Rabbit Insurance Children's Accident Insurance is a product underwritten by Pacific Property Insurance, which has a total of3 versions
Children are naturally active and do not have a good sense of danger.
Having an accident insurance policy for your child can reduce the financial losses caused by accidents.
And Rabbit Insurance Children's Accident Insurance is an accident insurance product exclusive to children, so what protection does it have?
What issues need to be paid attention to when configuring accident insurance for children?
Let's take a look at the relevant issues.
Rabbit Insurance Children's Accident InsuranceWhat do you think?
In order to let everyone have a better understanding of Rabbit Insurance Children's Accident Insurance, Daddy still focuses its main content in accordance with the old rules in the following **, let's take a look:
*The main content of Rabbit Insurance Children's Accident Insurance is shown in , and we will analyze it in detail below.
Enrollment Rules
Rabbit insurance children's accident insurance can beBorn between 30 days and 17 years of ageChildren's coverage is provided for this product for 1 year.
The three versions of Rabbit Insurance Children's Accident Insurance have the same insurance rules, and the main difference is reflected in the protection strength.
Coverage
(1) Accidental death and disability
The three versions of Rabbit Insurance Children's Accident Insurance are:Basic, Classic, and Premium Editions, and their sum assured are:200,000, 300,000, 500,000
(2) Accidental medical treatment
The basic and classic versions of this product have an insurance amount of 50,000 yuan, and the premium version is 100,000 yuan.
Rabbit Insurance Children's Accident Insurance is not limited to social security for accidental medical reimbursement, with 0 deductible, and 100% compensation can be realized.
(3) Other safeguards
In addition to accidental death and medical benefits, Rabbit Insurance Children's Accident Insurance also includes hospitalization allowance for specific infectious diseases and guardianship responsibilities.
There are also value-added services in paediatric ophthalmology and dentistry.
(4) Optional Liability
There are also two optional liabilities for Rabbit Insurance Children's Accident Insurance, one is traffic accident protection; The other is the protection of fractures and joint dislocations.
The specific amount of insurance can refer to the content of **, if you have any questions, you can pay attention to the daddy insurance consultation.
Premium calculation
According to the premium calculation, the premium of the basic version of the Rabbit Insurance Children's Accident Insurance is as follows:80 yuan a year; The classic version is 102 yuan; The premium version is 179 yuan
Regarding the optional liability premium of the relevant version, you can refer to the ** situation.
Overall, Rabbit Protector Children's Accident Insurance PlanRelatively abundant, you can choose the appropriate version of insurance according to your needs.
What do I need to pay attention to when buying children's accident insurance?
Through the above analysis, I believe that everyone has an understanding of rabbit insurance children's accident insurance, so what should you pay attention to when applying for children's accident insurance?
The following points are summarized by Daddy for you:
1.Coverage
Different accident insurance products may have different coverages, and parents need to carefully review the terms and conditions to understand what accidents are covered by the insurance products they have purchased.
Generally, children's accident insurance will cover death, disability, medical expenses, etc., but the specific coverage may vary from product to product.
2.Sum Insured Options
The choice of sum insured depends on the following:The actual situation of the family and the age and health status of the childand other factors. In general,It is not recommended that the death sum insured be too highFor the sake of moral hazard, there is a limit on the death insurance amount for minors, and the specific situation can be consulted by private message to the dad.
For benefits such as medical expenses, you can choose the appropriate amount of coverage according to the actual needs and budget of the family.
3.Premium and value for money
When purchasing children's accident insurance, you need to pay attentionPremium and value for money。The premiums of different products may vary greatly, and parents need to comprehensively consider factors such as coverage coverage, sum insured, and premiums to choose cost-effective products.
At the same time, care should also be taken to avoid over-buying so as not to waste premiums.
4.Cautions and Disclaimers
When purchasing children's accident insurance, there are a few things to keep in mind and exclusions.
For example, some products may not provide coverage for certain high-risk activities or accidents in certain locations, and parents need to read the terms carefully to understand these situations.
At the same time, it is also necessary to pay attention to the regulations and requirements of the insurance company to avoid affecting the claim.
Daddy concluded
All in all, the Rabbit Insurance Children's Accident Insurance has a low reimbursement threshold and a rich protection plan, so parents can flexibly choose the appropriate version according to their children's protection needs.
However, when applying for insurance, you need to pay attention to choosing the appropriate sum insured, carefully reading the exclusion clauses of the product, etc.