School is about to start, and parents with school-age children must know this kind of insurance, that is, school insurance. Every time school starts, the school asks parents to buy one.
So, at this time of year, there are always a lot of parents who come to ask us:What is the use of the student insurance recommended by the school, and whether to buy it or not?
In addition, if I have already bought school insurance for my child, do I need to buy other insurance? Worry about duplication of protection and waste of money.
Today, we will talk about learning insurance, and we will also share a set of protection plans suitable for children, which you can refer to.
Learning level insurance is also called, only children who go to school can buy it. It mainly covers the expenses of outpatient treatment, hospitalization and hospitalization for pneumonia, fever and other diseases caused by accidental injury of the child. , only children who go to school can buy it. LordIt is necessary to cover the expenses of outpatient treatment, hospitalization, pneumonia, fever and other illnesses caused by the child's accidental injury.
Compared with other insurance productsThe biggest feature of Xueping Insurance is that it is easy to insureMost of the products are easy to buy without health notices; And **cheap, only a few per year.
Ten, a hundred pieces.
But at the same time, it also existsThe sum insured is low and the reimbursement conditions are averagesituation. For example, there are several hundred deductibles, and only the expenses within the social security are reimbursed, and the reimbursement ratio is low.
For everyone, hundreds of dollars can be used to protect children, and the cost performance is still very high. It's just that when we pick the product,Focus on medical security。Because children are young, they are easily injured and sick, and they go to the hospital very often.
In addition to this, there are two things to pay attention to when picking products:
Coverage is as wide as possible:It is important to have accident outpatient coverage. Because children are lively and active, the probability of going to the outpatient clinic is relatively high, and it is better to have this protection.
Good reimbursement conditions:Focus on selecting products with low deductibles and good reimbursement conditions. For example, there is no limit to the scope of social security, 0 deductible, and 100% reimbursement, so that within the scope of the insured amount, the money we spend can basically be reimbursed.
In general, the cost performance of the school insurance is okay, but for children, is the protection enough to buy only one school level insurance? Let's take a closer look.
Student insurance is like a "gift package", which can cover outpatient, hospitalization, death, disability and illness hospitalization, death, etc. caused by accidents, so many parents will feel that it is enough to buy a student insurance.
However, a closer look at the coverage reveals that most products have a low sum insured and very limited coverage and ratio.
Below, let's compare the essential accident insurance, million medical insurance and student insurance for children to see the difference between their protections:
It can be seen from ** that compared with accident insurance and million medical insurance, most Xueping insurance only covers the cost of social insurance and self-financed drugs, and the reimbursement ratio is low and the insurance amount is also low.
Although some of the coverage of accident insurance overlaps with that of student insurance, usuallyThe protection of accident insurance is better, and good products are not limited to social security coverage, 0 deductibles, and 100% reimbursement; Million medical insurance can cover large hospitalization medical expenses, with millions of insured amounts, and after deducting a deductible of 10,000, eligible medical expenses can be reimbursed.
In general, the school insurance can only cover the risk of accidents and minor illnesses in the child's daily life. If conditions permit, it is still necessary to equip the baby with accident insurance, million medical insurance and critical illness insurance, so that the protection will be better.
After becoming parents, children become the meat of their hearts, always hoping to give them the best things, but also want to give them the best protection, so that they can grow up safely, healthily and happily.
If you also want to configure insurance coverage for your child, you canClick the card belowto book a one-on-one consultation with a professional planner.
If you have any questions, please feel free to contact us.