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Must you buy children's outpatient medical insurance for childr

  • Children's body resistance is weak, in a very easy to get sick link, once the disease in addition to costing mom and dad's vitality, but also may spend a considerable amount of medical expenses, in addition to hospitalization medical expenses, outpatient treatment can not be ignored. The following look at the children's outpatient medical insurance must be enough to buy? What is the best kind to buy?

    門診保險

    Children's outpatient medical insurance must be bought

    Children are very prone to fever and colds, so outpatient medical expenses are quite high, and there are limitations in medical insurance coverage, which can lead to financial burden if there is no commercial insurance coverage. The following is a look at the main children's outpatient medical insurance must be enough to buy?

    1. Children's minor problems and disasters continue, such as fever and cold. It is very common to have high fever and lung infection, and the treatment cost is more than ten thousand, which will be a pressure for most ordinary families.

    2. Compared to adult medical insurance, children buy insurance outpatient medical insurance cheap, each year only need to spend a very small part of the money to get a higher protection, resulting in a high rate of reimbursement of outpatient medical costs, can effectively relieve the economic burden, give children an additional medical protection.

    3. Children's basic medical insurance protection has certain limitations, you must buy insurance a children's outpatient medical insurance to fill, for the cost of reimbursement of the basic medical insurance can not be reimbursed part of the cost, children's outpatient treatment key contains the emergence of accidental outpatient and treatment outpatient, the protection of the content of the quantified strong, can give children multi-faceted outpatient treatment care.

    Because of the limitations of health insurance coverage and the fact that children's outpatient medical expenses for small problems such as fever and cold are key expenses, it is essential for parents to purchase insurance for children's outpatient medical insurance to fill the gap in health insurance and further ease the financial burden.

    What kind of outpatient medical insurance for children is good to buy

    There are many children's outpatient medical insurance products on the market today, and many parents are often overwhelmed by them and are not sure how to choose, so here we highly recommend the Children's Outpatient Warmers 2020 sold by Wise Insurance.

    Children's outpatient warm treasure insurance 2020 is suitable for the group containing 30 days Yu 17 years old to buy insurance, the protection period is 1 year, a year insurance costs 660 yuan, the actual insurance financial products protection content as follows.

    1. appear accidental death / disability: commercial insurance coverage for more than 100,000 yuan, the beneficiary suffered an accidental accident, and the cause of that safety accident death or total disability within 180 days from the date the safety accident arose, car insurance company according to the agreement commitment to pay the appearance of accidental death / total disability benefits.

    2. accidental injury medical treatment: the amount of commercial insurance coverage is more than 20,000 yuan, the beneficiary suffered an accidental accident, and the safety accident is the root cause of the beneficiary to go to the promised hospital to carry out medical treatment, in the scope of the basic medical insurance cost reimbursement of the specific expenses of effective medical expenses, according to the commitment to account for the cost reimbursement, accidental injury medical treatment 0 deductible.

    3. Outpatient medical treatment: The amount of commercial insurance is 5,000 yuan, the beneficiary suffers from the disease for the first time after the waiting period and goes to the promised hospital for outpatient (emergency) medical treatment, the auto insurance company will reimburse the effective and essential medical expenses within the scope of basic medical insurance expense reimbursement, after deducting the deductible, in proportion to the promised expenses, the deductible is 100 yuan, and the daily amount is 500 yuan.

    4. Inpatient medical treatment and treatment: the amount of commercial insurance is more than 10,000 yuan, and if the beneficiary suffers from a disease for the first time after the waiting period of 90 days, and is diagnosed by the committed designated medical institution and must be hospitalized, the auto insurance company will reimburse the specific medical expenses that are valid and essential for each inpatient treatment within the scope of basic medical insurance expense reimbursement, after deducting the deductible, in proportion to the committed expenses, with a deductible of 200 yuan.

    Is it necessary to buy outpatient medical insurance for children? The answer is no doubt, because children's human body is poor, fever and cold is the norm, such common diseases will cause outpatient medical expenses, such as the previous purchase of insurance a dedicated insurance financial products, can reasonably pass on the financial burden. There are many commercial insurance for children in and out of the hospital on the market, and we highly recommend children's outpatient warming insurance 2020, with or without personal social security can be reimbursed for expenses.

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