writes product guide articles. I have been doing this job for three years, but you can find that, just like my original intention of writing this article, I found that no matter how the product changes, the guide part is very stable.
This shows that no matter what new species of "fish" there are, as long as you master the method of "fishing", you can choose the product that suits you.
Of course, the strategy part does not just tell you how to buy, but more importantly, how to avoid pitfalls so that you don’t buy crappy products and don’t buy them too expensive.
is now in the summer of 2022, and some minor updates have been made.
How to buy accident insurance for children and the elderly? I have basically written all the answers to
in this article. It is the most detailed and practical selection guide on the entire Internet, with product recommendations for June 2022.
1. What is accident insurance for children and the elderly?
The elderly and children are the most susceptible to accidents.
is often bumped, dropped and burned.
Injuries as minor as bruises, cat scratches and dog bites,
as serious as traffic accidents, drowning, electric shock, can be covered.
Generally speaking, the main responsibilities of accident insurance include three things:
Accidental death:
If unfortunately you die accidentally, the insurance company will pay a sum of money.
But in order to prevent some crazy parents from killing their children and cheating on insurance, national regulatory regulations:
-9 years old: the death benefit cannot exceed 200,000
0-17 years old: the death benefit cannot exceed 500,000
Therefore, for children aged 0-9 , even if you buy 1 million accident insurance, if you die, you will only be compensated 200,000.
As for the elderly, the risk is too high because of their age. Insurance companies have strict limits on the insurance amount, and usually they will not let you buy too high a policy.
Accidental disability:
Accidental disability refers to being disabled due to an accident.
Generally speaking, the insurance company pays a sum of money based on the insured amount multiplied by the disability level.
html Level 11 disability is the most serious, and 100% of the insured amount will be paid, Level 2 disability will pay 90%, Level 3 disability will pay 80%, and so on, until , Level 10 disability , 10% will be paid.
For example, Yang Guo and Yang Daxia had a complete rupture of one limb, which was a level 5 disability.
html Level 15 disability compensation is 60% of the insured amount, and if the insured amount is 500,000, you can get 300,000.
Accidental medical treatment:
Regardless of the elderly or children, joint dislocation, bumps and bruises are very common. Accidental medical expenses can be reimbursed,
actual reimbursement, and the insurance will reimburse you as much as you spend.
Children's accident insurance is very cheap. You can get an insurance coverage of hundreds of thousands for just a hundred yuan, which can solve some of the parents' worries.
Compared with children’s accident insurance, accident insurance for the elderly is more expensive.
This is because the elderly have a high risk of danger, and insurance companies are not willing to sell insurance for the elderly.
So, how should our family configure accident insurance for children and the elderly?
2. Selection Guide for Accident Insurance for Children and the Elderly
Accident insurance is not only simple but also cheap.
You can get hundreds of thousands of protection for just a few dozen yuan. The leverage is very high.
The specific selection criteria have been discussed in the adult accident insurance evaluation.
However, accident insurance for children and the elderly has its particularities, and their selection criteria are slightly different. We have to look at it from two aspects: basic liability and special liability :
basic liability:
accident insurance insurance Liability includes three items:
Accidental disability, accidental death, accidental medical treatment
Accidental death is to compensate for death caused by accident;
Accidental disability is to compensate for disability caused by accident, such as a broken arm, 500,000 insurance The amount of compensation is RMB 250,000;
Accidental medical expenses are compensation for medical expenses incurred due to accidents, such as cutting your hand with a kitchen knife and needing to go to the hospital for a sling.
These three items are necessary, none of them can be missing.
(So everyone should pay attention, some insurances will be short of weight, which is an obvious pitfall)
Regarding basic responsibilities, the master has three points to say:
1. Accidental death insurance amount is not important
In fact, the elderly It is difficult to increase the amount of insurance coverage for both parents and children.
