则成 摄

Is taken into

　　姜宇欣

JiangYuXin

　　开学前的最后一周，很多家长都开始忙碌起来，忙着给孩子准备新学期的学习用品，准备各种学杂费，检查暑期作业。保险专家在此提醒：还有件重要的事情千万别忘记，那就是及时办理或续保少儿保险！

Before the start of the last week,A lot of parents began to busy,Busy to prepare children for the new term learning products,Prepare all kinds of miscellaneous fees,Check the summer homework.Insurance experts in this remind:There are important thing don't forget,It is seasonable conduction or renewal children's insurance!

　　三大少儿险保驾很重要

Three little danger position is very important

　　就像成人可以参保的社保一样，很多城市都为少儿提供福利性的保险保障，保费低廉，但保障程度高，实用性强，对孩子的医疗费用起着杠杆作用。就上海地区而言，最常见的少儿福利保险有三种，即少儿医保、少儿住院互助基金、学生平安保险（即“学平险”）。

As adults can ginseng as social security,Many cities to provide for children's welfare insurance,Low premium,But a high degree of security,practicability,To the child's medical expenses leveraged.Just as in Shanghai,The most common children's welfare insurance there are three,Namely children's health care/Children's hospital mutual funds/Students ping an insurance(namely"Learn flat risk").

　　少儿医保即城镇居民基本医保中覆盖中小学生和婴幼儿的部分，只需年缴费80元，即可按比例报销门急诊及住院费用。

Children's medical insurance namely urban resident basic medical insurance covered in primary and middle school students and part of the infant,Just years pay cost 80 yuan,Can submit an expense account according to the proportion of outpatient emergency care and hospitalization expense.

　　少儿住院互助基金主要针对住院期间发生的医疗费用，年缴费80元，入院时可免交50%预付金，出院时，若同时参加少儿医保，可报销的住院医疗费用先按少儿医保规定支付，余下部分由少儿住院互助基金支付。

Children's hospital mutual funds aimed at in-hospital medical costs,Years of pay cost 80 yuan,Admission omissible 50% imprest gold,When released from the hospital,If at the same time to participate in children's health care,Can submit an expense account to medical treatment of be in hospital cost according to the children's health care regulation pays,The remaining part of the children's hospital by mutual fund pays.

　　学平险是商业保险公司针对学生开发的低保费险种，通常是每年几十元的保费，保障范围覆盖因疾病或意外导致的身故或伤残，由意外导致的门急诊费用的报销以及对住院费用的补贴。

Learn flat risks is the commercial insurance company according to the development of students' low insurance premium,Usually each year dozens of yuan premium,The scope of protection cover for disease or accident cause of death or disability,The accident cause of this reimbursement of expenses and the hospitalization expense subsidy.

　　牢记四大要点保险买了不白买

Remember four points insurance bought not white buy

　　目前，很多家长都认识到这些少儿福利保险的重要性，积极参保。不过，有些事项如果不注意，可能会导致交了保费，却难以享受保障。中德安联保险专家李梦，就经常遇到向她诉苦的客户，对此，她特别提醒广大家长注意有四个要点：

At present,Many parents are aware of the importance of children's welfare insurance,Positive ginseng.but,Some matters if you don't pay attention to,May lead to pay the premium,But difficult to enjoy security.Sino-german allianz insurance experts LiMeng,It often meet the customer complaint to her,this,Her special remind the parents pay attention to have four points:

　　一、家有学龄前儿童，要主动投保：对于已经上学或入幼儿园的孩子，学校都会提示续保并代办这些福利保险。但对于0-3岁的孩子，家长则需要主动向街道所在的社保中心及社区卫生服务中心询问少儿医保和少儿住院互助基金的办理期限。少儿医保万一错过可以补办，但补交会有3个月的等待期也就是说，从补交日期开始的3个月后，孩子才能获得保障。而少儿住院互助基金每年只有一次办理机会，如果错过了，就不能再补办了。

a/The home has preschool children,To be active and insurance:To have to go to school or into the kindergarten children,The school will prompt renewal and agent these welfare insurance.But for 0 to 3 years old,Parents requires active into the streets in the social security center and community health service center ask children's health and children's hospital mutual funds for the period.Children's health care one thousand miss could be made up,But pay three months of waiting period that is,From the date of start pay after 3 months,Children who can obtain safeguard.And children's hospital mutual funds only once a year opportunity to deal with,If missed,Can't again fill do a.

