Children and young children are very active, their self-protection awareness and ability are relatively poor, and their family consciousness is not strong enough. The probability that children will have accidents in daily life and games is much higher than that of adults. According to the survey, accidental injuries have become the first cause of death for children under 14 years of age, with high incidence and high mortality. Accidents such as drowning, poisoning, animal bites, building collapses, accidents, public security accidents, and play-and-hit injuries are all important factors in current accidental injuries and deaths. Children's accident insurance is also called accident insurance for children. It is an accidental injury insurance designed for children and adolescents. It is based on the body of a minor insured, and the death, disability, and death of a minor insured person due to accidental injury. Medical expenses or temporary loss of labor capacity are insurance for the payment of insurance benefits. General children's accident insurance covers insurance claims such as accidental death/disability/disease, accidental injury clinic, and accidental injury hospitalization. Many parents choose to prevent risks through children's personal accident insurance, and take precautions to avoid children's growth. Various risks. At present, children's accident insurance has a wide variety of types, among which consumer-type children's accident insurance is favored by experts and parents because of lower premiums and higher insurance coverage. Insurance experts remind parents that when purchasing children's accidental injury insurance, not only should pay attention to the type of insurance, but also pay attention to the following points:
1. Look at the cleanup compensation project When handling accidental medical claims, not all drug bills are found. The insurance company can reimburse it in full. Therefore, parents must find out which fees can be reported before they purchase accident insurance, and which fees cannot be reported. It is reported in full or in accordance with a certain percentage, so as to avoid disputes with insurance companies.
Second, see the scope of protection Parents and parents in the purchase of children's accidental injury insurance for children to see the scope of protection, you can choose targeted child accident insurance, it is best to burn, burn, fall, tracheal foreign body and other children Accident insurance coverage is covered.
III. Seeing the amount of insurance According to the Insurance Law, minors have no ability to work and have no wages. Therefore, when determining the death insurance amount, the maximum insured amount is limited.
Children's Day is going to teach you how to buy children's a
Children and young children are very active, their self-protection awareness and ability are relatively poor, and their family consciousness is not strong enough. The probability that children will have accidents in daily life and games is m