Kindergarten accident insurance coverage

The coverage of accident insurance for kindergarten students generally includes accidental outpatient service, accidental hospitalization, accidental death or disability, serious illness of children, hospitalization or death.

The insurance companies insured are different, and the coverage is different. The specific coverage is subject to the child's insurance contract. Children in kindergartens are young and prone to accidents. Parents are advised to buy accident insurance for their children. The premium is low and the insured amount is relatively high. Many medical expenses such as outpatient service, hospitalization and disability caused by accidents can be compensated, providing an unexpected medical guarantee for children.

Although the effect of these insurance compensation is not great, it can still provide some compensation for the insured children and their families. If the insured child is hospitalized due to accidental injury or illness, the insurance company will reimburse part of the medical expenses for the insured child, and will also provide the insured child with corresponding hospitalization allowance, so that the insured child can get better treatment.

The scope of insurance reimbursement for kindergarten compensation is as follows: accidental death/disability, death due to illness, accidental hospitalization, accidental outpatient service, accidental hospitalization allowance, hospitalization due to illness, and serious illness of children.

1. Accidental death/disability: including accidents and accidental disability. Its insurance responsibility is to pay disability insurance money to students and children (insured) who are physically disabled due to accidental injuries. Accidental death/total disability: 1 ten thousand yuan;

2. Accidental outpatient reimbursement: including outpatient and emergency expenses subsidies. This coverage is relatively wide, covering falls, bumps, traffic accidents, gas poisoning, animal bites, physical education class burns and other accidents. Unexpected outpatient medical treatment: 0 is free of compensation, and can be reimbursed 100%. The coverage: 6500 in Plan I, 0/0000 in Plan II and 0/0000 in Plan III;

3. Accidental hospitalization allowance reimbursement: Children who are hospitalized due to illness can apply for compensation as long as they are not within the scope of limited liability exemption. After deducting the deductible 100, the hospitalization medical insurance premium shall be paid according to the payment ratio or the payment ratio agreed by both parties, with the insured amount 10000 in Scheme I, 30000 in Scheme II and 20000 in Scheme III;

4. Hospitalization of unexpected diseases: You can apply for claims for hospitalization expenses caused by accidents. Hospitalization: 1, 000 yuan,

5. Critical illness insurance: If the insured is hospitalized due to a serious illness, the insurance company can also reimburse him according to the insurance contract.

6. Death due to illness: If the insured dies due to a major illness, the insurance company will pay for it.

legal ground

People's Republic of China (PRC) Insurance Law Article 2 Insurance as mentioned in this Law refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer is liable for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.