How to choose the type of newborn insurance

Generally speaking, medical insurance suitable for newborns is mainly divided into two categories: children's medical insurance and commercial insurance, among which commercial insurance is divided into three categories, namely, small outpatient medical insurance, hospitalization medical insurance and million medical insurance.

1, children's critical illness insurance: Children's critical illness insurance in the market usually has the function of double payment for children's special diseases. For children with high incidence of leukemia, severe hand-foot-mouth disease, severe Kawasaki disease and type I diabetes. If you buy 500,000 yuan to pay 6.5438+0 million yuan, and buy 300,000 yuan to pay 600,000 yuan, you can avoid major family economic losses caused by serious illness, children's rehabilitation costs+parents' job losses in caring for children.

2. Medical insurance combination: Children's medical insurance is necessary, which is the foundation of the foundation, so I won't repeat it here. Commercial million medical insurance can reimburse medical expenses other than social security, and play a complementary role with social security and children's critical illness insurance.

Second, when to buy newborn insurance?

The future disease risk is unpredictable, and it may or may not happen. No one can guarantee that the sooner you buy insurance, the better, and the sooner you get protection! Therefore, insurance companies stipulate that babies can buy medical insurance and critical illness insurance as long as they are insured for 28 days. If the baby meets the conditions, intracranial hemorrhage, pathological jaundice, congenital diseases, etc. During useless output, they should be insured as soon as possible.

Third, how to deal with it?

Handling point: local social security center or community!

Materials: Newborns need to provide birth certificates, household registration books and 2-inch photos; The remaining children need to provide household registration books, identity cards, insurance cards, etc.

Validity period: within 3 months after the birth of the child, it will take effect from birth; If it is more than 3 months to 1 year, it will take effect in the next month; If it is handled in excess of 1 year, it will take effect in the following year 1.

Payment fee: generally ranging from tens of yuan to more than 100 yuan, different regions, different fees.

Processing time: within 1 month after newborn registration; Other children are from September 1 to February 20 1 every year.

Validity period: annual payment, guaranteed for one year at a time. If it is overdue, there will be no guarantee for one year and it can only be handed in next year.

Legal basis:

The Social Insurance Law stipulates that if a newborn mother is insured in that year, the newborn can be automatically included in medical insurance from the date of birth, and enjoy the treatment of cooperative medical insurance for urban and rural residents with her mother. The reimbursement of medical expenses incurred in the year of childbirth shall be calculated with the mother until the highest capping line.

Medical insurance refers to the basic medical insurance premium paid in full and on time by employers and employees according to the principle of compulsory social insurance through national legislation. If it is not paid in full and on time, the basic medical insurance fund will not pay its medical expenses regardless of individual accounts.