After most of the emergency and hospitalization expenses are settled by social security medical insurance, if there is a major illness, the amount of the self-paying part is not a small amount. For example, the medicines and equipment outside the medical insurance catalogue are full at their own expense, and the treatment cost of major diseases may also be Exceeding the maximum reimbursement for child health insurance. These parts of the expenditure can only be shared through commercial critical illness insurance. However, there are institutional restrictions on the insurance coverage of commercial children's medical insurance. Adult insurance guarantees the insured's ability to generate income in the future, but children and adolescents in the insurance period do not have this ability. Therefore, unless the life insurance liability is attached, the Chinese law stipulates that the maximum amount of insurance for the payment insurance is 50,000 yuan, and a few economically developed cities such as Beijing, Shanghai, and Guangzhou are relaxed to 100,000 yuan.
After the age of 6: commercial accident insurance additional medical insurance
Children between the ages of 0 and 5 have a higher probability of congenital disease and abortion. After 6 months of birth, antibodies from the mother disappear, and the chances of various emergency diseases are increased. Children between the ages of 3 and 6 are more likely to be exposed to infectious diseases in kindergartens, and antibodies will continue to increase with repeated illnesses. It is most practical to supplement your child's medical insurance at this stage. At this time, we should focus on the expense-based hospitalization insurance, and we can also add a hospitalization insurance to compensate for the work income that parents have delayed to take care of sick children.