How to buy medical insurance for rural children?

As many people know, we should all apply for a medical insurance for our children, and rural children can also apply for a children's medical insurance. Let's see how to buy medical insurance for rural children. How to buy rural children's medical insurance First of all, I seriously recommend the medical insurance for urban residents, and pay it to 40 yuan every year and handle it in the street office. This kind of nature is just like us adults ... If you want to know more about how to buy medical insurance for rural children, then take a look with me.

First, how to buy medical insurance for rural children

First of all, I seriously recommend medical insurance for urban residents, paying 40 yuan a year and handling it in the street office. This nature is like social security for us adults. Whether to buy commercial insurance or not is affordable for every family in 40 yuan. Therefore, this is a necessary guarantee for babies. It is best for newborns to apply in the same year and take effect the next month. If you can't, you can only wait until the fourth quarter of next year (10-12), and you can enjoy medical insurance benefits next year.

Secondly, those who have the conditions or are more discerning and are willing to plan their family finances reasonably can choose appropriate commercial insurance. The reason why family finance is planned reasonably is because children have weak resistance in childhood, and there is indeed a serious health crisis in food now. In addition, it is inevitable that children will be naughty and cause some bumps. In this way, there will always be a family medical expenditure, and the purpose of choosing commercial insurance is to pass this family medical expenditure on to the * * group at a small cost.

Everyone is more concerned about whether the outpatient service can be reimbursed. It seems that everyone is quite clear about hospitalization insurance. In fact, the fact is that almost all life insurance companies are divided into outpatient and inpatient medical insurance types. It's just that when you choose to buy, whether the insurance company staff clearly States the insurance liability and specific protection matters.

Second, the role of children's medical insurance

Although the coverage of medical insurance policy has been gradually improved in the process of reform, children have been included in the basic medical insurance in many areas, but the principle of "low security and wide coverage" of social medical insurance determines its characteristics of many protection restrictions and small coverage of drugs, especially all kinds of new diagnosis and treatment methods and new specific drugs, which are not only very expensive, but also belong to the category of self-financing

What is even more worrying is the uneven distribution of medical resources in China. Urban hospitals with high medical level often have the dilemma of "one bed is hard to find". Poor hospitalization environment and complicated reimbursement procedures for medical treatment all make people exhausted when they seek medical treatment.

On the other hand, children's immune system is not yet strong and their resistance is low. Compared with adults, they are more likely to be infected by germs. Moreover, the child's organ function has not yet developed well, and its adaptability is poor, which is the high incidence stage of the disease. Especially children aged 0~6 are prone to some minor illnesses, such as colds, coughs, pneumonia, bronchitis and so on. And the risk of hospitalization is also high.

In addition, children naturally like to explore the world, but they don't know that accidents often happen like this. Sometimes, despite minor injuries and bumps, due to the low resistance of children, there are many cases of cross-infection or other diseases, and the hospitalization and treatment costs are also high.

In view of these circumstances, in order to make up for the shortage of social security and strengthen the level of children's medical security, it is necessary for parents to increase the necessary children's medical insurance to ensure the healthy growth of their children.