　　二、有指定的医疗机构和报销范围。这三种保险的可报销范围皆为公费医疗部分，对于自费部分并不覆盖。所有费用报销均需在符合规定的医疗机构就诊，比如少儿住院互助基金，就只有在孩子所在区县的指定医疗机构就诊才能得到相应的报销。

two/Has a designated medical institutions and to submit an expense account range.These three kinds of insurance can submit an expense account range are medical treatment at public expenses part,For at one's own expense section does not cover.All expense which should be in accordance with the provisions of a medical institution,Such as children's hospital mutual funds,Only children in the districts and counties designated medical institutions to see a doctor to get corresponding to submit an expense account.

　　三、牢记不同报销方式。对于少儿医保和住院互助基金的报销，在就医时带好医保卡和互助基金医疗证，医院会进行相应结算；而学平险的理赔需要家长在发生意外或住院后尽快（最好在3日内）向保险公司报案。

three/Remember the different ways to submit an expense account.For children's health care and hospital reimbursement of mutual funds,When go to a doctor to bring in medical insurance card and mutual funds medical certificate,The hospital will carry on the corresponding settlement;And learn flat risk claims need parents in accident or as soon as possible after hospitalization(Had better be in 3 days)To the insurance company to report a case to the security authorities.

　　四、留意学平险的免赔期，避免保障真空。学平险属于商业保险，在购买保险后有90天的免责期，在此期间发生的医疗费用保险公司是不予理赔的。因此，学平险的按时续费非常重要，一旦中断，再次投保又会产生90天的免责期，导致保障真空。另外，不同保险公司的学平险，保障范围会有一定差异，需要仔细查看烫伤等一些常见的意外是否在责任范围之内。

four/Pay attention to learn flat risk franchise period,Avoid security vacuum.Learn flat risks belongs to the commercial insurance,When buying insurance after 90 days of exemption period,In this place during the medical expenses insurance company is not the claims.therefore,Learn flat risk renewal on time is very important,Once the interrupt,For again and will produce 90 days of exemption period,Cause security vacuum.In addition,Different insurance companies to learn flat risks,The scope of protection will have certain differences,Need to carefully check scald and so on some common accident is in the responsibility scope.

　　补充商业保险勿留保障缺口

Added commercial insurance not leave security gap

　　以上提到的福利性质保险为少儿提供了重要的医疗保障，那么是不是给孩子购买了以上保险，家长就可以高枕无忧了呢？其实不是。

What is mentioned above for children's welfare property insurance provides an important medical security,So isn't give children had bought the insurance,Parents can rest easy now?It is not.

　　李梦解释说，这些福利保险为少儿的日常医疗支出提供了基本保障，可一旦孩子生了大病，仅有这些保障是不够的。比如，有的孩子看病用了一些进口药，是无法报销的。因此，在家庭经济条件允许的情况下，为孩子补充重大疾病医疗险非常必要。

LiMeng explained,These welfare insurance for children's daily medical expenditure provides basic guarantee,But once the child gave birth to a serious illness,Only these security is not enough.For example,Some children with some JinKouYao to see a doctor,Is unable to submit an expense account of.therefore,In the family economic conditions allow,Supplement for children are major disease is very necessary.

　　以中德安联的产品为例，若一个父亲为2岁的儿子投保，选择超级随心两全保险（分红型）附加安康福佑长期重大疾病保险、安康关爱住院补贴医疗保险及投保人豁免保险费失能收入损失保险，那么首年缴纳保费3390元，缴费20年，就可让孩子从现在起至30岁都享有重大疾病30万-45万元【对于恶性肿瘤（不含白血病）以及白血病将额外分别给付20%和50%的重大疾病保额】的赔付，普通病房每天100元、重症病房每天200元的住院补贴，在儿子满30岁的时候还能获得78978元的满期生存金。此外，由于该款计划含有投保人豁免保费功能，若其父亲不幸身故或因伤残丧失了缴费能力，所有保障都将继续有效。

In sino-german allianz products as an example,If a father is 2 year old son insured,Choose super follow be satisfactory to insurance(Share out bonus)Additional health bliss long-term major disease insurance/Health care allowance of be in hospital medical insurance and policy-holder exemption insurance premium disability income insurance loss,So the first year pay insurance cost is 3390 yuan,Capture to expend 20 years,Can let the child from now on to 30 years old has serious illness 300000-450000 yuan[For malignant tumor(Does not contain the leukemia)And the extra payment of leukemia respectively 20% and 50% of major disease coverage]claims,The common ward 100 yuan every day/Severe ward every 200 yuan allowance of be in hospital,Son in full 30 years old still can obtain 78978 yuan of expiration survival gold.In addition,Because of this plan contains policy-holder exemption insurance cost function,If the father's unfortunate death or disability because of the loss of the ability to capture to expend,All security will continue to effective.