What are the benefits of buying insurance?

The detailed name of Xue Ping Insurance is Student Ping An Insurance. It is an insurance specially prepared for students. Now college students and kindergartens can apply for insurance. The contents of protection usually include accidental intentional injury, external medical injury, hospitalization and accidental disability.

Is it necessary to buy Xue Ping insurance? The following senior sister will tell you about this problem.

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1. What are the characteristics of Xue Ping insurance?

Xue Ping Insurance, a kind of personal accident insurance, is specially designed for primary and secondary school students, and is usually insured by students according to their own opinions when they enter school.

Xue Ping Insurance not only provides basic accident protection, but also some products provide special protection such as critical illness protection and hospitalization allowance.

1. Characteristics of Xue Ping insurance

Compared with other commercial insurance, Xue Ping insurance has the following characteristics:

Low premium: Generally speaking, the premium of Xue Ping insurance is very low, which can be allocated for several tens to one hundred dollars.

Wide coverage: medical coverage caused by diseases or accidents, and certain death and disability protection responsibilities.

Low insurance threshold: as it mainly appears in the form of accident insurance, there are generally not many conditions for health notification, and some even do not need health notification, only exempting from previous diseases, and the insurance conditions are relaxed.

2. Defects of Xue Ping insurance

Low coverage: Many insurance policies only provide coverage of tens of thousands of yuan, and the accident insurance we choose alone usually has coverage of at least several hundred thousand yuan, which can be said to be the most unsatisfactory part of the insurance policy.

Take the comprehensive protection plan for children that is no longer sold as an example:

Accidental death: 50,000 yuan

Accidental hospitalization: 50,000 yuan

Sudden emergency: 5,000 yuan

Serious illness of children: 654.38+10,000 yuan

Although the coverage of this protection plan is very wide, the coverage of each responsibility is not high enough, and only 50 thousand yuan will be paid to consumers after death.

Accident insurance with a price of 100 yuan or more in the market usually has a coverage of several hundred thousand yuan, and special accident protection such as aviation accidents and comprehensive traffic accidents is also set up, so more than half of the insurance protection is still relatively poor.

Let's take a look at the critical illness insurance. This product is only 654.38+00,000 yuan. It should be understood that the treatment fee for severe illness is basically several hundred thousand yuan. For serious diseases, these insurance premiums are completely insufficient to solve the problem, and the treatment fee for serious diseases can't afford it. Needless to say, in the later stage, we can still have the remaining money to buy some nutrients to help us recover.

Therefore, when buying insurance, we need to consider whether the insurance coverage of this product can meet our protection needs.

How much coverage should I choose to buy insurance? After reading this article, you will know:

How much insurance is appropriate? Talk about the doorway inside.

2. The guarantee is unstable:

Many Xue Ping insurance products are one-year products, and there will be a crisis that they can't be bought when they stop. If you can't buy them, the guarantee will be interrupted during this period, and it will take a lot of time and energy to find new products.

Limited by space, the remaining shortcomings of Xue Ping insurance are put in this article by senior, and friends who want to continue to understand can poke:

What can compulsory school insurance guarantee? Can I sit back and relax after buying it? 》

Second, is it necessary to buy Xue Ping insurance? What should I pay attention to?

Assuming that parents don't buy any insurance for their children, buying Xue Ping insurance can be used as a transition. After all, it is easy to bump into children when they go to school, and Xue Ping insurance can also protect them, so that parents can spend less on medical care.

So what should you pay attention to when buying Xue Ping insurance? I put it into the following two points:

1. Note the effective date of unification.

Different from buying other insurance, the insurance will take effect after the waiting period. Xue Ping insurance is generally purchased by the school. Therefore, after collecting all the insurance information, the insurance company will set a unified effective time. If you are not careful, there will be a gap in insurance. If the child happens to be in danger at this time, you will not get compensation.

2. Pay attention to the scope of protection

When you apply for Xue Ping insurance, you should pay attention to whether the product coverage is complete, such as whether it covers accidental death, accidental disability, accidental injury, hospitalization and major diseases.

Only for the insured, the protection content of the product is relatively complete, which can play a powerful role in protection.

Write it at the end

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