College students' academic insurance is an insurance product specially designed for college students, aiming at providing comprehensive protection for college students.
The coverage of college students' academic insurance covers all aspects such as study, life and practice, and generally includes hospitalization insurance, accidental injury insurance and serious illness insurance. To provide timely financial support for college students in case of accidental injury or sudden illness.
1. What are the characteristics of Xue Ping insurance?
Xue Ping Insurance, a kind of personal accident insurance, is specially designed for primary and secondary school students, and is usually insured by students according to their own opinions when they enter school.
Xue Ping Insurance not only provides basic accident protection, but also some products provide special protection such as critical illness protection and hospitalization allowance.
1. Characteristics of Xue Ping insurance
Compared with other commercial insurance, Xue Ping insurance has the following characteristics:
Low premium: Generally speaking, the premium of Xue Ping insurance is very low, which can be allocated for several tens to one hundred dollars.
Wide coverage: medical coverage caused by diseases or accidents, and certain death and disability protection responsibilities.
Low insurance threshold: as it mainly appears in the form of accident insurance, there are generally not many conditions for health notification, and some even do not need health notification, only exempting from previous diseases, and the insurance conditions are relaxed.
2. Defects of Xue Ping insurance
Low coverage: Many insurance policies only provide coverage of tens of thousands of yuan, and the accident insurance we choose alone usually has coverage of at least several hundred thousand yuan, which can be said to be the most unsatisfactory part of the insurance policy.
Take the comprehensive protection plan for children that is no longer sold as an example:
Accidental death: 50,000 yuan
Accidental hospitalization: 50,000 yuan
Sudden emergency: 5,000 yuan
Serious illness of children: 654.38+10,000 yuan
Although the coverage of this protection plan is very wide, the coverage of each responsibility is not high enough, and only 50 thousand yuan will be paid to consumers after death.
Accident insurance with a price of 100 yuan or more in the market usually has a coverage of several hundred thousand yuan, and special accident protection such as aviation accidents and comprehensive traffic accidents is also set up, so more than half of the insurance protection is still relatively poor.
Let's take a look at the critical illness insurance. This product is only 654.38+00,000 yuan. It should be understood that the treatment fee for severe illness is basically several hundred thousand yuan. For serious diseases, these insurance premiums are completely insufficient to solve the problem, and the treatment fee for serious diseases can't afford it. Needless to say, in the later stage, we can still have the remaining money to buy some nutrients to help us recover.
Therefore, when buying insurance, we need to consider whether the insurance coverage of this product can meet our protection needs.