First, why buy children's accident insurance
With the rapid development of society and the constant changes in the environment, children have an increasing probability of accidents and diseases. Coupled with the poor self-control ability of young children, active and curious, the probability of accidents is high; at the same time, because children are in physical development, immunity is weak, resistance to infectious diseases and epidemics is poor, and diseases occur. The probability is also high. According to the statistics of the Statistical Yearbook, the proportion of children and children who have been disabled due to accidents has been high, and accidents have become the main cause of child death.
Experts pointed out that in accidental fatal accidents, the annual death rate due to asphyxia is as high as 75%, the proportion of accidental deaths caused by poisoning is 12.9%, and the proportion of deaths caused by car accidents is 11.6%. In addition, there are more than 140,000 preschools each year. The child was burnt and burnt. Therefore, for the healthy growth of children, it is necessary to purchase a child accident insurance.
Second, the children's accident insurance purchase guide
General children's accident insurance coverage is wide, cost-effective, including accidental death / disability / disease, accidental injury clinic, accident or disease hospitalization and other insurance coverage, many Parents have adopted child accident insurance to prevent risks and take precautions to avoid various risks in the process of their children's growth. Insurance experts remind parents to buy children's accident insurance should pay attention to the following points:
1. See the scope of protection
Parents should see the scope of protection when buying accident insurance for children, do not think that as long as you buy accident insurance, the child happens There are guarantees for accidents. For example, if a child is accidentally burnt, he or she thinks that he can get a claim or get a full claim. However, according to the relevant terms of the insurance company, the extent of the burn must be reached to obtain the claim, and the amount of the claim is based on the disability. Level payment insurance. In other words, claims are conditional, and this condition is mainly the “disclaimer clause” in the insurance clause.
According to the relevant provisions of various insurance companies, the current coverage of child accident insurance is mainly based on death and disability, while others only guarantee death. However, it may be called accident insurance on the name of the insurance. This point, the insured should decide the terms before insuring before deciding.
2. Look at the cleanup compensation project
When handling accidental medical claims, it is not a full reimbursement for all insurance documents to find an insurance company, but selective reimbursement. For example, whether bed fees, imported drugs, etc. are reimbursed, the rules of each company are different. Therefore, before parents buy accident insurance, they must find out which expenses can be reported, and which fees cannot be reported. Whether they are reported in full or in accordance with a certain percentage, so as to avoid disputes with insurance companies.
3. Seeing the amount of insurance
According to the "Insurance Law", minor children are basically not capable of working and have no wages. Therefore, when determining the death insurance amount of a minor, it is based on the basic life of a person for 10 years. The standard is determined. In most areas, the number of children's death insurance does not exceed 50,000. Therefore, the travel accident insurance policy requires that the insured person who chooses 60 days to 17 weeks can only choose the combination of accidental injury insurance amount not exceeding 50,000. In addition, children, and other places have a maximum insured amount of 100,000. Therefore, when choosing accident insurance for your child, you should pay attention to the limitation of the death insurance amount, and the excess of the insurance amount is invalid.
Recommend children's cards to transfer risks. The Children's Card is designed for children and young people with a weak risk prevention awareness, up to 100,000 accidental hospitalization compensation. This product covers the critical illness and high accidental medical insurance, and is the choice of parents.