0 -3 is the empty time when the baby is born and enters the kindergarten. The baby does not have any self-reliance and self-care ability, and needs the guards of the parents. Aside from the baby's education problems, the most important thing for the baby at this stage is safety and health. It is necessary to ensure the healthy growth of the baby through certain insurance.
So, 0 -3 What priority insurance does the baby need during this period?
Newborn medical insurance, early medical treatment policy
has already covered the newborn, whether it is the city or the newborn baby can enjoy the medical insurance policy brought by the medical insurance policy.
However, many parents can easily neglect the medical insurance for newborns, so that they miss the welfare brought by the national policy. Here, parents are reminded that
neonatal medical insurance must be done, and it is best to apply within 3 months after the baby is born. This way, the baby can enjoy medical insurance from the date of birth.
Health insurance + accident insurance, necessary protection
Baby born within 6 months, generally not easy to get sick, but not absolute; 0 -3 stage, because of low resistance, is the stage of disease, and has a certain probability In case of serious illness, in addition, medical insurance reimbursement has certain standards and proportions. Therefore, the purchase of children's commercial insurance is an essential supplement.
At this stage of the baby, the priority insurance is the health insurance and accident insurance.
Children's health insurance, parents should give priority to hospitalized medical insurance , these types of insurance generally belong to consumer insurance, low premiums, high insurance, usually one year.
Among them, the inpatient medical expenses type insurance is based on the actual expenses incurred during the hospitalization period, and the inpatient medical type insurance is based on the hospitalization days, and the hospitalization stickers are paid according to the contract.
Purchase reimbursement-type medical insurance must pay attention: the proportion of insurance companies reimbursing medical expenses for customers can not exceed 100% of the medical expenses paid by customers. Therefore, when insuring, you must look for insurance and do not repeat insurance. .
Another essential insurance is child accident medical insurance. 0 -3 baby's self-control is poor, active, curious, even if properly cared for, it is inevitable that there will be accidents, especially drowning, poisoning, burns, falling, accidental swallowing of foreign bodies, etc., in severe cases, may endanger the baby.
Some investigations have shown that accidental injuries have become the number one killer threatening children's health, so accidental medical insurance is essential for babies.
Accidental medical insurance can not avoid accidents, but it can provide timely protection for your baby's best medical services in the event of an accident. The more comprehensive the insurance, the better.
Health insurance and accident insurance, the sooner you buy, the better, the sooner the cheaper, the sooner you enjoy the protection, once the accident occurs, it can not only provide protection for the baby, but also reduce the pressure on the family.
Targeted insurance, the amount of power is
0 -3 baby, parents are accompanied by almost all day, can get the best care, in addition to the necessary insurance protection, other insurance, parents can according to needs and family The income and expenditure situation, on-demand selection, and do what you can.
Targeted insurance. insurance is not the more the better, especially the baby at this stage, does not need too comprehensive insurance protection, but if necessary, you can also choose the major diseases that are prone to occur at this stage, and carry out targeted insurance.
is the best. If family conditions permit, parents can also choose to consider the longer term, buy insurance for the baby, and make long-term plans for the baby's education and growth. Of course, we must do our best.
In summary, in addition to the basic medical insurance, 0-3 baby must have necessary accident insurance and hospitalization insurance. Parents of other insurance types can consider it as appropriate.
1) Insured order do not reverse: first accident insurance, then health insurance
2) Do not over-insure: children's death insurance can not exceed 100,000,100,86,100,86,8613) Parents must have certain protection: parents are children relying on