Children are at a stage susceptible to illness due to their weak immunity. In order to reduce the economic burden of medical expenses, various insurance companies have launched a variety of children's medical insurance products for children. These products not only provide basic medical care, but also provide accident and serious illness protection. The following is the introduction of the latest 2016 children's medical insurance.
Medical insurance, which belongs to the reimbursement type of health insurance, is mainly divided into accidental medical treatment, disease medical treatment and hospitalization stickers. Among them, medical treatment is divided into hospitalization and outpatient clinics.
Experts pointed out that medical insurance is subject to reimbursement quotas, invoices are required and cannot be reimbursed. In addition, the general medical expenses are about 70% of the reimbursement that cannot be fully reimbursed, and children's medical insurance cannot be reimbursed for general outpatients, such as colds, fever, and cough.
When purchasing medical insurance, pay attention to the situation of premiums and insured amount. If you spend 10,000 yuan to buy a medical insurance, but you don't have to use a medical treatment for one year, you don't need to buy it.
Many couples choose high-end medical designated hospitals during childcare because, on the one hand, these designated hospitals can cover 100% of the expenses, including fertility, medical treatment, vaccines, etc.; on the other hand, because of these hospitals Only accepting appointment customers, the medical treatment process is relatively comfortable and convenient, and a parent can take the child to see a doctor.
At present, leukemia, tumor and other malignant diseases have a tendency to become younger. The high medical expenses incurred by such major diseases have become a heavy burden for many families. After the reform of the medical system for workers in the National City, many units have also reformed the medical expenses reimbursement system for employees' children, or reduced the proportion of reimbursement, and some even completely conceited. Today's children have a lot of minor illnesses such as fever and fever. These daily hospitalization and other treatment costs can also be solved by purchasing additional inpatient medical insurance.