Can children in Jining do medical insurance?

You can apply for a medical insurance card.

First of all, I seriously recommend medical insurance for urban residents, paying 40 yuan a year and handling it in the street office. This nature is like social security for adults. Whether to buy commercial insurance or not is affordable for every family in 40 yuan. Therefore, this is a necessary guarantee for babies. It is best for newborns to apply in the same year and take effect the next month. If you can't, you can only wait until the fourth quarter of next year (10-12), and you can enjoy medical insurance benefits next year.

Secondly, those who have the conditions or are more discerning and are willing to plan their family finances reasonably can choose appropriate commercial insurance. The reason why family finance is planned reasonably is because children have weak resistance in childhood, and there is indeed a serious health crisis in food now. In addition, it is inevitable that children will be naughty and cause some bumps. In this way, there will always be a family medical expenditure, and the purpose of choosing commercial insurance is to pass this family medical expenditure on to the insurance group at a small cost.

Everyone is more concerned about whether the outpatient service can be reimbursed. It seems that everyone is quite clear about hospitalization insurance. In fact, the fact is that almost all life insurance companies are divided into outpatient and inpatient medical insurance types. It's just that when you choose to buy, whether the insurance company staff clearly States the insurance liability and specific protection matters. Take Allianz products that I am familiar with as an example. The cost is 59.8 yuan/year, and the outpatient expenses can be reimbursed for 6.5438+0.5 million yuan throughout the year. The upper limit of single reimbursement is 5000 yuan. In fact, almost every company's outpatient products are charged at this standard. However, this is the case. Many parents still don't know the specific matters of outpatient service. I have to say that apart from parents' unwillingness to open their hearts to specific insurance responsibilities, the staff of life insurance companies also have certain responsibilities.

Secondly, it seems that everyone is familiar with hospitalization, and the division of responsibilities should also be clear, because some companies designate hospitals, such as a few 3A hospitals in the province. Some parents don't know, and then when signing the contract, some staff members don't explain clearly, which makes people feel that insurance is deceptive. Therefore, it is very important to remind parents to know the specific insurance liability before signing.

Experts analyze the choice of children's insurance for the baby, suggesting to improve the baby's children's medical insurance first, and then consider buying commercial insurance supplements for the baby. The inspection plan should consider children's accidents and medical security, then consider planning critical illness insurance, and finally consider planning children's education fund reserves. When buying children's insurance, it is best to choose insurance with exemption clauses. That is, if the insured dies or is totally disabled, all the future premiums of his baby will be exempted and the policy will still be valid.

In order to insure your children, you should do this:

1, the cost should not be too high. Buying insurance for children depends on the family's financial situation. In a family, parents are the mainstay of the family economy. Parents are safe, and children's expenses are guaranteed.

2. The payment period should not be too long. When parents choose products, the payment period should not be too long, because children should choose the insurance that suits them when they grow up.

3. Ensure that it is as comprehensive as possible. A perfect insurance plan includes losses caused by accidents and diseases, and should also provide corresponding protection in hospitalization and medical care.