With the arrival of spring, many infectious diseases in children have begun to strike: recently, whooping cough has topped the hot search list. According to the National Bureau of Disease Control and Prevention, more than 17,000 cases of whooping cough were reported in February 2024 alone, nearly 32 times that of the same period last year.
Parents with children feel worried when they see this kind of news, and several friends have asked whether the previously insured gold medical insurance children's long-term medical care can protect against infectious diseases such as whooping cough.
Whooping cough is an acute respiratory infection that spreads mainly through droplets, so named because the cough can last up to 100 days. Young infants and young children are most susceptible to infection. If you go to the emergency department for a mild disease, you can spend a few hundred yuan, but if you are more serious, you will need to be hospitalized for 1-2 weeks, and it usually costs thousands of yuan for medical expenses.
Other million medical insurance plans do not cover individual outpatient and emergency care, and there is a deductible of 10,000, which may not necessarily cover the treatment of whooping cough. However, the Chinese Insurance Fund Medical Insurance Children's Long-term Medical Insurance (0 deductible) can insure, and its specific disease outpatient emergency can cover whooping cough outpatient emergency and inpatient medical treatment, and 0 deductible, 1 yuan minimum compensation!
Today, I would like to recommend this million medical insurance, which is very suitable for children to buy, and the outpatient and emergency departments of whooping cough, hand, foot and mouth disease, and pneumonia can be insured. Parents with babies hurried to pay attention.
In this article:
The coverage content of Chinese Insurance Fund Medical Insurance Children's Long-term Medical Insurance (0 deductible).
Why should you buy gold medical insurance for children's long-term medical insurance (0 deductible)
Write at the end
1. The protection content of Chinese Insurance Fund Medical Insurance Children's Long-term Medical Insurance (0 deductible).
In order to facilitate everyone's understanding, the main content of this product has been sorted out in the table below.
This product is underwritten by Chinese People's Insurance Company, the product is suitable for minors aged 0-17 years old, the waiting period for infectious diseases for outpatient emergency medical treatment of specific diseases is 7 days, the waiting period for other liabilities is 90 days, there is no waiting period for accidents and renewals, the protection period is 1 year, the main insurance is guaranteed to be renewed until the age of 18, and the family is supported to apply for multiple children and enjoy a discount of up to 9%.
Coverage is divided into mandatory and optional liability. Mandatory responsibilities include (1) general inpatient medical care, (2) inpatient medical treatment for critical illnesses, (3) out-of-hospital medical treatment for specific drug expenses for malignant tumors, (4) accidental outpatient and emergency medical care, (5) critical illness care funds, and (6) proton and heavy ion medical care. Six basic responsibilities, the guarantee is very rich and comprehensive.
Among them, the first 5 main insurance liabilities are all guaranteed to be renewed until the age of 18, and the liability stability is very strong, and the first 4 liabilities share an annual insurance amount of 4 million, and the total limit of 8 million is guaranteed during the renewal period, and the insurance amount is sufficient.
All responsibilities are 0 deductibles, unlimited social security coverage costs, and the coverage is very extensive.
General inpatient medical care: for ordinary illness or accidental hospitalization, medical expenses are 0 deductible, 80% of the compensation is paid, and 60% of the compensation is paid if you are insured as social security but have not been settled by social insurance. It is applicable to the general department of secondary and above public hospitals.
Hospitalization for critical illnesses: 120 hospitalizations for critical illnesses, 0 deductibles, 100% compensation, 60% compensation for insured as social security but not settled by social security.
The scope of application of the hospital is very wide, and the general department of the secondary and above public hospitals and the special needs department of the secondary and above public hospitals are all supported. In addition, 100% of the treatment in the special needs department of secondary and above public hospitals can be paid regardless of whether social security is used or not.
Out-of-hospital malignant tumor specific drug expenses for medical treatment: 100% direct payment for drugs purchased at the pharmacy designated by the insurance company, and 60% compensation will be paid if you use specific drugs in the medical insurance catalogue and apply for insurance as social security but have not been settled by social insurance.
Accidental outpatient and emergency medical treatment: 0 deductible, 80% compensation, 60% of the compensation ratio of insurance insured as social security but not settled by social security.
Critical illness care: 120 kinds of critical illnesses diagnosed in accordance with the terms and conditions will be paid a one-time care fund of 10,000 yuan.
Proton and heavy ion medical treatment: 2nd degree or above, treatment at a designated proton and heavy ion medical institution, 0 deductible, 100% compensation. It is not limited to children over 14 years old, the annual limit is 1 million, and there is no guarantee of renewal.
Optional Liability: Outpatient and emergency medical care for specific diseases
There is no guarantee of renewal, covering 32 common diseases and infectious diseases, with an annual limit of 50,000, 0 deductibles, unlimited social security, 80% compensation, and 60% compensation if you are insured as social security but have not been settled by social security.
2. Why should you buy gold medical insurance for your child and long-term medical insurance for children (0 deductible)
From the above insurance liability, it can be found that this product not only breaks through the "10,000 deductible" of general products, but also further realizes that the outpatient and emergency treatment of specific diseases can also be compensated with 0 deductible, and the protection is very in line with everyone's needs.
