During the change of seasons, children are always prone to colds and fevers, and this year the virus is even more menacing, for example, there are news reports that 23 babies in the class have taken sick leave, and only 3 are left to attend class.
Every time I have a cold and fever, it costs a few hundred yuan, which doesn't look like much, but it adds up to thousands of dollars a year, and I can't help but feel a pain in my flesh.
Recently, a new product has also been launched: Nuanbao No. 2 Children's Outpatient Emergency Insurance, which can reimburse outpatient expenses such as colds and fevers, and can also reimburse self-financed medicines, let's take a closer look.
The article reads as follows:
Nuanbao No. 2, how about the guarantee?
Comparison of 4 outpatient insurances, which one is more cost-effective?
This product is underwritten by Huatai Property & Casualty Insurance, and the overall coverage is as follows:
In terms of insurance rules, you can buy it from 0 to 17 years old, and pay 1 year for 1 year of insurance, we have summarized its two characteristics:
1. You can also pay for a cold and fever
This product can reimburse the outpatient expenses of diseases, such as colds and fevers, bronchopneumonia, etc., and the waiting period is only 15 days, which means that it can be reimbursed half a month after buying.
In terms of reimbursement rules, there is a deductible of 100 yuan per day for disease outpatient clinics, and the maximum reimbursement is 500 yuan per day, and the reimbursement is 100% after social security reimbursement
Xiaobao cold and fever clinic for 2 days, during which a total of 1200 yuan was spent, of which 600 yuan was reimbursed by social security, and the rest of the expenses were within social security, and this product can be reimbursed 1200-600-200=400 yuan.
In addition to the social security expenses, this product has also expanded self-financed drugs, with a reimbursement ratio of 40%.
Another reminder to everyone,Only if you go to the general department of a secondary public hospital can you be reimbursedIf you take the baby to a community hospital to see a doctor, it generally belongs to a first-class hospital, and you can't compensate.
2. Small hospitalization can also be reported
In addition to outpatient services, this product also has inpatient medical coverage.
Accidents and illnesses can be compensated for hospitalization, with a deductible of 0 yuan, and after being reimbursed by social security, the reimbursement ratio is 90%, which can make up for the deductible of 10,000 yuan of million medical insurance.
In addition to reimbursement of outpatient and hospitalization expenses, this product also has 200,000 yuan of accidental death and disability, 100,000 yuan of children's specific disease protection, covering outpatient + small inpatient medical treatment + accident + critical illness, which is relatively comprehensive.
Let's take a look at **, with social security insurance, 0 6 years old needs 750 yuan per year, 6 17 years old is 600 yuan.
It should be noted that if you buy the social security version, and have not been settled by social security, the reimbursement ratio will be reduced to 60%, it is recommended that you learn more about the local medical insurance reimbursement policy before applying for insurance.
In addition, you can also consider buying the non-social security version, the reimbursement ratio is not affected by the social security reimbursement, and the two age groups** are 1150 1000 yuan respectively.
If you are interested in this product or have questions, you can alsoClick the card belowto make an appointment with a professional insurance consultant.
After introducing this product, let's also take a look at how it performs compared to other outpatient insurance.
Outpatient insurance is relatively scarce on the market, and we have compared 4 good products, as shown in the table below
Let's go straight to the conclusion:
If you want better protection, you can give priorityNuan Bao Bao No. 2The reimbursement conditions for outpatient treatment are relatively relaxed, and there are also guarantees for small hospitalization, children's special diseases, accidental death and disability, etc.;Also consideredFuture Star Children's Outpatient Inpatient Medical Insurance (Growth Version)., the protection is similar, 0-5 years old has a social security version ** cheaper;
If you want to be cheaper, you can consider itCaring for children's outpatient insurance, only reimbursement of outpatient expenses within the social insurance, the reimbursement ratio can reach 80%, and 300 500 yuan is required per year.
In general, due to the high frequency of disease outpatient services, these products have set up rules and regulations on reimbursement, including daily limits, deductibles, reimbursement ratios, etc., which must be seen clearly before you apply for insurance.
Some parents have equipped their children with accident insurance and million-dollar medical insurance very early, and they are also very interested in Nuanbao No. 2 and want to know
Q: If I have bought millions of medical insurance and accident insurance, can I buy Nuanbao No. 2 again?Will the reimbursement be duplicated?
It is possible to buy. Nuanbao No. 2 can reimburse outpatient and small inpatient medical expenses arising from illness, while the other two types of insurance cannot reimburse these.
The duplication is mainly accidental medical treatment, including accidental outpatient and inpatient treatment. However, children's accident insurance, such as Little Naughty Boy No. 5, has better conditions for accidental medical reimbursement, unlimited social security, and the reimbursement ratio is 100%, * as long as 74 yuan, and it has little impact on buying at the same time.
The million medical insurance usually has a deductible of 10,000, and the small hospitalization medical expenses can basically not be reported, and Nuanbao No. 2 can be used as a supplement.
Like these outpatient insurances, there is no guarantee of renewal, and if you buy it this year, it may be gone next year, so don't rely too much on it.
In addition, it is more important to prevent risks than to transfer risks, and usually take children to exercise more to enhance their resistance and prevent problems before they occur.
If you have any questions about the above, you canClick the card aboveMake an appointment with a professional teacher for a one-on-one consultation.