I want to give my baby the best, but I feel that my wallet is "thin" too fast.
Eat and drink Lazar and settle down. I'm afraid the child will get sick. It is said that children's medical insurance is good, and the hospitalization expenses of children's clinics can be reimbursed.
Children's medical insurance, do you want to buy it?
Let's talk together today.
First, how good are children's medical insurance and welfare? China's medical insurance is mainly divided into employee medical insurance and resident medical insurance. Among them, children's medical insurance belongs to residents' medical insurance, which is generally aimed at children under the age of 18.
It is very necessary to buy children's medical insurance. It has the following obvious advantages:
1, pay less
In many places, the annual payment of children's medical insurance does not exceed that of 500 yuan. For example, the payment standards for children's medical insurance in 202 1 first-tier cities are as follows:
Beijing: 325 yuan Guangzhou: 456 yuan Shenzhen: 4 16 yuan spends a small amount of money to do big things. Children's medical insurance can reimburse children's outpatient and hospitalization expenses, which is very practical.
2. No insurance restrictions, children's medical insurance and no health notification.
Don't ask about your child's health. Even if the child is ill, it can still be bought.
And as long as you continue to insure your children, you can get long-term and stable protection.
3. Outpatient expenses can be reimbursed.
Children are born with weak immunity, and colds and fever are also common.
If you encounter a problem that can't be solved by hundreds of dollars, such as pneumonia, the doctor will also recommend hospitalization, which is more convenient. In some places, children's medical insurance can reimburse outpatient expenses.
However, there are regional differences in the specific implementation policies of children's medical insurance, and there may be no outpatient reimbursement in some places. It is recommended to call the local social security bureau hotline 12333 for consultation.
Let's take the North, Guangzhou and Shenzhen as an example to see what the specific safeguard responsibility is:
For example, how to reimburse children's medical insurance?
Baby A in Beijing was hospitalized in a 3A hospital because of pneumonia, which cost 3,900 yuan, and there was 3,500 yuan in the medical insurance catalogue.
Reimbursement: (3500-650 )* 75% = 2 137.5 yuan. Self-paid expenses: 3900-2137.5 =1762.5 yuan. As can be seen from this example, children's medical insurance reimbursed more than half of the medical expenses, which reduced the burden on parents.
In addition, if you buy commercial insurance for your child, such as accident insurance and medical insurance reimbursement, you must basically go through medical insurance reimbursement first.
Generally speaking, as soon as a child is born, it is recommended to have a child health insurance.
Second, how to apply for children's medical insurance? The procedures for handling children's medical insurance in different places are not exactly the same, and they are roughly divided into offline and online processing methods.
Offline: You can go to the social security bureau or the street and other agencies to handle online: You can take Shenzhen as an example to see how newborn babies handle children's medical insurance through the operation of the social security bureau's official website or local government's app.
Step 1: Prepare the materials.
Identity information of children and parents, parents' bank cards, and receipts for taking photos.
Step 2: Register
You can register through the webpage, WeChat and offline social security bureau.
Let's talk about common website registration first:
Log in to Shenzhen Human Resources and Social Security Bureau's personal social security online service → handle life insurance management online → children are insured for the first time, and fill in according to the prompts. Step 3: Apply for a social security card.
Just bring your ID card, household registration book, birth certificate and receipt of your child's photo to the bank, and Shenzhen will get it as soon as possible.
For friends from other places, the materials for handling children's medical insurance are basically the same; If you are not familiar with the process, you can call the local social security bureau hotline 12333 for consultation.
Three. On the common problems of children's medical insurance, we have sorted out the following two points:
1. How can a child be insured without an ID card temporarily?
Parents can provide the insurance ID number first, which can be found in the child's household registration book.
2. Without a medical insurance card, how can a child be reimbursed for illness?
Children's medical insurance is provided for children, even if there is no medical insurance card, children's hospitalization expenses can be reimbursed.
After getting the medical insurance card, you can bring the relevant hospitalization invoice, discharge summary, detailed list and so on. Go to the medical insurance center for reimbursement.
Some regional hospitals also support leaving the hospital without settlement, paying the deposit first, and then getting the medical insurance card to go through the formalities of making up the account.
Fourth, write it at the end. As a national welfare, children's medical insurance is still very good.
However, the welfare of the country is "not guaranteed". If you want to give your baby more comprehensive protection, you still need a reasonable combination of commercial insurance.
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May all children in the world grow up healthily and safely:)