If the child is disabled due to an accident, the insurance amount will be paid according to different disability levels. Among them, disability diseases can be divided into 1- 10 levels. For example, the first-level disability can be paid in full, and the sixth-level disability can be paid 40%.

2. Unexpected medical treatment

If the child's outpatient and inpatient medical expenses are accidental, the deductible line is 100 yuan, and if it exceeds the deductible line 100 yuan, 80% of the expenses can be paid.

3. Accidental death

If the child dies due to an accident, the insured amount can be paid at the rate of 100%.

4. If the child is hospitalized unexpectedly at school, the beneficiary should report the case to the insurance company in time, and prepare the required information and documents in time to facilitate the later claim settlement.

5. The insured is hospitalized in a second-class hospital designated and recognized by the insurance company.

6. If the information provided by the insured is fully prepared, it can be submitted to the insurance company. After an insurance company conducts an investigation and review, it generally needs to make a notice of closing the case within 7 working days.

7. Once approved, the insurance company will inform the beneficiary or the insured, and you can go directly to the insurance company to receive compensation with valid documents.

Extended data

Underwriting procedure

1. Schools or kindergartens need to fill in the insurance application form and affix their official seals;

2, a copy of the school or kindergarten organization code certificate or business license;

3. Schools or kindergartens need to provide a list of registered students or children.

Claim settlement procedure

1. Report the accident to the insurance company in time;

2. Fill in the claim application and prepare the claim procedures required by the insurance company;

reference data

Baidu encyclopedia-student accidental injury insurance