What is the risk of vaccination?

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Insurance suitable for pregnant women

1, maternity insurance

The so-called maternity insurance refers to a social policy that the state provides economic and material assistance to maternity workers through social legislation. The main welfare is to provide maternity allowance, maternity leave, medical services and other benefits for female employees who give birth, and to ensure the economic income and medical care of female employees during their childbirth. Maternity insurance benefits in China mainly include two items. One is maternity allowance, and the other is maternity medical care.

When a woman joins the job, the unit will insure her maternity insurance according to law. Maternity insurance/kloc-eligible for reimbursement after 0/2 months. After the child is born, it can be reimbursed within 0/8 months, and it needs to be re-insured. It should be reminded that maternity insurance is a local policy, and some places need to be reimbursed within 10 or 6 months, so the local social security center shall prevail.

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2. Women's main insurance

The biggest difference between women's critical illness insurance and general critical illness insurance and life insurance is that women's maternity is included in the scope of protection. Women's critical illness insurance is tailored for women. In terms of coverage, medical insurance for major diseases unique to women has been increased, such as breast cancer, ovarian cancer, cervical cancer and other diseases. And deleted the insurance function that is not applicable to women in the critical illness insurance. In addition, the premium is also lower than the general critical illness insurance.

Women's critical illness insurance is a kind of insurance suitable for all pregnant women, and it can also be purchased with additional reproductive health insurance for women. It can not only provide protection for pregnant women, but also provide protection for major diseases and specific operations of newborns.

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3. Maternal and child insurance

Maternal and child insurance is a kind of insurance that is guaranteed for both mother and baby. Within the scope of its protection, diseases or accidents during pregnancy, such as disseminated vascular coagulation, ectopic pregnancy, choriocarcinoma and malignant mole, as well as fetal congenital diseases, such as congenital hydrocephalus and cleft lip, are all included in the scope of protection. In addition to the above-mentioned pregnancy diseases and congenital diseases of newborns, many maternal and child insurance contents also include providing warm insurance benefits such as greetings to newborns.

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Problems needing attention in purchasing insurance for pregnant women.

1, cannot be insured after 28 weeks of pregnancy.

Generally speaking, the insurance threshold for pregnant women's insurance is higher, which is due to the higher health risks of pregnant women during pregnancy. At present, insurance companies basically do not accept policyholders who are pregnant for more than 28 weeks. Generally speaking, only applications for insurance under 28 weeks of pregnancy are accepted. For newly pregnant customers, it will take two months to accept the application for insurance for the time being.

At the same time, for the insured who is pregnant for less than 7 months, in principle, medical insurance, critical illness insurance insurance and accidental injury insurance are not accepted, but only ordinary life insurance which does not include the liability for insurance accidents caused by pregnancy, and a general physical examination is required when applying for insurance.

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2. The observation period cannot be guaranteed.

The observation period of maternity insurance is generally between 90- 180 days. During this period, if the insured has an accident, the insurance company will not pay. So after pregnancy, buy maternity insurance. After the observation period has passed, the child has been born, and the maternity insurance purchased cannot protect the accidents and diseases during pregnancy. Therefore, the original meaning of buying is lost.

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Step 3 insure before pregnancy

It is best to take preventive measures when handling maternity insurance, buy maternity insurance during pregnancy, and let the protection period cover pregnancy. Don't wait until you are pregnant to cram.

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Buying after pregnancy will lead to two results, one is that the choice of products becomes smaller, and the other is that the premium is more expensive. If you buy it in time, you may feel that the above guarantee period cannot cover pregnancy and waste money.