The basic insurance coverage of 200 yuan purchased by the school covers accidental injury, accidental injury medical treatment and hospitalization medical treatment, and the product coverage of different companies is different.

Let's take a look at an insurance policy of China Life Insurance, 200 yuan and Xue Ping:

China Life Insurance 200 yuan Xue Ping Insurance, also known as China Life Insurance Cai Yingka, has an insured age of 6-25 years and an insurance liability period of 1 year. The protection provided includes accidental disability, accidental medical treatment and hospitalization medical insurance:

1. Accidental death and accidental disability: This mainly includes accidental death and accidental disability. When students and children are physically disabled due to accidental injuries, the insurance company will pay the insurance money according to the terms agreed in the contract. The maximum payment is 90,000 yuan.

2. Accident medical insurance: This includes subsidies for outpatient and emergency expenses, including falls, traffic accidents, animal bites, burns and other accidents in physical education class. The maximum reimbursement is 9000 yuan. If the insured has no medical insurance, the deductible is 50 yuan, and the reimbursement rate is 80%. If the insured enjoys medical insurance and has no deductible, the reimbursement rate can reach 90%.

3. Hospitalization medical insurance: medical expenses incurred by the insured in hospitalization due to accidents or diseases.

4. Medical insurance for major diseases: the expenses incurred when the insured suffers from major diseases and needs treatment.

Advantages of academic insurance:

1, low insurance cost: Compared with general insurance, Xue Ping has a wide coverage and high cost performance, which can usually be solved by 100 yuan a year, with a high comprehensive cost performance.

2. Wide coverage: The medical insurance of some insurance companies is a large collection of comprehensive accident insurance, small medical insurance and low-income major illness insurance. The scope of protection is very common, and the basic protection is accident and illness medical insurance, death and disability insurance. Some Xue Ping insurances can also cover major diseases, diagnosis and treatment of diseases, third-party obligations, etc., ensuring complete content and wide coverage.