteristics of primary and secondary school students. Students are often voluntarily insured when they enter the school, and the insured only needs to pay a premium of a few tens of yuan to obtain a number of protections including accidental injury, accidental injury medical treatment and hospitalization medical treatment. It is the most extensive and common insurance for children and teenagers.

Its biggest feature 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. Shown below is only one of a clause.

When applying for insurance, you must also carefully read the terms and conditions of the insurance company you are applying for.

2. The claim process of Xueping Insurance.

1. Report the case.

The first step of insurance claim is to report the facts to the insurance company in a timely manner, and parents must report to the insurance company within 24 hours after an accident or hospitalization, and feedback the relevant information to the insurance company.

2. Organize the claim information.

The second step of insurance claims is to collect the information and information that is conducive to the claim in a timely manner, and collect all the claim materials, including the insurance policy.

Photocopy, ID card of the insured.

Original medical expense invoices, copies of medical records, etc. issued by Ming.

3. Upload the claim information in time.

After collecting all the claim information, submit it to the insurance company's claim center. Then you only need to wait for the insurance company to investigate, if the insured person receives the compensation in person, you need to bring the original and copy of the "ID card".

The insurance coverage is wider and the protection is more comprehensive, usually consisting of three parts: accidental injury, accidental injury medical treatment and hospitalization medical treatment. Claims can also be made according to the circumstances described, and the reimbursement process for student accident insurance usually looks like this:

1. Report in time.

In the event of an accident resulting in hospitalization** during the study period, students should contact the insurance company in time to report, and prepare all kinds of relevant materials and documents required by the insurance company, so as to facilitate the insurance company's follow-up claims, speed up the claim settlement, and save the claim time.

2. Stipulate hospital visits.

The insured needs to be treated in a hospital specified and recognized by the insurance company, generally a public hospital above the second level, and different insurance companies have different requirements for hospitals, so you should pay attention to it when purchasing accident insurance.

3. Receive compensation.

After the beneficiary prepares and submits the required supporting materials and documents to the insurance company, the insurance company will intervene in the investigation, and only after the review can the insured or beneficiary receive the insurance payment paid by the insurance company.

The reimbursement process of student accident insurance is not cumbersome, and after the insured has an accident, prepare the relevant materials in time and contact the insurance company for review, which can speed up the claim process and protect the medical expenses of the insured.

At the same time, students and parents are also reminded that when seeking medical hospitalization**, they must choose a hospital at or above the county level (county level) or a hospital recognized by the insurance company**, do not go to a small hospital or a private hospital, and the hospital that is not recognized by the insurance company will not be able to reimburse medical expenses; Secondly, if the medical expenses exceed 100, the insurance company will reimburse according to the prescribed reimbursement ratio. If you are not sure about the scope of reimbursement and the reimbursement regulations of the insurance company, please be sure to consult a professional insurance company in advance to avoid the loss caused by the inability to reimburse after medical treatment caused by ignorance.

Article 23 of the Insurance Law of the People's Republic of China After receiving the request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; Where the circumstances are complicated, an approval shall be made within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification results; For those who are liable for insurance, the obligation to compensate or pay insurance money shall be fulfilled within 10 days after reaching an agreement with the insured or beneficiary to compensate or pay insurance money. If the insurance contract stipulates the time limit for compensation or payment of insurance money, the insurer shall perform the obligation of compensation or payment of insurance money in accordance with the agreement.

If the insurer fails to perform the obligations provided for in the preceding paragraph in a timely manner, it shall compensate the insured or the beneficiary for the losses suffered thereby, in addition to paying the insurance money. No unit or individual may illegally interfere with the insurer's performance of the insurer's obligation to compensate or pay insurance money, nor shall it restrict the right of the insured or beneficiary to obtain insurance money.

Hello, the accident insurance that the student buys at school, that is, the student can be reimbursed if the student is on the way to school or on the way to school, or if there is an accident in the school, it can be reimbursed, therefore, the child is hit by a car on the way to study, this can be reimbursed.

You need to consult with the teacher and ask him to ensure that the person who is connected to the company. Tell you, and then you go and check if it's covered by insurance.

Hello, this situation is in line with accident insurance.

Category. Accidental injury means that there must be an objective accident occurring, and the cause of the accident is accidental, accidental, and unforeseeable.

Accident insurance generally covers death, dismemberment, and medical expenses. Medical expenses are generally available as a rider if the insured person has not died unexpectedly or has not reached the disability level.

If you are hospitalized due to an accident**, you must be reimbursed for the medical expenses in the accident insurance. If there is no medical expense attached to this accident insurance, you will not be eligible for medical expense coverage.

To sum up, what you have to do is to find the policy, see what items are covered, and then read the following insurance terms in detail, these are important bases for whether you can get compensation. If you meet the conditions for claims, you can call ** to report to the insurance company.

If the child is hit by a car at school, the child's medical insurance can be reimbursed in full, because the child has accident insurance for school, so the car owner also has to pay.

Counted. If the vehicle is injured by the full insurance, the compensation will be made from the compulsory traffic insurance first, and the third-party insurance will be used when the insured amount of the compulsory traffic insurance compensation is exceeded.