Medical insurance as an important supplement to children's i

Students and children belong to a special group of people who have no jobs. In medical care, they belong to socially disadvantaged groups. If a child is seriously ill, tens of thousands or even hundreds of thousands of medical expenses will make it difficult for ordinary working families to bear. In recent years, reports of incidents in which children suffer from serious illnesses and have a heavy financial burden on their families have often been reported. Poverty due to illness and illness due to illness have become a serious social problem. It is of great significance to establish a medical insurance system for students and children with major illnesses to solve the problem of children's difficult medical treatment and expensive medical treatment. City Students and children can participate in major illness medical insurance, which is very good news for parents. Kunlun Health Insurance Co., Ltd. recently launched the “Healthy Baocheng Residents Supplementary Medical Insurance (Children's Edition)” to further supplement the health risks of students and children. Parents can apply for “Kunlun Health Baocheng Resident Supplementary Medical Insurance (Children's Edition)” for healthy children who have participated in the basic medical insurance for local residents between 28 and 22 weeks. The insurance provides 90% of the inpatient medical expenses insurance premium after the medical insurance reimbursement, and 60% of the outpatient special illness medical expenses insurance premium after the medical insurance reimbursement balance. In addition to reimbursement of inpatient medical expenses, Kunlun Health Baocheng Residents Supplementary Medical Insurance (Children's Edition) will also include outpatient medical expenses for five special diseases in the scope of reimbursement. These five special diseases are: radiation therapy and chemotherapy for malignant tumors, renal dialysis, anti-rejection after renal transplantation, hemophilia, and aplastic anemia. Medical expenses stipulated in the scope of medical service facilities can be reimbursed as long as they meet the basic medical insurance and the catalogue of medical records and medical treatment items for major medical insurance for students and children. Case 1: Xiaohu this year, 5, her mother insured the “Kunlun Health Baocheng Resident Supplementary Medical Insurance (Children's Edition)”, the premium paid 725, the annual medical expenses insurance amount is 100,000. The naughty little tiger ran too fast on the way to school, accidentally fell, resulting in 14 days of hospitalization for leg fractures, and the mother paid a total of 15,000 medical expenses. Because Xiaohu has the medical insurance for children and children who are participating in the city, and also has the “Kunlun Health Baocheng Residents Supplementary Medical Insurance (Children's Edition)” guarantee, let us take a look at the medical expenses that Xiaohu’s mother actually paid for this accident: City students Reimbursement for medical insurance for children with major illnesses: (15000-650) × 70% = 10045 (The payment standard for medical reimbursement for children with major illnesses in urban areas is 650, and the reimbursement for part of the payment standard is 70%). Health Baocheng Resident Supplementary Medical Insurance (Children's Edition) reimbursement: (15000-10045) × 90% = 4459.50. The actual medical expenses paid by Xiao Hu’s mother: 15000-10045-4459.50=495.50. Case 2: When Xiaohu 8 was born, the mother continued to insure the “Kunlun Health Baocheng Resident Supplementary Medical Insurance (Children's Edition)”, the premium paid 268, and the annual medical expenses insurance amount was 100,000. Xiaohu was hospitalized for major illnesses, and her mother paid a total of 190,000 medical expenses. Under the rapid treatment and careful care of the mother, Xiaohu was discharged from the hospital and continued to go to school happily. Let's take a look at the medical expenses that Xiaohu's mother actually paid for the hospitalization of Xiaohu's major illness: City student child's major illness medical insurance reimbursement: (190000-650) × 70% = 132545 (The starting standard for medical student reimbursement for urban students is 650, part of the payment standard is reimbursed 70%). Health Baocheng Resident Supplementary Medical Insurance (Children's Edition) reimbursement: (190000-132545) × 90% = 51709.5. The actual medical expenses paid by Xiao Hu’s mother: 190000-132545-51709.5=5745.5. Through the above cases, parents can easily see that the “Kunlun Health Baocheng Residents Supplementary Medical Insurance (Children's Edition)” can supplement the student and child medical insurance well, and control the medical expenses of accidental disease risks during the child's growth to a minimum. Therefore, more funds can be used for the education of children.