General types of student commercial insurance:
I. Student Medical Commercial Insurance
Student medical commercial insurance is mainly aimed at the medical expenses incurred by students and children due to hospitalization during the insurance period, and the insurance company pays the corresponding insurance money according to the provisions of the insurance contract. Buying student medical commercial insurance can reduce the burden of family treatment expenses and make up for the shortage of social security.
Second, student accident commercial insurance
Student accident commercial insurance is mainly responsible for the total or partial disability caused by the accidental death of children. The insurance company will compensate the beneficiaries according to the contract, let them settle down or subsidize the future needs of the insured. Accidents usually refer to foreign, sudden and non-disease situations.
Third, student education commercial insurance.
The commercial insurance for student education is mainly responsible for the educational expenses of children at all stages of their growth, including the capital needs of children in high school, university, starting a business or further study after graduation. Children's education is a rigid demand and must be completed. Educational commercial insurance has the function of compulsory savings and can achieve the purpose of earmarking.
Extended data:
The biggest purpose of purchasing commercial medical insurance for students is to make up for the shortcomings of social security, so choosing businesses for students should focus on purchasing reimbursement hospitalization medical insurance. Also pay attention to understand what the scope of protection is, such as whether the product is included in some projects that are not reimbursed by social security.
When purchasing medical insurance, we should also pay special attention to the details of payment terms, such as whether the maximum payment limit is stipulated or not, and whether there is a provision for item-by-item payment limit; For another example, is there a certain provision for the proportion of total expenses reimbursement?
If economic conditions permit, parents should also buy a student critical illness insurance for their children. However, for children with basic medical insurance for children, the insurance strategy is to make up for the lack of social security with a small amount of fee-based hospitalization medical insurance, with subsidized medical insurance or critical illness insurance as the main one.
Sort out the insurance clauses, adjust the insurance exemption content according to the development and changes of social life, expand the scope of protection, and protect students' accident risks more comprehensively. Camping mentioned in the above cases, as well as rock climbing and skiing, which are more common at present, are no longer exempted from insurance.
Baidu encyclopedia-commercial insurance
People's Daily Online: The new "student safety insurance" has better protected the safety of children.