Can foreign children in Changshu buy children's medical insurance?

The age requirements of insurance products are divided into the following more detailed periods, and it is recommended to focus on life insurance. Other liability insurance, such as auto insurance or property insurance, is related to the time when you bought the assets and has nothing to do with your age, so it does not include:

Stage 1: 3 years old

Infants and young children's physical resistance is relatively weak compared with adults, and they often catch colds, diarrhea and minor illnesses. At the same time, they are also prone to some epidemic diseases, and may be hospitalized at any time, and the medical expenses are not small.

Now children can join the "one old and one young" medical insurance after birth. The policy is that students and children pay 100 yuan premium every year, and the reimbursement part accounts for 50% of the total expenditure, but the medical expenses can be reimbursed up to 2000 yuan every year.

If children are often ill and the expenses exceed the upper limit of social security reimbursement, then they need to buy commercial medical insurance to get more compensation and pay for hospitalization expenses. The more suitable types of insurance are hospitalization allowance insurance and hospitalization expense reimbursement insurance.

Medical insurance is compensatory insurance, and the compensation of insurance money cannot exceed the actual medical expenses of the insured. Before applying for insurance, you should estimate the amount of medical care to be paid in one year according to the law of family demand, and then take this amount as the insurance amount, so you only need to buy one copy every year, and you don't need to apply for insurance again. Many parents will buy an education insurance for their children in advance to accumulate education funds for their children. When their children are over 15 years old, they cannot buy education insurance, but the interest rate of this insurance is not higher than 2.5%. Actually, there is no need to buy it.

If economic conditions permit, you can consider buying serious illness insurance for your child. The sooner you buy it, the lower the cost. Critical illness insurance is a kind of return insurance. By the end of the guarantee period, if there is no serious illness, the premium can be refunded in full. Take an insurance product of Ping An in China as an example. It is also paid for 20 years, and the amount of protection is 200,000. At the age of 0, it is 1980 yuan/year, and at the age of 20, it is 4040 yuan/year. Some hospitalization insurance is specifically aimed at "non-medical insurance people", but the fees are relatively high. With medical insurance, you can buy low-cost hospitalization insurance, which can be controlled within 300 yuan.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.