Case details
In 2019, Ms. Z, who is doing business in Huzhou City, Zhejiang Province, under the recommendation of her relatives in Chenzhou, Hunan Province, insured Xinhua Insurance's "Golden Sunshine Children's Two Complete Insurance" and "Additional Golden Sunshine Children's Critical Illness Insurance" for her 1-year-old child, with an insured amount of 1 million yuan, and at the same time insured millions of medical insurance for her children. The family took great care of the child, raised it carefully, and the whole family was happy and harmonious, but a sudden illness cast a shadow over this peaceful big family.
At the end of 2021, the child was admitted to a local hospital in Huzhou City due to persistent purpura on the face and lower limbs, and did not improve after 3 weeks of treatment. The doctor suggested going to the Children's Medical Center of a hospital in Shanghai for further diagnosis and treatment, and after a series of examinations, the final diagnosis was juvenile myeloid single-cell leukemia.
Ms. Z, who got the bone piercing results, dialed Xinhua Insurance's customer service hotline 95567, hoping to get financial support. After inquiring about the policy, the staff explained the insurance liability and informed Ms. Z of the claim process and the information required for the application. Considering the high cost of leukemia treatment and the urgency of treatment of the child at a young age, in order to settle the claim as soon as possible, the claims adjuster conducted a preliminary review of the child's first medical record and found that the diagnosis was still lymphadenopathy, ecchymosis, etc., and there was no diagnostic material for leukemia. On the one hand, the claims adjusters of chenzhou central branch in Hunan province encouraged Ms. Z to actively treat the child, and on the other hand, they linked up with the claims adjusters of Huzhou City and Shanghai City in Zhejiang Province to go to the local hospital to assist in accessing complete medical records.
After the concerted efforts of the claims adjusters in Hunan, Zhejiang and Shanghai, 1 million yuan of critical illness insurance money was finally delivered to Ms. Z within 10 days after the child's diagnosis. After discharge, the child's hospitalization medical expenses were also paid quickly.
Fighting the disease requires great courage and perseverance, and fortunately children have the company of their parents and relatives along the way, as well as the strong financial backing provided by insurance. May the child be strong and brave in the follow-up treatment, healthy and happy to grow up!
Case studies
The happiest time for a family is when new members join, so many people first consider insurance when their children are born.
How to protect the healthy growth of children through insurance? Experts suggest that the order in which you buy insurance for your child should be: accident insurance, medical insurance, critical illness insurance.
Accident insurance should be preferred. Children are lively and active by nature, like to contact new things, therefore, accidents will always be somewhat inevitable, so children's accident insurance, especially accidental medical treatment is very necessary.
Medical insurance is a must. Due to the small age, poor physical resistance, children are prone to illness, in order to reduce the pressure of medical treatment, parents should consider giving their children a permanent medical insurance for hospitalization.
Critical illness insurance needs to be taken seriously. Once you are seriously ill, the high cost of treatment will cause the whole family to fall into an economic crisis in an instant, not to mention the lost work expenses and transportation costs caused by the escort care. Critical illness insurance can also be paid enough attention to the protection of children's health through a small investment every year.
The healthy growth of children is the most desired thing for parents, however, Xiaobian also wants to remind parents that the ultimate purpose of insuring children is to increase the protection of children, for children, parents are always the biggest protection of children, so we must insure children on the basis of improving adult protection, and do not fall into the misunderstanding of "heavy children over adults".