The insured amount of children's accident insurance is not high because they are worried that some crazy parents will kill their children and cheat the insurance. Therefore, national regulations stipulate:
-9 years old: the death benefit cannot exceed 200,000
0-17 years old: the death benefit cannot exceed 500,000
- Therefore, even if a child aged 0-9 buys an accident insurance policy worth 1 million yuan, if he dies, he will only be compensated 200,000 yuan.
As for the elderly,
because the probability of accident is too high, insurance companies usually do not want to sell elderly insurance, so it is difficult to see high insurance amounts.
The accidental death insurance amount for the elderly is generally only 100,000.
But then again,
First of all, children and the elderly do not bear the heavy responsibility of making money to support the family.
Secondly, we do not expect how much money we will get back if the children or the elderly die, so there is no need for high death insurance coverage. What is necessary.
In short, you don’t need to worry about the accidental death insurance amount.
2. The insurance coverage for accidental disability needs to be sufficient.
I have always advocated that the insurance coverage for accidental disability should be sufficient, especially for children:
If a child is injured or disabled, the impact will be on this life.
Paradoxically, most The insured amount for accidental death and accidental disability insurance is the same. If you buy an accidental death insurance policy of 200,000 yuan, you will only get 200,000 accidental disability insurance policy.
means that the child has a broken arm, so the compensation can only be 100,000.
is obviously not enough, what should I do?
It is recommended to buy multiple copies, especially for children.
Generally speaking, 800,000 can at least meet the requirements of children.
At this time, don’t worry about the death compensation of only 200,000. Having sufficient accidental disability is the most reasonable choice.
3. The liability deductible for accidental medical treatment should be low, and the insurance amount should be sufficient.
Children's joint dislocations, knocks and bumps, and the elderly's falls and fractures are very common. At this time, our accidental medical treatment can come in handy.
Accidental medical treatment is reimbursed.
The insurance will reimburse you as much as you spend.
Pay attention to the following three points when applying for insurance:
Reimbursement scope: You can choose products that are not limited to medical insurance reimbursement, such as imported steel nails or self-paid medicine for fractures.
Deductible: deductible products are better than 100 deductible products. It has more advantages, the lower the deductible, the better;
reimbursement ratio: 00% reimbursement is more than 80% reimbursement, the higher the reimbursement ratio, the better.
That is, the higher the insurance coverage for accidental medical treatment, the better. Products with no limit on social security reimbursement, 0 deductible, and 100% reimbursement are preferred.
Featured responsibilities:
Since you are buying accident insurance for children/elderly people, it must conform to the characteristics of this group:
Bear friends are naughty and can easily cause trouble to others. They broke uncle’s vase and broke sister’s house. ipad, so it is recommended to bring minors third party liability . The insurance company will compensate you for the mischief your child has done.
Children need to be vaccinated . You know the vaccine issues that have emerged in the past two years. Once something goes wrong, vaccine protection will play a role.
Elderly people have osteoporosis and are prone to fractures, and the recovery period is long, so a fracture protection is more important.
If something happens to the elderly and it is difficult to move, then the ambulance responsibility can provide help in times of need.
Moreover, whether children or the elderly, the probability of being hospitalized due to accidents is relatively high, so hospitalization allowance can make up for the cost of family members accompanying the patient or hiring a caregiver.
In short, returning to real life scenarios, the more practical the better.
So the question is, if all the conditions are met, will it be expensive?
will not.
Even if all the above responsibilities are fulfilled,
the insured amount for children shall not exceed 50 yuan per 100,000 yuan, and the insured amount for the elderly shall not exceed 300 yuan per 100,000 yuan.
can be said to be cheap and practical.
Moreover, even if the above conditions are met, children's accident insurance is usually not too expensive:
The insured amount for children does not exceed 50 yuan per 100,000 yuan,
It is cheap and practical.
Therefore, Young Master made a screening and finally selected accident insurance suitable for the elderly and children.
3. Evaluation of accident insurance for children and the elderly on the market
After selecting the existing products on the market, the following three models are currently recommended:
html Optional for 10-17 years old:
Cute Baby Insurance
Cute Baby Insurance Among children's accident insurance products, the cost-effectiveness is very high.
