I plan to buy insurance for my baby. When is the right time to buy it? The minimum age for most insurances is to be 28 days old or older. Babies who reach this age can be insured, and the earlier they are insured, the better! The younger the baby, the more risks he encounters in

plans to buy insurance for the baby, when is the right time to buy it? The minimum age for most insurances is to be 28 days old or older. Babies who reach this age can be insured, and the earlier they are insured, the better! The younger the baby, the more risks he encounters in life.

According to the accidental injury monitoring network , in China, accidental injury is the primary cause of injury for children aged 0 to 14 years old. From 2000 to 2005, the average casualty rate of children aged 0 to 14 due to accidental injuries in my country was 20.1/100,000 people. On average, nearly 200,000 children lose their lives due to accidental injuries every year.

These accidental injuries are everywhere. They occur in various scenes of study and life. For example: traffic accidents, animal bites, fall injuries, cycling injuries, etc. Therefore, it is recommended that parents provide their children with complete accident protection as early as possible. The following takes Safeguard·Children's Insurance as an example to present the importance of accident insurance in the parenting process based on actual cases.

Accidental injury medical

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Scenario

There will always be unavoidable accidents in the parenting process. For example, in March this year, Ms. Xie from Shaanxi’s eight-month-old baby’s finger was pinched by the door. She saw that the child’s finger was There was some redness and swelling, and I didn't realize how serious the injury was, but the baby kept crying. Ms. Xie took her child to the hospital for examination, and the baby was diagnosed with a fracture. After treatment, a total of more than 3,000 yuan in medical expenses was spent.

Ms. Xie insured her child's safety and security and children's accident insurance after she was one month old. After Ms. Xie reported the case and verified the insurance coverage, after deducting the 100 deductible, she paid 80% of the compensation. Ms. Xie received a total reimbursement of more than 2,000 yuan. Yuan.

Compensation rules

If outpatient or inpatient treatment is required due to accidental injury, the part of the necessary and reasonable medical expenses exceeding RMB 100 that is reimbursable within 180 days from the date of the accident will be reimbursed in accordance with the regulations of the local social security authority Medical insurance benefits are paid at 80%, with a maximum insured amount of no more than RMB 10,000.

Accidental injury, death and disability

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Scenario

In April this year, Mr. Wang’s son accidentally rolled down the stairs at school. After being rushed to the hospital, he was diagnosed with spinal fracture, pelvic fracture, and urethral rupture. .

After identification by the hospital, Mr. Wang’s son’s condition meets the 10th level of disability, which meets the definition of disability due to accidental injury of Ping An Guardian Children’s Accident Insurance. After verifying the scope of insurance liability, Mr. Wang’s accidental injury death and disability insurance will be paid 10 %,Ten thousand yuan.

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Compensation rules

The insurance amount for accidental injury, death and disability is 100,000 yuan . The disability level of personal insurance is divided into levels 1-10, and the corresponding compensation ratio for levels 1-10 is reduced from 100% to 10%. The level difference is 10%.

Accidental Injury Hospitalization Allowance

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Scenario

At the beginning of 2022, Ms. Hou’s daughter ruptured her finger tendon during exercise. According to the doctor’s evaluation, surgical treatment was required, including pre-examination, surgery, and postoperative recovery time. He was hospitalized for a total of 20 days. A total of more than 800 yuan in hospitalization allowances were received from Ping An Guardian·Children’s Accident Insurance.

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Compensation Rules

Within 90 days from the date of the accident, the accident must be hospitalized due to a diagnosis by a public hospital at or above the second level; the insured will be hospitalized once due to accidental injury , and the insurer will receive hospitalization allowance for the number of days It is limited to 60 days; regardless of one hospitalization or multiple hospitalizations, the cumulative number of days shall not exceed 90 days; the insurer shall pay the accidental hospitalization allowance of 50/day based on the actual number of hospitalization days multiplied by the insured from the fourth day.

Special services: Medical advance payment for accidental hospitalization

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Scenario

When Ms. Lei was looking after her baby alone at home, the baby was accidentally scalded by boiling water. Ms. Lei quickly took the baby to the hospital for emergency treatment, but when it was time to pay, she realized that she had not brought her with her. I didn’t carry a mobile phone in my wallet. In desperation, I used the hospital’s landline to dial the report number of Ping An . Ping An promptly dispatched relevant personnel to advance the hospitalization expenses of Ms. Lei’s child.

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Compensation rules

If the insured suffers an accidental injury and incurs hospitalization medical expenses in a designated secondary or above public hospital in mainland China, the accidental hospitalization medical advance payment is limited to the accidental injury medical insurance amount, and the insurer is the insured Provide guarantee or advance payment services for accidental hospitalization medical expenses.

Every parent wants to protect their children as they grow up, but accidents are unpredictable and cannot be completely avoided. Safe Guard·Children's Accident Insurance works with parents to provide more protection for children. Children's Accident Insurance can provide peace of mind for accidental injury scenarios that children may encounter in their daily study and life, such as falls from heights, burns caused by boiling water, sports injuries, crushing injuries, etc.

Moreover, its annual premium for is only 98 yuan per year for , making it a high-quality choice for parents. In addition, this safety protection children's accident insurance can be purchased at a 20% discount on the day of the 618 event. Parents, don't miss it ~