1. Hospitalization starts at 1 yuan, and the maximum compensation is 100%.
The main reason for the poor experience of millions of medical consumers is the deductible of 10,000 yuan, which is basically useless for ordinary diseases to spend thousands of yuan.
As long as this product meets the terms of hospitalization, all of them are 0 deductible, and you can also pay for 1 yuan, and the child's common pneumonia, tonsillitis surgery and other hospitalizations can be compensated for 80% of the remaining part after social security reimbursement!
For example, a 1-year-old child whooping cough is hospitalized, and the remaining 3,000 yuan is self-paid after social security reimbursement, and this product can be quoted as 2,400 yuan if it meets the terms!
2. Outpatient and emergency treatment of specific diseases and accidental outpatient and emergency services can also be compensated, with a minimum compensation of 1 yuan
Generally speaking, medical insurance does not cover outpatient and emergency care for individual illnesses. However, it is common for children to be physically weak every year, and to go to the hospital several times a year. Every time I go to the emergency department, it costs hundreds of dollars, plus thousands of dollars for re-examination. Most of this money is at your own expense.
This product contains outpatient and emergency medical treatment for specific diseases, including 32 specific diseases and infectious diseases such as whooping cough, hand, foot and mouth disease, pneumonia and other diseases that are highly prevalent during this time, and outpatient and emergency expenses are 0 deductible, 1 yuan can also be compensated, unlimited social security, 80% compensation (60% of the compensation ratio is insured as social security but not settled by social security)!
For example, whooping cough, outpatient and emergency expenses are 600 yuan after social security, and this product can be reimbursed 480 yuan!
There are also accidental injuries, falls, bumps, etc., which often occur in children, and outpatient and emergency medical treatment can also be 0 deductible and 80% compensation!
This product protects children from specific diseases and accidents in their daily lives, which is a very intimate responsibility.
3. Expansion of special medical treatment for major diseases
120 kinds of critical illness medical treatment, 0 deductible, 100% compensation within the liability!In addition to medical treatment in the general department of secondary and above public hospitals, medical treatment in the special needs department of secondary and above public hospitals can also be treated with 0 deductible and 100% compensation, including special medical department, international medical department, cadre ward, VIP medical department, foreign guest medical department and VIP department.
Ordinary people usually wait in line in the general department of the hospital, and the VIP department, which is difficult for ordinary people to reach, is simply realized through this product.
4. There are many types of purchased drug protection, 100% direct payment
Many products include purchased drug protection, but there are really many types of purchased drugs in this product, as many as 157 kinds! And you can pay 100% directly at designated pharmacies, and you don't need to submit additional information for reimbursement, which is very convenient.
5. Guaranteed renewal to the age of 18, with strong stability
The disadvantage of Million Medical is that it cannot guarantee the renewal of the policy, and many people are worried that they will not be able to buy medical insurance after getting sick.
The main insurance liability guarantee of this product is renewed until the age of 18, and the child has medical insurance protection until he or she becomes an adult.
General medical care, critical illness medical treatment, critical illness care fund, accidental outpatient and emergency medical care, and out-of-hospital drug purchase liability can all be guaranteed to be renewed until the age of 18, and the liability is more stable.
6. Exclusive waiver of waiting period for old users of small umbrellas
In the past 1 year, you have been in designated products such as blue medical insurance on the small umbrella platform, children's hospitalization and 10,000 yuan care, no claims have occurred, the policy is within 30 days (inclusive) after expiration, and meets the insurance rules, health notification rules, and intelligent underwriting rules of Chinese Insurance Fund Medical Insurance Children's Long-term Medical Insurance (0 deductible), you can easily switch to this product, free of the 90-day waiting period for the main insurance of this product, apply for insurance according to the renewal premium, and enjoy protection the next day after insurance!
7. The price is advantageous
The million-dollar medical premiums for young children are generally relatively high, and some can be as high as more than 1,000 yuan a year. The premium of this product is relatively low, with the basic liability of social security insurance, the first year premium for 0-2 years old is as low as 591 yuan, and the premium for 10-13 years old is as low as 256 yuan. Compared with other products, the premiums are advantageous, and you don't have to be afraid of expensive purchases.
3. Write at the end
There are many million medical insurance products, but there are very few products that can be compensated for 0 deductible for general hospitalization and outpatient and emergency expenses for specific diseases.
Chinese Insurance Fund Medical Insurance Children's Long-term Medical Insurance (0 deductible) serious illness protection is good, special medical treatment can also be insured, ordinary people can enjoy the VIP medical treatment of the hospital; general disease inpatient medical treatment 0 deductible, specific disease outpatient and emergency can also be compensated and 1 yuan compensation, the protection is very comprehensive, the responsibility is very intimate, very in line with the needs of parents.
If you have children, hurry up and prepare one, and your children will be able to protect their whooping cough, hand, foot and mouth disease, pneumonia, and influenza A in the future.