In other words, if parents think that their children lack relevant protection, they can take out a student insurance for their children, but if parents think that their children already have relevant protection and there is no need to buy another one, they can also choose not to buy student insurance.
First, in commercial insurance, compared with millions of medical insurance and small medical insurance, Xue Ping insurance has three characteristics:
1. The premium is low, generally speaking, it is about one or two hundred yuan a year;
2. Wide coverage, including medical insurance caused by diseases and accidents, and certain death/disability liability;
3. The insurance threshold is low, the health notification is relatively loose, and some even have no health notification requirements.
Second, what is student insurance?
Student insurance refers to Xue Ping insurance, which is a kind of insurance in personal accident insurance. It mainly protects primary and secondary school students, and most of them are voluntarily insured by parents when their children enter school.
3. Is the insurance in school useful?
1. School insurance is group insurance and a form of mutual assistance. Hospitalization can be reimbursed for medical expenses, and accidental injury clinics can also be reimbursed for medical expenses. In the past, group insurance did not issue individual insurance policies, but now many companies have begun to issue an insurance policy to every student.
You didn't claim for compensation, which shows that you are in good health. Congratulations. Your insurance premium has never been used by yourself in these years, so the people who are settled by the insurance company are the people you helped. Here I wish you good health again. You must be a blessed person.
4. Is the insurance bought by the school useful?
1. I bought the school insurance just to give myself a reassurance. In fact, I am still of little use, so I should pay attention to my own safety. But if you don't buy it, you will suffer if something goes wrong, so you are not afraid of 10 thousand, so the school insurance is still useful.
legal ground
Measures to deal with student injury accidents
Thirty-first qualified schools should participate in school liability insurance in accordance with the relevant provisions of the insurance law.
The administrative department of education may, according to the actual situation, encourage primary and secondary schools to participate in school liability insurance.
Encourage students to voluntarily participate in accident insurance. On the premise of respecting students' wishes, schools can create convenient conditions for students to participate in accidental injury insurance, but they may not charge any fees.