Xue Ping insurance is an insurance with strong experience, but the products are quite different. The same price, some quote more, some quote less, you have to be able to choose.
I. Comparative Evaluation of Insurance in Xue Ping
Bian Xiao compares the academic insurance of mainstream insurance companies in the market at present, as shown in the following table. You can buy according to your own needs.
Second, the recommendation of Xue Ping insurance
1, China Peter Pan
2. China taught me.
3. Guo Shoucai is a genius
4. China Life Insurance 202 1
5. Huatai Xue Ping Insurance
6. Let me study safely
7. Ping An Little Champion
8. Ping An Xue Ping Insurance Upgrade
9. Ping An Xue Ping Insurance 2020
10, Pacific urchin
1 1, PICC tinker bell
12, Taikang Xue Ping Insurance Upgrade Edition
Well, that's the recommended Xue Ping insurance, which should be the most comprehensive on the market at present. Friends in need should hurry up!
By the way, I'll tell you a little secret. Friends who want to buy small medical care or 10,000 yuan of care for their children can use Xue Ping insurance instead, and the premium is much cheaper!
Three. Xue Ping Insurance Notes
1. Is there any conflict between insurance and social security in Xue Ping?
No conflict. The medical reimbursement part of Xue Ping insurance is a supplement to social security. For example, if you go to an outpatient clinic, get sick and stay in hospital, and social security can't be reimbursed, you can get supplementary reimbursement from Xue Ping insurance.
Most college insurance seems to be fully responsible, but in fact the reimbursement ratio is not 100%. After all, the price is there, and the insurance company can't lose money even if it doesn't make money. The compensation amount can only be controlled by reducing the reimbursement ratio. For example, a child with a fever spent 5000 yuan in hospital, 3000 yuan in social security, and 2000 yuan at his own expense. This part of the out-of-pocket expenses will be reimbursed by Xue Ping Insurance, and 1000 yuan can be reimbursed, which is already very good.
2. Can Xue Ping insurance only be bought at school?
That's not true. The school is only a consignment agency, not an insurance company. The Education Bureau also clearly stipulates that schools should not force students to buy academic insurance.
If you have Xue Ping insurance with good insurance liability, you can also buy it elsewhere. One more thing to note is that if you have already bought the baby a relatively comprehensive small medical insurance and accident insurance, there is no need to buy Xue Ping insurance. Of course, as mentioned above, friends who want to buy a small amount of medical care or 10,000 yuan of care for their children can completely switch to Xue Ping insurance, and the premium is much cheaper!
3. Can I buy more than one Xue Ping insurance?
Yes, accidental disability and death can be superimposed, but the part involving medical reimbursement can't, so you can only choose one, because all reimbursement medical insurance pays attention to reimbursement, no matter how much you buy, the reported money will not exceed the actual cost.
4. Learn insurance selection skills.
First of all, if you have bought insurance for your baby at home, be sure to remember the insurance company you have insured. When you are in danger, you have to settle claims with the insurance company, not with the teacher, not with the school.
Let me talk about the responsibility of learning insurance first. The reimbursement rate ranges from 50% to 100%. The maximum amount of reimbursement is also different, ranging from 5000 to 50000. The scope of reimbursement is generally limited to social security, social security does not report self-funded drugs, and Xue Ping insurance does not report it.
Many insurance policies have deductibles, and money below this amount is not reported. Therefore, the choice of skills to learn insurance is very simple. Of course, Xue Ping insurance with high reimbursement rate, high quota, self-funded drug reimbursement and no deductible is better.
What you have to do is to find a way to buy such school insurance for your children.
5. Matters needing attention after purchasing Xue Ping insurance.
(1) Remember which insurance company you bought, and make claims directly with the insurance company without going through the school.
② To seek medical treatment, you should go to a public hospital above the second level, not to a community hospital or a private hospital.
3 you must brush your social security card when you see a doctor, and you must also brush your social security card if you don't give reimbursement. If you don't brush the social security card to see a doctor at your own expense, the proportion of insurance reimbursement will also be reduced, which is very low.
④ Pay attention to the exemption clause. Congenital diseases, old injuries and unexpected medical expenses caused by others cannot be reimbursed.
⑤ Keep all invoices, inspection reports and cases for use when making claims.
⑥ Reduce the expectation of Xue Ping insurance. This is not 100% reimbursable insurance, and the part other than social security cannot be reimbursed.
A complete child insurance scheme should be: critical illness insurance+medical insurance+accident insurance+education fund. Xue Ping Insurance only covers a part of medical insurance and accident insurance.