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Children have poor immunity, and they will have a headache and brain fever if they are not carefulGoing to the hospital is inevitable.
Although it is a small problem, not only adults and children suffer from going to the hospital once, but the cost is not cheap in the long run.
Today I would like to introduce you to this latest upgrade that has been launchedNuanbao No. 2 Children's Outpatient Emergency Insurance(hereinafter referred to as Nuanbao No. 2), cold and fever can also be insured, and social security drugs can also be reimbursed;And the payout ratio has also been increased.
Autumn and winter are the flu season, and parents who have not yet configured outpatient insurance for their babies, let's take a look!
This article covers the following highlights:
What does Nuanbao Bao No. 2 protect?
Precautions for Nuanbaobao No. 2
Warm Bao No. 2 Frequently Asked Questions
What does Nuanbao Bao No. 2 protect?
The newly upgraded Nuanbao No. 2 has been improved in outpatient and emergency medical care, inpatient medical care, and children's special diseasesThe sum insured increases, the payout ratio increases, and the types of diseases increaseï¼›Accidental fracture allowance and 3 new value-added services have also been added.
Let's take a look at the product form of Nuanbao No. 2:
1. Insurance Rules
Nuanbao No. 2 is an outpatient medical insurance for children, and coverage is limited to age0-17 years old
The waiting period for outpatient treatment is only 15 days, the waiting period for hospitalization for illness is 90 days, and there is no waiting period for accidents.
The hospital requires a public hospital of grade II or above.
2. In terms of safeguard responsibility, there are mainly the following five aspects:
1. Accidental death and disabilityThe maximum compensation is 200,000 yuan, and the maximum amount of disability insurance for accidental death due to vaccination is 100,000 yuan, and the disability compensation is based on the degree of disability.
2. Outpatient medical care:The sum insured has been increased from 10,000 to 30,000, and the compensation for drugs outside the social insurance has been increased to 40%.
3. Inpatient medical careThe accidental hospitalization insurance amount has been increased from 20,000 yuan to 30,000 yuan, and the deductible is 0 yuan each timeThe reimbursement for drugs outside of social insurance has also been increased to 40%.
4. Accidental fracture allowance:This time, it also added accidental fracture allowance protection, 100 yuan a day, a total of up to 180 days, which is very practical.
5. Children's special illness insurance benefits:Specific diseases for children have also been upgraded from leukemia to 12 common specific diseases for children, and the coverage has been greatly increased, with a maximum sum insured of 100,000 yuan.
6. Value-added services:This time, Nuanbaobao No. 2 also added 3 new health value-added services, which can provide assistance for the health of the whole family.
TCM tongue diagnosis and health guidance (3 people*5 times a year);
*Doctor (unlimited);
Child growth and development counseling and feeding guidance (unlimited times).
3. Premiums
There is a social security version, 0-6 years old, the premium is 750 yuan, and the liability protection is fully upgraded, which is only 90 yuan more than the previous generation;
7-17 years old, the premium is 600 yuan, which is an overall increase in protection responsibilities compared with the previous generation, and the price has been reduced by a full 60 yuan, which is really cost-effective.
Overall, the newly upgraded Nuanbao No. 2 Children's Outpatient Emergency InsuranceExcellent responsibility, sufficient insurance amount, complete protection and good service, very good value for money!
Precautions for Nuanbaobao No. 2
To buy insurance, you must first look at the product form and protection terms of the insurance;Secondly, it is necessary to pay special attention to the health notice and the details of the claim.
1. Pay attention to health notices
Ladies and gentlemen, you must pay attention to health notices when applying for insuranceOtherwise, it will affect the claim.
You must pay attention to check before applying for insurance!Especially if the baby is sick and has not yet recoveredWait until the baby is well before taking out insurance, do not leave a record of the failure of the health notice.
Parents who don't know if they can be insured,You can click to consult the professional consultant of Dabaibao".
2. Use medical insurance reimbursement when seeking medical treatment
Parents who have bought a social security version must pay attention to the fact that if they do not use social security settlement when seeking medical treatmentOnly 60% of the remaining portion of the social security coverage will be reimbursed
Here's an example:
8-year-old Wang Xiaonuan fell while playing outdoors and spent a total of 900 yuan on outpatient medicine + examination in the hospital.
Among them are:700 yuanExpenses that fall within the scope of medical insurance (medical insurance can reimburse 300 yuan), yes200 yuanThe cost of drugs is outside the scope of medical insurance, let's see how much it costs in different situations:
If you buy a social security version and use social security, the difference between the amount you need to bear at your own expense is nearly 300 yuan.
Therefore, if you buy a friend who has a social security version, you must remember to use medical insurance when you go to the doctor!
Warm Bao No. 2 Frequently Asked Questions
Q1: The insured does not have an ID card, how to apply for insurance?
A1: If the insured has not yet applied for an ID card, he or she can use the ID number on the household registration bookletIf you do not have a household register, you can check the birth certificate and fill in the birth certificate number.
Q2: What do you mean by using social security settlement?Can customers with social security apply for the non-social security version?
A2: "Social security settlement" refers to the use of the social security account for medical expenses settlement and payment and the payment amount is greater than zero, if the social security identity is for medical treatment, but only the ** fee, consultation fee or medical service fee of the social security account payment, and other medical expenses settlement payment is zero, it is deemed to have not used social security settlement payment.
Customers with social security can choose the non-social security version and pay according to the non-social security rate, and the compensation rules are implemented according to the non-social security version.
Q3: At which hospitals are accepted** can I get the benefit??
A3: The designated hospital institutions for this product are: public hospitals above the second level (including the second level) legally operated in the territory of the People's Republic of China (excluding Hong Kong, Macao, and Taiwan) and limited to the general departments of the above hospitals, excluding the following institutions or medical services
Special Needs Medical Care, Foreign Guest Medical Care, Cadre Ward, Joint Ward, International Medical Center, VIP Department, United Hospital;
Clinics, ** centers, family beds, nursing facilities;
Recuperation, alcohol and drug rehabilitation centers.
Final Summary:
Overall, upgraded againNuanbao No. 2 Children's Outpatient Emergency InsuranceThe overall protection is very good, including the responsibility of social security external drugs that are scarce in the market, the new fracture allowance, and the upgrade of 12 kinds of children's special diseases;
EspeciallyFrail and sickly, he often runs to the hospitalcan prepare a copy.
If you have any other questions about this productYou can follow us in private messages".