Is it cost-effective to buy Xueping Insurance?

The specific name of Xueping Insurance is Student Ping An Insurance. It is a kind of insurance specially prepared for students. Now college students and kindergartens can take out the insurance. The coverage usually includes accidental personal injury, external medical injury, hospitalization, accidental disability, etc.

Is it necessary to buy Xueping Insurance? Next, I will tell you about this issue.

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1. What are the characteristics of Xueping Insurance?

Xueping Insurance, one of the personal accident insurances, is an insurance that specifically serves primary and secondary school students. It is usually provided by students when they enroll. Insure your own opinions.

Xueping Insurance not only provides basic accident protection, but also has some products that specifically provide critical illness protection, hospitalization allowance and other protections.

1. Characteristics of Xueping Insurance

Compared with other commercial insurances, Xueping Insurance has the following characteristics:

Low premium: Xueping Insurance’s The premiums are generally very low, and you can basically configure one for a few dozen to one or two hundred yuan.

Wide coverage: medical coverage due to illness or accident, and also provides certain death and disability protection liabilities.

The threshold for insurance is low: Because it is mainly in the form of accident insurance, there are generally few conditions for health notification. Some do not even require health notification. They only exempt pre-existing diseases and the insurance conditions are loose.

2. Disadvantages of Xueping Insurance

Insured amount is not high: Many Xueping Insurance only provide insurance coverage of tens of thousands of yuan. At the same time, the accident insurance that we individually purchase, Generally, the insured amount is at least several hundred thousand yuan, which can be said to be the most unsatisfactory aspect of Xueping Insurance.

Take the children’s safety comprehensive protection plan that is no longer sold as an example:

Accidental death: 50,000 yuan

Accidental hospitalization: 50,000 yuan

Accidental outpatient and emergency services: 5,000 yuan

Children’s critical illness: 10,000 yuan

Although this insurance plan has a wide coverage, the insured amount for each liability is If it is not high enough, the consumer will only be compensated 50,000 yuan in death.

Accident insurance on the market with a price of around 100 yuan usually has a death benefit of hundreds of thousands, and special accident protections such as aviation accidents and comprehensive traffic accidents are also provided, so more than half of them The protection strength of mathematics insurance is still relatively poor.

Let’s learn more about critical illness protection. This product is only 10,000 yuan. You must understand that the treatment cost of critical illness is basically hundreds of thousands. For severe illness, these insurance amounts are completely insufficient to solve the problem. Moreover, the treatment costs for serious illnesses cannot be afforded, not to mention that in the later stages, there will still be money left over to buy some nutritional supplements to help with recovery.

Therefore, when purchasing insurance, we need to consider whether the insured amount of this product can meet our protection needs.

What is the appropriate amount of insurance coverage you should choose when buying insurance? You will know after reading this article:

"How much insurance coverage is appropriate?" Let’s talk about the secrets inside”

2. The protection is unstable:

Many Xueping insurance products are one-year products, and there is a risk that they will be discontinued and unavailable. If If it is no longer available for purchase, the guarantee will be interrupted during this period, and it will take a lot of time and energy to find a new product.

Due to space limitations, the remaining shortcomings of Xueping Insurance have been included in this article. Friends who want to learn more can click:

"School Must Recommend What exactly does Xueping Insurance cover? Can I sit back and relax after buying it? 》

2. Is it necessary to buy Xueping insurance? What to pay attention to?

Assuming that parents have not purchased any insurance for their children, buying a school insurance can be used as a transition. After all, it is very easy for children to get into trouble when they are in school. School insurance can also protect them. Parents spend less on medical care.

So what points must we pay attention to when purchasing Xueping Insurance? I have organized it into the following two points:

1. Pay attention to the unified effective date

What is different from buying other insurance is that when the waiting period has passed, the protection will take effect. Xueping insurance is generally purchased by the school, so after collecting all insured information, the insurance company then sets a unified effective time. If you are not careful, there will be a gap period in the insurance. If the child happens to be in danger at this time, he will not be able to receive compensation.

2. Pay attention to the scope of protection

When purchasing Xueping insurance, you should pay attention to whether the product’s protection content is complete, such as whether it covers accidental death, accidental disability, accidental injury medical care, Hospitalization, critical illness, etc.

Only when the product’s protection content is relatively complete for the insured, can it play a strong protection role.

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