Received some parents' questions, the current campus incidents are frequent, their children are going to college alone, it is inevitable that there will be worries, thinking of allocating some insurance to their children to transfer risks, but do not know what insurance to buy practical.
This problem is very easy to solve, buy insurance for children who go to college, the real practical ones are the following 3 kinds, to introduce them to everyone one by one.
1. Million medical insurance
First of all, it should be understood that many college students are now paying for college student medical insurance, usually mixed with tuition and miscellaneous fees.
This college student medical insurance is actually the resident medical insurance we pay, but the protection of college student medical insurance is only for college students.
However, at least 80% of parents and college students may not know about this college student health insurance, and they usually do not think of using it.
With this college student medical insurance, the cost of going to the hospital for medical treatment, vaccinations and other expenses can be reimbursed.
Some small diseases and small pains, college student medical insurance is enough to cope, but if it is a more serious disease, the treatment cost is often more than one hundred and twenty thousand, then there is only one college student medical insurance, the protection is still far from enough, and it is necessary to supplement the guarantee.
This kind of serious illness situation, spending hundreds of dollars a year to supplement a million medical insurance can be done, millions of medical insurance is used to reimburse the part that medical insurance can not be reimbursed, mainly to play a role in supplementing medical insurance.
Millions of medical insurance, the amount of insurance up to several million, reimbursement of the part of the cost that medical insurance can not report, such as some imported drugs with good treatment effect, self-funded drugs and other purchase costs, after deducting the deductible of 10,000 yuan, basically can be reimbursed.
However, there are not many routines and pits in million medical insurance, when purchasing products, if you do not pay attention, you may be pitted, so give parents a few points of insurance advice:
1. Give priority to the guaranteed renewal, so that the renewal does not need to be re-examined, and even if the insurance is in the middle, it can still be renewed stably.
2, give priority to the choice of comprehensive protection, cost-effective, buy at ease, worry-free.
3. Give priority to the choice of value-added services that are practical, such as advance payment of medical expenses, green channels for medical treatment, etc., which can be much more convenient.
2. Serious illness insurance
If you are seriously ill, it is not enough to solve the medical expenses through medical insurance and million medical insurance, as well as the cost of food and nutritional supplements during hospitalization, as well as the loss of income from work suspension to take care of children, these are all money, and if the economy is tight, it will be in a difficult situation.
Therefore, for parents, considering this situation, if conditions permit, they can supplement their children with a major illness insurance.
Serious illness insurance is a type of compensation insurance, if some major diseases agreed in the contract occur, the insurance company will directly pay a lump sum of money.
This money can be used to make up for the loss of their income, and you can also buy some nutritional products for your children, and you can use them wherever you need them.
The premium is not expensive, a college student in his teens and twenties, buy a sum insured of 300,000 yuan, a thousand dollars a year of premiums.
As a reminder, choose whether to stay for life or on a regular basis based on your budget.
3. Accident insurance
College students have more extracurricular time and extracurricular activities, and the probability of accidents is larger, such as boys playing basketball, accidents such as falls, broken feet, fractures and other accidents often occur, and it is inevitable to spend hundreds of thousands of dollars to go to the hospital.
Therefore, you can buy an accident insurance, and this medical expenses arising from the accident can be reimbursed with accident insurance.
In addition, there are some accident insurance plans, and hospitalization can also receive benefits.
Buy insurance for children in college, the above 3 kinds of insurance can basically cover serious illness and accident risks, and the premium is also cost-effective, if it is complete, more than 1,000 yuan per year can be done.
However, if you want to configure it so easily, you need to choose the right product, if you have problems in the selection, you can check out this article: "Buy insurance like this, don't spend money unjustly.".