In Beijing, children don't need insurance when they go to primary school.

1, one old and one small insurance is not free, but paid once a year. Children generally declare at school, and the social security center automatically transfers money through the note bank card. Old and young are also called medical insurance, which is the medical insurance for urban and rural residents in Beijing.

Commercial insurance is absolutely necessary. One old and one small insurance, outpatient deductible line 100 yuan -500 yuan, according to different hospital levels, the reimbursement ratio is about 55%, and the cumulative amount is 3,000 yuan within one year. The threshold for hospitalization is 150-650, which also depends on the level of the hospital. The reimbursement rate is between 75% and 80%, with a maximum annual limit of 200,000.

3. For some minor illnesses, medical insurance will reimburse part and bear part. But for a serious illness, I don't want to talk about a 3000-yuan clinic. I'm afraid a cold will cost one or two thousand yuan now. If you are hospitalized, it is really a serious illness. The quota of 200,000 is really not enough. Moreover, it is not 100% reimbursement. If the expenses reach 200,000, and the tertiary hospital will report 75%, even if all expenses are within the scope of medical insurance (which is unlikely in general), then the medical insurance reimbursement150,000, you have to pay 50,000 yourself. The actual situation is that medical insurance can't report 654.38+0.5 million, because there are still many expenses that medical insurance can't afford, so I have to take more.

Imagine, for ordinary families, saving 50 thousand yuan is really not that easy. At present, the medical expenses of millions of commercial insurance are several hundred yuan a year, and the hospitalization expenses are more than 100 yuan. After deducting the deductible, it can be reimbursed both inside and outside the medical insurance as long as it is reasonable and necessary. These hundreds of dollars are still worth spending to deal with tens of thousands or even hundreds of thousands of risks.

4. The above is the reimbursement of medical insurance. There is also a critical illness insurance, which pays directly after suffering from a serious illness. Once suffering from a serious illness, it is a great blow to the family's economy and family spirit. Not just medical expenses. Adults may not be able to work at this point, and may have to take a vacation or even resign to take care of their children. Then this is the time when money is most needed, but without income, the whole family may fall into a further economic and spiritual blow. Critical illness insurance is a product that directly pays premiums after the diseases agreed in the insurance contract are confirmed or treated. At this time, the money can be used not only for medical treatment, but also for transportation, accommodation, nutrition, rehabilitation and other expenses when going out, at least to help families tide over the difficulties economically.

Therefore, when the economic conditions permit, it is strongly recommended that adults and children take out large-scale hospitalization insurance and critical illness insurance. It is also a good thing to use small money to transfer the major economic losses that may be encountered in the unpredictable future in peacetime, so that the whole family can feel more secure. If the economic conditions are poor, everyone can be insured for millions of medical care first, and the total amount for one year does not exceed 1000 yuan. Then you can choose consumer products to insure some critical illness insurance, and then gradually increase after the economic conditions improve.

It should be noted that the main earners in the family must be guaranteed, because the income end is very important for a family. Once something happens to the person who creates income, the whole family will fall into a huge crisis. Remember! ! !

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