1. Xueping insurance is an insurance developed for primary and secondary school students, and its main responsibilities include accidental death and disability, accidental medical treatment (hospitalization and outpatient service), in addition, there may be hospitalization allowance and personal responsibility.

Note: School insurance is only reimbursed within the scope of social security, and the general limit is not too high, which is suitable for protecting minor illnesses caused by accidents. Serious diseases still require millions of medical care or serious illness insurance.

1. There are three main types of students' academic insurance:

1. The first is accidental personal insurance, including accidents and accidental disability, whose insurance responsibility is to pay disability insurance money when students and children (insured) are physically disabled due to accidental injuries;

2. Secondly, accidental medical treatment, including subsidies for outpatient and emergency expenses, covers a wide range, including falls, bumps, traffic accidents, gas poisoning, animal bites, burns and other accidents in physical education class.

3. Hospitalization medical assistance. If a child is hospitalized due to illness, as long as it is not exempted from limited liability, he can apply for compensation.

4. The full name of "safety insurance for primary and secondary school students" is a kind of group insurance, which belongs to personal accident insurance, and is an insurance aimed at the characteristics of primary and secondary school students. Students usually take out insurance voluntarily when they enter school. The insured only needs to pay a premium of tens of yuan to get a number of guarantees, which is a kind of insurance with universal coverage for children and adolescents. It is characterized by low premium and wide coverage, which is more suitable for underage students.

second, how to claim for school insurance?

report the accident or hospitalization to the insurance company within p>1.3 days; You can notify the agent or agent, or you can call the hotline directly and report the case online.

2.① When a child claims to be ill, the required procedures are:

1. Medical diagnosis certificate or discharge summary;

2. Original receipt of medical expenses;

3. Expense list and settlement details;

4. A copy of my ID card or household registration certificate;

5. Original insurance policy.

② When a child claims compensation for accidental injury, the required procedures are:

1. Medical diagnosis certificate;

2. Accidental injury certificate issued by relevant departments;

3. original medical expense receipt and prescription;

4. A copy of my ID card and household registration certificate;

5. Power of attorney of the person or guardian;

6. Original insurance policy.

3. How much can I claim for school insurance?

1. Different schools have different insurance clauses, and the specific insurance coverage and compensation ratio are also different. Generally speaking, the specific compensation ratio also depends on the hospitalization situation, and the general reimbursement ratio is about 2%-8%.

2. Generally speaking, the following situations can be reimbursed:

1. Hospitalization due to accidental injury, the reimbursement rate is as high as 8%;

2. If you are hospitalized, the reimbursement rate will shrink, and some of them have a maximum limit of 3, yuan;

3. If you are hospitalized due to disability or burn, the reimbursement rate is the lowest, and the general maximum amount is 2,.

4. The last thing to pay attention to is dentistry, plastic surgery, ophthalmology, etc. Usually free of charge. Specifically, the compensation clause in the school insurance contract shall prevail.

4. How many times can I claim for Xueping Insurance?

1. There is no limit on the number of times you can reimburse in one year, but there is an upper limit on the total amount of reimbursement. For example, the amount of medical reimbursement for one-year hospitalization is 2, yuan. After the reimbursement of many accidents reaches 2, yuan, Xue Ping Insurance will not reimburse hospitalization medical expenses, accidental injury reimbursement and accidental injury medical reimbursement. If an accident reaches the upper limit of reimbursement amount, the part that reaches the upper limit cannot be reimbursed after the accident.

4. Under what circumstances does Xueping Insurance not claim?

1. If the insured is out of danger due to illness during the waiting period, the exemption stipulated in the contract occurs, the insured is not confined to hospitalization, social security has been used for settlement, and the extra expenses exceed the insured amount. No claim will be made.