3 types of health care insurance for children that parents should know
Referring to health insurance for children, many people immediately think of the state health insurance. But the market also has health insurance, life insurance offers the best medical treatment benefits.
Understanding the characteristics and benefits of each type of insurance with health care services will help parents easily choose the insurance package that meets their children's health care needs.
1. Health insurance
Health insurance is one of the types of insurance organized by the State to support medical examination and treatment expenses and within the permitted scope. This is an insurance product for all subjects, especially the State has a regime to support the payment of health insurance premiums for a number of priority subjects, including children under 6 years old and pupils and students. For children under 6 years of age who are granted free health insurance cards and parents only need to bring the child's birth certificate to the People's Committee of the commune, ward or township to register for health insurance. For children starting school, as students, students will be partially supported by the State when buying health insurance at educational institutions.
Children with health insurance cards when going for medical examination and treatment at medical examination and treatment establishments at commune, district or provincial or central levels under the Health Minister's regulations are entitled to 80% support - 100% if on the right route, and if the off-line is supported from 40% -100% of the cost of inpatient treatment according to the latest regulations.
In addition, parents should be aware of cases in which they are not entitled to health insurance when providing medical care for children, for example medical examinations, nursing, convalescence and use of alternative medical supplies including dentures and glasses. eyes, hearing aids, artificial limbs, artificial eyes, ...
2. Health insurance
Health insurance is also a package of health care and cost support in case of risk of illness, illness, accident ... and is purchased in a voluntary form. This type of insurance is provided by non-life insurance companies, so parents should consider buying a priority for their children. The cost of insurance is much higher than buying health insurance, but the benefits received are similar.
Parents can be assured of the benefits of medical examination and treatment for their children with the following benefits:
Get support for actual treatment costs or up to hundreds of millions and unlimited number of days in the hospital
Get medical examination and treatment at the most prestigious hospitals in the country, or foreign hospitals, depending on the package you buy
Some products are free of charge for routine checkups and vaccinations
Support for cancer treatment, surgery, ambulance, rescue, transportation, organ transplant, day treatment
Guaranteed hospital fee (medical examination without cash)
The large amount of allowance when unfortunately children die helps parents overcome difficulties
In addition, parents may choose to provide their children with outpatient treatment and dental care
Transparent, fast and accurate claim, easy and convenient registration procedure.
However, when buying health insurance for children need to buy with parents. Parents should also consider choosing a health insurance plan that suits their family finances and health care needs. Because the policy period is only 1 year (12 months), unused insurance benefits will be lost and premiums will not accrue.
3. Life insurance
Life-saving insurance for children with the main purpose is to prevent risks and create educational funds for children when they go to college / graduate school / study abroad. However, in a main insurance policy, parents can participate in additional health care insurance packages for children to best support the cost of medical care. This is a parent insurance product, so it is a top choice for children, because parents easily accumulate small monthly payments into the life insurance company's financial fund. At that time, you will have health insurance benefits to protect against risks of accident, injury, sickness, serious illness .... along with academic benefits when attending college or a career.
Besides, when participating in health care insurance, children will receive preeminent medical treatment benefits such as:
Backed to the cost of inpatient and outpatient treatment up to hundreds of millions of dollars, dental care with actual costs
Support for surgery, cancer treatment, organ transplant, ambulance expenses ...
Guaranteed hospital fees at major hospitals in the country and abroad
The process of compensation procedure is quick, online
Moreover, the financial support benefits and free insurance policy for children when parents are unfortunate risks.
Refer to Life Wings Future baby's life insurance package to give your child a bright future!