Dongguan children's social security is when the deduction

First-time enrollment and have been enrolled in the insurance is not the same. Generally all in the current year between June and October to declare the new enrollment, children's health insurance premiums charged time: September 20 to October 30 each year by the social security institutions unified through the bank collection. For insured children, health insurance premiums are collected from September 20 to September 30 every year by the social security institution through the bank, and the time period for collecting the premiums is from September of the current year to August of the following year, ****12 months as a payment time period.

There are two types of pediatric medical insurance we usually come across: pediatric social security and commercial pediatric pediatric social security can provide the most basic medical insurance for children. Although the benefit ratio and the maximum number of benefits are not as good as commercial insurance. But it also has two major advantages:

Can be claimed for outpatient medical expenses

Outpatient expenses occur more frequently, but commercial insurance is generally not liable for outpatient disease (except, for example, congenital diseases and pre-existing conditions to provide protection for some of the children may be congenital with a number of illnesses, the cost of treatment for this part of commercial insurance in order to control risk also does not provide coverage services. Some children may be born with some diseases, for this part of the cost of treatment, commercial insurance in order to control the risk does not provide protection services. The price of children's social health insurance is also lower, it is recommended that parents first give their children commercial children's health insurance including: children's critical illnesses, children's In order to better compensate for the social security children's health care, parents can choose to super social security (the scope of coverage covers the social security payment directory of medicinal items outside of the children's social security benefits

1, children's health insurance to make up for the gap in the social security

In recent years, the Although the health insurance policy in the process of reform gradually increased the scope of coverage, a lot of areas will be included in the basic health insurance for children, but the social health insurance "low protection, wide coverage" principle determines the protection of its restrictions, the types of drugs covered by the characteristics of the small, especially a variety of new diagnostic and treatment means, the new special drugs, is not only very expensive, and The newest and the most important thing is that they are all self-financed.

What's more worrying is the uneven distribution of medical resources in China, with hospitals in cities with high medical standards often experiencing the dilemma of "hard to find a bed", poor hospitalization conditions, and cumbersome consultation and reimbursement procedures, all of which make people feel exhausted when they seek medical treatment.

On the other hand, the child's immune system is not yet strong, low resistance, compared to adults, more likely to receive germs infection; and children's organs are not yet developed, poor adaptability, is the high incidence of disease, especially 0 to 6 years of age of young children, prone to a number of minor illnesses, such as colds, coughs, pneumonia, bronchitis, and so on, the risk of hospitalization is also higher.

In addition, children by nature like to explore the world, unaware of the accidents that often happen, sometimes despite minor injuries, but due to the lower resistance of children, resulting in cross-infection or induced by other diseases are also more often, hospitalization and treatment costs are not expensive.

In response to these circumstances, in order to make up for the shortcomings of social security, strengthen the level of children's medical protection, alleviate the mental and economic pressure of parents, focusing on the protection of the two new medical insurance products featured prominently: each year to enjoy the full amount of hospitalization cost compensation, life-long accumulation of 4 times the basic amount of hospitalization protection; 0 to 60 years of age are eligible to participate in the insurance, the renewal of the age of up to 80 years old; to break through the health insurance Limitations, both inside and outside the social security can be covered; if notified within two days from the date of admission, the maximum 100% of the remaining portion of the medical insurance first payout, no medical insurance first payout, then the maximum 80% of the benefits; coverage covers outpatient special diseases (malignant tumors, radiotherapy and chemotherapy, dialysis, renal transplantation, anti-rejection treatment, etc.), outpatient surgery and hospitalization before and after the outpatient emergency room, in order to supplement the medical insurance; but also to provide admission to the special wards, to enjoy a more professional We can also provide you with a special ward to enjoy more professional physician resources, more advanced medical equipment, better quality medical environment and more intimate medical services.

2, effectively alleviate the family economic pressure

Netizen Mr. Wang said, his son is 7 years old, poor health and naughty, last year, his son was hospitalized for appendicitis, *** spent 8,560 yuan. Although Shanghai's children's health insurance is also better, the health insurance paid out 3,810 yuan, the remaining 4,750 yuan is not a small amount.

Children are the heart and soul of their parents, and I believe many of them have had similar experiences to Mr. Wang. Mr. Wang's son appendicitis surgery hospitalization, for example, Mr. Wang if his son insured "** medical insurance", the amount of coverage of 40,000 yuan, the annual premium of 990 yuan. Medical insurance benefits other than 4750 yuan (surgical fees, drugs, bed meals, hospitalization before and after the emergency room fees, etc.), no deductible, can be 100% compensation, can greatly reduce Mr. Wang's financial burden. If the child has an accidental injury fracture hospitalized, medical insurance outside of imported drugs, imported steel nails steel plate costs in the previous appendicitis surgery hospitalization benefits after the coverage of insurance can also be 100% compensation.