It is the kind that loses money and makes a profit, so the price has been increased some time ago,
but it is still very cost-effective.
html The insured amount of 1.2 million only costs 79 yuan, and the insured amount of 500,000 only costs 169. Yuan.
.2 million insured amount, coverage from 30 days to 17 years old,
0,000 accidental medical protection (not limited to social security), deductible00% compensation,
and accident hospitalization allowance, 30 yuan/day (safety payment), The maximum compensation is 180 days.
It also covers vaccination accidents that are not included in general accident insurance. Vaccination accidents can also be compensated.
and guardian responsibility protection of 30,000 yuan, if there are naughty children at home, it can be used to protect the guardian's rights and interests.
It can be said that protection is very complete .
However, there are three points to note about this product:
First, it excludes liability for some common situations, such as a child crashing a motor vehicle while riding a bicycle, or accidentally breaking other people's electronic products. No compensation will be paid;
The second is that When making a claim, you need to provide the insured's identity document and the insured's birth certificate , otherwise the claim cannot be made.
Third, the cute baby insurance can only buy a coverage of 200,000 if it is under 10 years old, and can buy a coverage of 500,000 if it is over 10 years old.
In addition to these few points to pay attention to, the others are still very reliable.
is highly recommended.
Little Naughty Child
Compared with the previous models, Ping An Little Naughty Child is one of the few children’s accident insurance that is both cheap and can come with a high sum insured at one time.
basic version has an insured amount of 200,000 yuan, 68 yuan;
classic version has an insured amount of 300,000 yuan, 108 yuan;
premium version has an insured amount of 500,000 yuan, 168 yuan.
Taking the insurance amount of 500,000 as an example, the amount of accidental medical treatment is 50,000.
Accidental medical treatment is very good. Compensation starts from 0 yuan, and the reimbursement rate is 100%. Self-paid items other than social security can also be claimed.
If Lao Wang spent 68 yuan, he bought a little naughty accident insurance for 2-year-old Xiao Wang with a coverage of 200,000 yuan.
A month later, Xiao Wang accidentally fell from the bed. The outpatient service cost 500 yuan. After social security reimbursement, he personally paid 400 yuan.
Xiaobao’s father took the receipt to the reimbursement company for reimbursement, and the insurance company reimbursed him 400 yuan.
person didn’t spend a penny!
Ping An Little Naughty has made changes based on the original, adding two new options, which can be selected according to needs.
Taken together, Little Naughty Boy is also a very good accident insurance.
You can place an order with your eyes closed.
html Available for ages 150-90:
Haoyibao·Elderly Accident Insurance
The Xiaomi Elderly Accident Insurance recommended in the spring has been taken off the shelves. Currently, the more recommended one is Haoyibao·Elderly Accident Insurance, which has good basic protection and cheap premiums.
I take its planning department as an example:
. Accidental medical treatment: 20,000 yuan can be reimbursed, not limited to social security, 100 yuan deductible;
. Ambulance 1,000 yuan;
. Hospitalization allowance 100 yuan/day, with a cumulative upper limit of 180 days;
. Accidental fracture: 10,000 yuan.
In addition, was also given new crown protection .
would be compensated for 200,000 yuan if he died or became disabled due to the new crown infection.
Thinking about the death rate of elderly people due to COVID-19 in a certain province, this protection is still very necessary.
In addition to Plan 4, Haoyibao·Lanian Accident Insurance also has Plan 1, Plan 2 and Plan 3, which are cheaper but have lower insurance coverage.
Summary:
Children's accident insurance is not complicated, and the premium is cheap.
For families, I recommend buying multiple models for their children to increase the amount of compensation for accidental disability. (The premise is that the product allows this operation)
Elderly accident insurance is relatively expensive. Considering the high risk of accidents for the elderly, it is recommended not to pay too much attention to the insured amount, as the chance of accidental medical use is higher.
That’s it for sharing about accident insurance for children and the elderly.
