Low insurance coverage and many restrictions make parents feel like a "chicken rib"
Xue Ping Insurance is called "Ping An Insurance for Primary and Secondary School Students" and belongs to personal accident insurance. It is a kind of commercial insurance that insurance companies provide protection for various risks during school, and it is also the most common insurance for children in China in recent years. At present, there is little difference in the rates and terms of academic insurance on the market, which generally includes the most basic protection such as accidental injury, illness death, accidental medical treatment and hospitalization. The insurance period is one year, and the off-campus time such as winter and summer vacations can also be covered. The price ranges from tens of yuan to more than 300 yuan. The most common medical insurance is 100 yuan, and the maximum coverage is 50,000 yuan in case of personal accident. Xue Ping insurance claims procedures are also relatively simple. As long as the information is complete, offline outlets and online platforms can make claims.
However, due to the low insurance coverage and many exemption clauses in Xue Ping, many families feel that this kind of insurance is not cost-effective, so they do not choose to take out insurance. Teacher Xiao, the head teacher of a middle school in Beijing, said that at present, the school has done a good job in student safety education, and there are very few accidents during the study period. "In the past five years, I have only helped one child to make insurance claims. After collecting premiums for several years, there are few claims, and parents and schools feel that it is not necessary to insure. "
"My granddaughter just broke her leg and had an operation in the hospital. Social security reimbursed more than 60% of the expenses. " Ms. Liu from Tongzhou District, Beijing believes that social security is becoming more and more perfect, and children can enjoy the basic medical insurance reimbursement policy. Xue Ping insurance is no longer as irreplaceable as it used to be.
The school is no longer for sale, so how to choose children's insurance?
For a long time in the past, kindergartens and schools issued insurance policies and collected premiums. Some parents are dissatisfied because the school earns a handling fee from it. 2065438+In June 2005, the Ministry of Education and the National Development and Reform Commission issued a notice prohibiting schools of all levels and types from charging commercial insurance premiums and insurance companies from opening stores to sell commercial insurance. At present, most schools no longer carry out collective insurance.
However, there are still some schools and kindergartens that secretly organize collective insurance. Yang Xiao's children attend a kindergarten in Liuzhou, Guangxi Zhuang Autonomous Region. Not long ago, she took out school insurance for her children according to the requirements of kindergarten. Ms. Li, the director of the kindergarten, feels that this insurance is still very useful: "The premium of tens of yuan can be borne by ordinary families. Especially for some families with poor economic conditions, with this insurance, in the event of an accident, the insurance company can pay thousands of dollars out of pocket, so that children can get timely and comprehensive treatment. As a garden, we are also practical. " She believes that children are lively and active, and accidents are sometimes hard to prevent. If schools are not allowed to uniformly insure Xue Ping, insurance institutions should be encouraged to develop campus liability accident insurance to fill the gap in campus risk protection.
Xue Ping insurance is gradually "cold", which is not only related to the narrowing of sales channels and the increase of social security reimbursement, but also related to the warming of other children's insurance. Liu Jinhe, a parent in Beijing, said that he had bought separate accident insurance and medical insurance for his children. "Children's insurance premiums are several thousand yuan a year, and the insured amount is several hundred thousand. In particular, medical insurance is reimbursed according to the actual treatment costs, and there is absolutely no need to repeatedly insure a medical insurance. "
It should be reminded that according to the regulatory regulations, if a minor is under the age of 10, the amount of accident and illness death insurance does not exceed 200,000 yuan; Over 10 but under 18, no more than 500,000 yuan; The compensation limit of medical expenses is limited to the actual expenses and cannot be compensated repeatedly, but the coverage of some critical illness insurance between different insurance companies can be compensated repeatedly.
People's Daily (September 20 181June 4 17 edition)
This article is from People's Daily-People's Daily.