Every family with a child will treat the baby as a treasure.
Once there are some minor illnesses and pains, colds and fevers, it is very distressing.
And taking the baby to the hospital is time-consuming and laborious, not to mention, in case the baby is weak and often sick, it will also cost a lot of money.
So, is there any insurance that can cover the medical expenses of taking your baby to the clinic?
Since there is a cheap and easy-to-use million-dollar medical insurance, is there still a need to choose outpatient medical insurance?
Of course, this also depends on demand.
Because there is actually a difference in the coverage of outpatient medical insurance and million medical insurance.
For outpatient medical insurance, the coverage is generally for illness and accident outpatient emergencies.
The sum insured is less than 10,000 yuan, the deductible is usually 100 yuan, and the scope of application is minor illnesses such as colds and fevers, and the renewal conditions are not stable, and the renewal is usually not guaranteed.
The million medical insurance covers the accidental hospitalization of illness.
The sum insured can usually reach more than 2 million, the deductible is generally 10,000, and the scope of application is cancer and other serious diseases**, the renewal is relatively stable, and most of them can be guaranteed to be renewed.
To put it simply, the Million Medical Insurance is for serious illnesses, while the outpatient medical insurance is for medical expenses that cover minor illnesses and pains.
Therefore, if the baby at home is not in good health and always has to run to the hospital, then an outpatient medical insurance is still very useful.
Although outpatient medical insurance looks very good, there are still some things to pay attention to when choosing a product.
First of all, the premium is relatively expensive.
Compared with the annual premium of two or three hundred for one million medical insurance, the premium for outpatient medical insurance may need to be six or seven hundred per year.
For example, for a certain product, a 10-year-old boy with social security needs an annual premium of 660 yuan.
This is also understandable, after all, the loss ratio of outpatient clinics is too high.
If the premiums are a little cheaper, the insurance company is likely to lose money.
Therefore, medical insurance that can reimburse outpatient clinics** will be more expensive than those that cover hospitalization.
Secondly, the scope of reimbursement is relatively small.
For outpatient medical insurance, the scope of reimbursement is far less than that of one million medical insurance, and can only be limited to the use of drugs within the scope of social insurance.
In this way, drugs outside the medical insurance and self-financed drugs will not be reimbursed.
Then, the reimbursement amount is lower.
This corresponds to the sum insured, which is generally within 10,000 yuan, and the outpatient expenses are usually hundreds of yuan, so this is also very understandable.
Moreover, there is an upper limit on the daily reimbursement amount for some products, and if the cost of the day exceeds this limit, the excess part will not be reimbursed.
There are also many exemption clauses.
For example, orthopedic plastic surgery, ** health care and other matters are likely to be in the disclaimer, we must pay attention to it when choosing products.
Finally, the guarantee is not stable enough.
This is mainly reflected in the fact that there is no guarantee of renewal, and only one year of insurance can be paid.
If our health changes or the product is discontinued the following year, we will not be able to continue to be covered.
Overall, outpatient medical insurance is not a rigid need, but it can be a good icing on the cake.
If we were to pick one for our children, it would certainly be excellent.
However, for ourselves, it is a better choice to do a good job of basic protection of millions of medical insurance, accident insurance, and critical illness insurance before checking and filling in the gaps.