First, the basic form of insurance in Xue Ping
We take the premium version of China Life Insurance and the premium version of Xue Ping Insurance as examples:
As can be seen from the above table, both types of insurance cover healthy students or children aged 2-25.
Ultra-low premium, premium edition 100 yuan/year; The exclusive edition is only available in 200 yuan/year. Annual 100 yuan, annual security 1.
The responsibility to protect is quite comprehensive. Take the privileged edition as an example:
1. If you die for any reason, pay 50,000 yuan directly.
2. In case of accidental disability, there is also an insured amount of 50,000 yuan, which will be paid in proportion to the grade.
3. Accidental injury, the outpatient department and the inpatient department jointly bear the reimbursement amount of 30,000 yuan, which means that both the outpatient department and the inpatient department can reimburse for accidental injury.
4. In addition, if the teeth are injured accidentally, a medical expense reimbursement amount of 10000 yuan will be given.
5. If you are hospitalized due to illness, you will be directly given a reimbursement amount of 50,000 yuan.
About reimbursement ratio:
In terms of medical insurance, the proportion of reimbursement for accidental outpatient and hospitalization within the scope of compliance is as high as 90%, and the proportion of reimbursement for hospitalization for illness is as high as 80%. Compared with the medical insurance of various companies, this is a product with a relatively high reimbursement ratio. From the analysis of this product, we can draw a conclusion that Xue Ping insurance is mainly for the protection of underage students and children, with low premium and comprehensive protection, which can protect accidents and diseases. From the perspective of security responsibility, death, disability compensation and medical expenses reimbursement are all available, and it is indeed a small, comprehensive, small and refined insurance product especially suitable for students and children.
Second, the purchase channels of Xue Ping insurance
There are two main channels for purchasing Xue Ping insurance:
1, purchased through the school.
This is a purchase method that has been used for many years. Generally, when a school collects tuition fees, it will add up the premiums of Xue Ping insurance, and then the school will contact the insurance company to buy Xue Ping insurance for students. The advantage of this method is that parents don't have to worry about it, just give it to the school! However, the shortcomings are also obvious. According to the survey data, 82% of parents don't know what Xue Ping insurance is, and even many parents don't know that their tuition fees include Xue Ping insurance. The reason is that the school didn't give parents publicity and guidance on purchasing Xue Ping insurance seriously, and didn't let insurance company salesmen do knowledge training on Xue Ping insurance.
In the eyes of most parents, Xue Ping insurance is only for students to be qualified to go to school. Think about it. What can parents get from buying Xue Ping insurance in this way besides paying money? Even if you don't have an insurance policy, let alone know the insurance liability and claim settlement methods of Xue Ping insurance, how can you talk about the full protection of rights and interests? In addition, Xue Ping insurance is charged by the school, which has also produced many corruption incidents. For example, a primary school principal recently made a total profit of more than 4 million yuan from Xue Ping insurance for many years.
Because of this, the Ministry of Education has clearly issued a document to prevent schools from accepting school insurance! However, in reality, due to insufficient publicity, the school has not strictly implemented the regulations of the Ministry of Education for various reasons, resulting in that up to now, about 74% of parents have purchased the insurance through the school. We hope that parents will try their best to reduce or stop buying school education insurance! Ask yourself, if your child is in danger, do you know how to report the case, who to ask for a claim, how to prepare the claim information, how to make a claim, and how much you can claim?
2. find an insurance salesman to buy it.
In fact, almost all insurance companies now have their own Xue Ping insurance products, and basically every insurance salesman can sell Xue Ping insurance, so it is very easy to find an insurance salesman to buy Xue Ping insurance. It has obvious advantages to find an insurance salesman to buy Xue Ping insurance. The most important thing is that you can provide one-on-one guidance and service! From a comprehensive understanding of products, especially insurance liability, to insurance, to after-sales service, to claim reporting, claim data preparation and submission, to renewal, etc. What you need to do is to dock with the same insurance salesman, saving time, effort and worry!
3. Which company is the best to buy?
Every insurance company has Xue Ping insurance, and the price and insurance liability are similar. So, what should I pay attention to when buying Xue Ping insurance? I think it's claim settlement: the claim settlement process is simple, convenient and efficient, which can bring better service experience to customers. This is very important! In order to achieve this effect, there are some basic requirements for insurance companies:
1, there should be enough outlets.
Only insurance companies with many outlets can quickly connect with local outlets of insurance companies no matter where they are in danger. This is very important. In contrast, China Life is undoubtedly the insurance company with the largest number of outlets. China Life Insurance is a state-owned enterprise at the deputy ministerial level, the largest in China, with more than 20,000 outlets in urban and rural areas, more than 4,000 customer service centers and more than 2 million salesmen. It can be said that as long as you need it, the salesmen of China Life Insurance and the outlets of China Life Insurance are all around you!
Claims should be settled quickly and effectively.
Fast and efficient claims settlement is an important symbol of the service ability and level of insurance companies. As can be seen from the following table, among several well-known large companies, China Life is far ahead in terms of claim limit and odds, while other large companies are not in the top 10. Especially now, China Life has cooperated with hospitals and set up service outlets in many tertiary hospitals. In these hospitals, direct payment can be realized with high efficiency, which makes parents feel more at ease.
Four. conclusion
Xue Ping insurance is a very important basic insurance for children, which plays an irreplaceable role as social security. With low premium and complete protection, it is a kind of insurance that the state requires to buy. Therefore, if your child is not equipped with academic insurance, you must arrange it as soon as possible. Of course, generally speaking, the disadvantage of Xue Ping insurance is that the insurance coverage is not high enough to solve the problem of large expenditure caused by big risks. If you spend hundreds of dollars to configure a million medical insurance for your child, then you don't have to worry too much about minor accidents, minor illnesses to major accidents and major diseases. At least the medical expenses are ok.
I hope this article can provide some ideas for you to understand Xue Ping insurance, so that you can have some basic understanding of Xue Ping insurance, know where to buy it and know its basic protection contents. If so, I will be satisfied.