Hello, first take out the insurance policy and look at the guarantee responsibility. Accident insurance includes accidental medical insurance, which can reimburse medical expenses for treatment. Attention should be paid to treatment in secondary and above hospitals, and drugs in the social security catalogue should be used as much as possible. If there is an unexpected hospitalization allowance, it can also be paid on a daily basis according to the number of days of hospitalization. You can call the insurance company to report the case and collect the claim information during the treatment according to the customer service reminder. If there is a salesman service, you can also entrust a salesman to handle it. Children are small and the risk probability is high. I recommend it to you here:

"Ping An Baby" Children's Comprehensive Medical Insurance (Ⅱ) B Enhanced Edition

Applicable people: children aged 3- 18 who are vulnerable to various risks.

Product features: Covering 654.38+10,000 yuan of hospitalization expenses and major diseases.

Insurance liability: major illness, accidental injury, accidental medical treatment and hospitalization.