What Is Medical Student Insurance?

Student insurance is a business established with the approval of the China Insurance Regulatory Commission and is an economic contract. The liability is extensive, and student insurance covers a variety of insurance liabilities such as accidental death, disability, accidental injury outpatient medical treatment, or inpatient medical treatment.

Student insurance

Right!

Student insurance is a business established with the approval of the China Insurance Regulatory Commission and is an economic contract. Extensive liability, student insurance covers accidental death,

To be insured, you need to pay attention to students who are healthy and can study and live normally. The general period of student insurance is one year, and renewal of the expiration period requires additional procedures. The main and auxiliary insurance must be well matched to ensure comprehensive protection.

I. Insured age: Infants, children, primary school, junior high school, high school, college students who are born more than 30 days old, and those who are healthy can be insured. The child's parents insure the child.

2. Insured materials: Insured: name, gender, height and weight, ID number, address, occupation, and mobile phone number.

Insured person (child): name, gender, height and weight, ID number, relationship with the insured person, community medical treatment, hospitalization history, and other medical insurance.

I. Student disease hospitalization medical insurance

1. Students seeking medical treatment due to illness must be in a public hospital above the county level.

2. Insurance liability, exemption of liability and other related matters shall be implemented with reference to the insurance agreement signed by the insurance company.

3. Freshmen's insurance. From the effective date of the contract, the hospitalization due to illness must go through an observation period of 1-3 months. After the expiry of the period, it can be settled if it falls within the scope of insurance liability.

4. Student preparation materials: case, summary of discharge, medication list, hospitalization invoice, report form, ID copy (front and back) and other materials specified by the insurance company.

5. After the student fills out the claim application form, the student office will send all the materials to the insurance company salesman and make a registration.

6, sign the insurance company business staff submitted claims, and notify students to collect.

7. Keep a record of claims settlement.

Second, accidental medical insurance for students

1. Students seeking medical treatment due to an accident must be in a public hospital at or above the county level. Such cases can be covered without hospitalization. Such as hospitalization, refer to the claims of "Student Disease Hospitalization Medical Insurance".

2. The liability, waiver and other related matters of insurance shall be implemented with reference to the insurance agreement signed by the insurance company.

3. Student preparation materials (not hospitalized): cases, outpatient invoices, medication lists or prescriptions, photo reports, photocopies of ID cards (front and back) and other materials formulated by the insurance company, and I write a written accident Things go by.

4. After the student fills in the claim application form, the student office will submit all the materials to the insurance company business personnel and register well.

5. Sign the claim payment submitted by the salesperson of the box company, and notify the students to collect it.

6. Keep a record of claims settlement.

3. Ping An Insurance

1. Students seeking medical treatment due to illness or accident must be in a public hospital at or above the county level.

2. The liability, waiver and other related matters of insurance shall be implemented with reference to the insurance agreement signed with the insurance company.

7. Other different commercial insurance claims are settled in accordance with the insurance agreement and the relevant regulations of the insurance company.

Students generally purchase school-level insurance uniformly at the school. Insurance responsibilities include accidental death, accidental medical treatment, and inpatient medical treatment. The annual premium is about 50 yuan, with low payment and high protection. Or for group accidents, the payment is relatively higher. This is the minimum guarantee for school insurance. Parents must buy it for their children, but it does not rule out that individual parents have not paid school insurance for their children! Student insurance is generally covered by school insurance, and then it depends on whether the student family purchases rural cooperative medical insurance, community medical insurance or business insurance for their children!

At present, no matter whether they are rural or urban, parents generally apply for rural cooperative medical care or community medical care for their children. These insurances only provide basic protection for children. For example, families with conditions will consider commercial insurance for their children.

Commercial accident insurance is mainly to protect students from accidental death, disability, and burns. It may also include some accidental medical treatment and special protection items such as third party responsibility. For accident insurance on the market, only Can be said to be similar. Parents still make the right choice based on the actual situation.

Critical illness protection is mainly for some major illnesses that may occur to students. There are also different insurances to cover different critical illnesses. Now families are only children. In the event of a serious illness that causes bad results, it will be an unbearable blow to the individual or the family. Doing enough and passing on risks also guarantees the safety of students and reassures parents.

Some of the students' investment and financial insurance are mainly education funds, entrepreneurship funds, marriage funds, and pensions.

The education insurance for student education is mainly the education fund. Every commercial insurance company generally has it, mainly to protect the students' money for college after high school. At present, social prices are rising sharply, inflation and other phenomena, so education costs have become a burden on many families, so education insurance is also a reserve for parents to prepare their children for college education according to their own circumstances. Education insurance is currently relatively popular among commercial insurance.

The start-up fund is mainly for the start-up benefits of college graduates. Marriage payment and old-age care, as the name suggests, are about marriage and the protection of old-age care. Anyway, there are more types of insurance for students in the insurance market, and the coverage items and quotas are different. Students can choose the coverage limit and coverage items according to the actual situation.