After the birth of the child, many parents will give the child medical insurance on the 28th day, that is, urban and rural residents' medical insurance, in case there is a basic guarantee for a small illness and small disaster, but now the average hospitalization cost of the county hospital is 6,000 yuan, if the average hospitalization cost of the third-class hospital is 13,000 yuan, if the child has a cold and high fever, it means that 6,000 yuan is gone, if it is a more serious child's first high-incidence disease - leukemia, the cost of chemotherapy + bone marrow transplantation + anti-rejection treatment costs exceed 1 million.
The actual reimbursement ratio of resident medical insurance in the top three hospitals is 30%-40%, which can reduce the burden of medical treatment, but it cannot solve the problem of looking down on the disease, and there must be commercial insurance as a supplement, so children's insurance must buy three kinds of insurance, what is it? How to buy it cost-effectively?
Topics in this issue:
1. For families with limited economic conditions, children must buy three types of insurance
2. In families with abundant economic conditions, children must buy three types of insurance
3. Four issues worth paying attention to when children buy insurance
First, in families with limited economic conditions, children must buy three kinds of insurance
For families with limited economic conditions, especially parents who have bought insurance, the family starts with a mortgage, etc., and the budget is very limited, so the focus of buying insurance for children is to solve the urgent risk, and the products bought at low prices should be practical:
1. Micro medical insurance
Small medical insurance, the annual amount of 10,000, no deductible, reimbursement ratio of 80%, can be reimbursed for self-funded drugs, 0-4 years old four or five hundred years, 5 years after one or two hundred years, wait until school to buy a school insurance containing inpatient medical treatment can no longer buy.
For example, a cold and fever hospitalization costs 12,000 yuan a week, the resident medical insurance reimbursement is 4800 yuan, the remaining 7200 yuan, the small medical treatment can be reimbursed 80%, the reimbursement is 5760 yuan, and the personal expense is 1440 yuan
2. Million medical insurance
If the child has a fever and serious accident or serious illness, such as burns, falls, malignant tumors, serious hand-foot-and-mouth disease, etc., the treatment cost is 30,000-1 million, and it can be used to millions of medical insurance.
If leukemia costs 1 million, resident medical insurance reimbursement is 200,000, small medical insurance reimbursement is 10,000, and the remaining 790,000 self-funded drugs are reimbursed millions of medical insurance.
Million medical insurance, the amount of 1 million - 6 million, guaranteed renewal for 20 years, the first year of reimbursement after the second year can continue to reimburse, after the reimbursement of resident medical insurance, the remaining reasonable and necessary expenses, the reimbursement ratio of 100%. 0-5 years old is about 1000 yuan a year, the price is two or three hundred yuan a year after 5 years old, and the price is more than 100 yuan a year after 10 years old.
3. Children's accident insurance
Children's risk awareness is weak, the ability to deal with risk is insufficient, and accidental falls, drowning, and burns are not uncommon every year. Children's accident insurance costs tens of dollars a year and provides two important protections:
First: accidental death disability: can pay 10-20 million, parents raise children for many years, the cost is huge, death compensation of hundreds of thousands, can not save lives, but can give parents a certain compensation.
Second: accidental medical treatment, which can be reimbursed for accidents alone, has a certain practicality. For example, a fall injury does not need to be hospitalized, as long as you go to the next outpatient clinic, a separate outpatient can be reported.
There are three types of insurance that must be purchased for children's insurance
Second, in families with abundant economic conditions, children must buy three kinds of insurance
For families with better conditions and a good budget, there are more considerations in choosing products.
1. Micro medical insurance + million medical insurance
Guarantee that major illnesses and minor illnesses or accidental treatment costs can be reimbursed, practical, anyway, because of the high cost of illness, drag down parents, to prevent parents' hard-won property from suffering losses.
2. Children's critical illness insurance
The special diseases with high incidence in children include malignant tumors, leukemia, severe hand-foot-and-mouth disease, severe juvenile rheumatoid arthritis, severe asthma, and severe intellectual disability.
The benefits of children's critical illness insurance are:
A, serious illness insurance is a payment type, how much to buy the amount of insurance compensation, buy 500,000 insurance amount, in the event of a serious illness to 500,000 cash, can be used for the child's hospitalization during the nutrition costs, escort expenses and other income losses, for the present and the future are useful, treatment costs are reimbursed by medical insurance.
B, the younger the age of serious illness insurance, the cheaper the price, 0 years old insurance amount of 300,000, pay 30 years, as long as 1000-3000 yuan, 30 years old to buy 300,000 insurance amount, pay 30 years, pay 5000-9000 yuan per year.
C. Children's insurance generally has double the compensation for children's special diseases, such as the 300,000 insurance amount bought by adults with leukemia is 300,000, and the children with leukemia can be doubled, that is, 600,000.
There are three types of children's critical illness insurance:
Consumption type: regular consumption type and lifelong consumption type, such as paying 30 years insurance to 70 years old or lifetime, 300,000 insurance amount, one or two thousand yuan a year.
Savings type: pay 20 years or 30 years of life, have cash value, the old 70 or 80 years old can be surrendered to take money, 300,000 insurance amount, the annual payment of about 3,000.
Return type: pay 20 years of insurance for life, you can agree to return the premium at the age of 60-80, and the guarantee will continue to be valid after the return, 300,000 insurance amount, pay three or four thousand, the specific price is related to the return time.
3. Annuity insurance
Families with conditions can insure their children with an annuity insurance, and when the children are in high school, college or married, there is an education fund and a marriage payment available.
0 years old insurance, annual payment of 50,000, pay 3 years, a total of 150,000, wait until the child is about 20 years old, according to the 4.5% universal interest rate is expected, at this time the surrender can get about 300,000.
Third, four issues worth paying attention to when children buy insurance
1, outpatient emergency medical insurance, this can be reported separately for the outpatient medical insurance, each time reimbursed a few hundred dollars, but the price is more expensive, renewal of the annual audit, this can not buy.
2, children's serious illness insurance is not the first priority insurance, for normal healthy children, the probability of using medical insurance is much higher than that of serious illness insurance, severe illness insurance with limited budget is not bought for the time being, and medical insurance is first matched;
3, parents to buy annuity insurance for their children, remember to add the insured exemption, in case of parents die or serious illness, you can be exempted from paying follow-up premiums, in reality, there are parents who do not check the exemption clause, the result is a serious illness, the follow-up can not afford to pay the insurance premium resulting in the contract invalidation.
4. Buy medical insurance, serious illness insurance and other health insurance, pay special attention to health information, especially in recent years, there are outpatient and inpatient records or children with insufficient birth weight and not full-term birth need to pay attention.
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