In 2007, the city, the city, and other cities began to implement the children's medical insurance policy. Since this year, the city will also step into universal health insurance, and students and children can enjoy government subsidies for medical treatment. The children's medical insurance policy that has been implemented or is being implemented will gradually change the situation of “children's protection absent” in the past medical insurance system, and also let the parents eat a “reassuring”. However, the fact that children's medical insurance is no longer "absent" is not the same as the guarantee is sufficient. According to the implemented child health insurance policy, the medical insurance provided by the state to the children can only solve the most basic and partial medical expenses for children. We should not take care of the child's medical care. We should consider supplementing the medical expenses that cannot be reimbursed by social medical insurance through commercial medical insurance, or obtaining higher-level medical insurance by purchasing payment-type commercial child medical insurance. Insufficient social security protection Due to the nature, the government's medical insurance for children is very low, and can only provide parents with the most basic and partial medical expenses for children. Taking the government's medical insurance system introduced last year as an example, the annual payment is 75. After the insured, the basic medical expenses for hospitalization and major outpatients can be reimbursed. The maximum protection is 200,000, and the amount is not small. However, the reimbursement rate below 5000 is only 75. %, the fee of 200,000 can be reimbursed 90%, and the annual maximum payment is 200,000. The introduction of the child health insurance system is: an individual annual payment of 50, when the claim, the threshold is 650. The above payment standard is paid by the Student and Children's Major Medical Insurance Fund by 70%, and the maximum amount paid in a medical insurance year is 170,000. It can be seen that with the promotion of the children's medical insurance system, the medical security of children is no longer "absent", but the problem of insufficient protection still exists. Therefore, parents with certain financial capabilities should still consider making medical insurance for their children by purchasing commercial medical insurance. According to reports, during the child's growth process, there are mainly two types of medical risks. Correspondingly, parents have two types of medical expenses that need to be considered. One is the medical expenses incurred by hospitalization for minor illnesses on weekdays, and the other is the higher medical expenses incurred by children suffering from major diseases. For the two kinds of medical expenses, for the former, parents can consider making up for the expense-based or subsidized hospitalization medical insurance; for the latter, they can consider making up for the major illness insurance for children. Whether there is any social security insurance coverage is different. In general, parents can be insured according to their own economic ability, in accordance with the first hospitalized medical insurance and the subsequent major illness insurance. Before 6th, the child's resistance was weak, and the probability of hospitalization for minor illness was relatively high. Therefore, it should focus on the purchase of the expense-based hospitalization insurance. If the budget is sufficient, you can also add a hospitalization allowance insurance to make up for the delays in the work of parents to take care of sick children. Nowadays, children’s activities are becoming less and less, and as they get older, the risk of major diseases is gradually increasing. In the case of economic conditions, parents should also timely supplement the major illness insurance for children on the basis of hospitalization medical insurance. However, for parents who have enjoyed or can enjoy basic medical insurance for children, the insurance policy is to focus on insurance-based medical insurance or on the basis of a small amount of hospitalized medical insurance to cover the lack of social security. Major illness insurance. Insurance experts suggest that fee-based inpatient medical insurance coverage is generally 30,000, and parents who have not yet received basic medical insurance for children can use this as the basic insured insurance-type inpatient medical insurance. For parents in the region, because basic medical insurance can be reimbursed 70%, if the insurance company is insured for children's hospitalization insurance, the basic insurance amount is about 10,000. The clearer the medical expenses, the better. For the insured children's hospitalized medical insurance, the three aspects of protection, price and claims are comprehensive. From the price level, it is impossible to judge the quality of the products. For example, some insurances that are relatively cheap may have more restrictions in the deductible regulations. In addition, when purchasing, you should pay special attention to the details of the payment terms, such as the specific way to understand the insurance claims limit, some insurance types not only stipulate the maximum claim limit, but also have a limit for each item claim; The proportion of reimbursement for the total cost stipulated by the specific insurance. In particular, it should be noted that the cost of hospitalization generally includes several major items: medical expenses (including non-self-paid drugs and self-paid drugs), inspection fees, bed fees, meals, surgery fees, etc. Some children's medical insurance can be reimbursed for medical expenses. The upper limit setting is relatively high, which seems to be very attractive, but the supplement of other expenses may be insufficient. Therefore, when parents apply for insurance-type insurance, they should avoid choosing products that are too general for reimbursement. It is best to purchase medical products and insurance products that are separately stated in the reimbursement ratios including inspection fees, bed fees and other expenses. For the insurance for children with major illness insurance, it should be noted that at present, there are certain differences in the types of diseases that can be covered by major insurance companies in major insurance companies. Some can cover more than 30 diseases, while others can only protect several types. More than a dozen. When parents choose, they should pay attention not to simply count the types of diseases that can be guaranteed, but to pay more attention to which diseases can be protected. Because the insurance coverage for major illnesses that cover a wide range of diseases is usually high, insurance coverage for diseases with a low incidence is often just a waste of premiums. It is understood that there are about 10 common childhood diseases, such as malignant tumors (including leukemia), severe burns, and encephalitis. Among them, it is particularly important to note that the selected children's major illness insurance must provide a relatively comprehensive guarantee for leukemia, and some insurance companies' children's major illness insurance will pay an additional 30% of insurance premium for leukemia. The data show that leukemia is at the forefront of the incidence of malignant tumors in children. The incidence of children under 15 is about 100,000, accounting for 35% of all malignant tumors in this age group, especially children with 2 to 7.