maternity insurance
According to relevant laws and regulations, China's maternity insurance benefits mainly include two items: one is maternity allowance, which is used to protect the basic needs of female employees during maternity leave; The second is maternity medical care, which is used to ensure the basic medical care needs of female employees during pregnancy, childbirth and birth control surgery.
Such insurance benefits have undoubtedly built a protective wall against economic losses for women of childbearing age. However, because the scope of social maternity insurance is still at the basic level, the basic risk protection for mothers and babies is insufficient; At the same time, the target is mainly the working people, and rural women still do not enjoy maternity insurance. In fact, the female workers in cities and towns in China are not completely covered by maternity insurance. For example, urban female workers, domestic nannies, hourly workers, temporary workers and part-time workers who are employed in an informal way. , basically do not enjoy social insurance, including maternity insurance. Therefore, it is not enough to rely solely on the national social maternity insurance for maternal and child protection.
Now many commercial insurance companies have introduced maternity insurance, which can be said to be an important and beneficial supplement to China's maternity insurance system. Maternal and child insurance usually provides certain insurance benefits for pregnant women's pregnancy diseases, childbirth death, fetal or neonatal death, neonatal congenital diseases or some specific operations, and these protection contents are increased or decreased in different insurance clauses.
At present, there are two main forms of maternal and child insurance introduced by commercial insurance companies, namely, additional maternal and child insurance and main insurance maternal and child insurance. The responsibilities of the two forms of maternal and child insurance are similar, but the restrictions on the insurance period and insurance age are different. Additional maternal and child insurance is usually added after women's health insurance or life insurance, and the insurance period and payment period are relatively long, and the age limit for insurance is relatively small; The maternal and child insurance of the main insurance can be insured separately. Pregnant women are the first insurer and newborns are the second insurer. The insurance period is generally short, and the common period on the market is 1-6 years.
Because the risk probability of pregnant women is much higher than that of normal people, insurance companies have strict requirements for pregnant women. Maternal and child insurance, the main insurance, generally requires the insured to be between 18-40 years old and pregnant for less than 16 weeks (there are also 28 weeks in the market), and requires the expectant mother to have legal birth conditions and a birth permit. The age of additional maternal and child insurance is generally limited to 45 years old, that is to say, it is difficult for elderly women over 40 years old or expectant mothers who are pregnant for more than 4 months to buy maternal and child insurance. At the same time, the additional insurance maternal and child insurance generally has an observation period, while the main insurance maternal and child insurance generally does not have this provision.
If you only consider buying insurance from the perspective of maternity protection, then the main insurance maternal and child insurance is undoubtedly a better choice. But at present, only two or three companies in the market have introduced maternal and child insurance as the main insurance. For example, Great Wall Insurance's "Love Dependence" maternal and child insurance can be applied to pregnant women aged 65,438+08 to 45 and under 28 weeks, which is not only less stressful, but also covers the responsibilities of women's specific pregnancy diseases, childbirth death, neonatal congenital diseases, neonatal death protection, etc., and is closer to the needs of the people in similar products in the market.
Enjoying social maternity insurance benefits reflects the national government's concern and attention to women. It should be a wise choice to buy a suitable commercial maternity insurance for yourself before or during pregnancy.
How to buy maternity insurance for women?
At present, China implements family planning, and many families have only one child. Therefore, customers often pay special attention to women's maternity insurance when consulting insurance. I want to share this topic with you today.
First of all, it should be emphasized that social security is the foundation and commercial insurance is only a supplement. For example, in Shanghai, the city where I live, if I can participate in urban social security, I am advised to do it first. According to the policies of medical insurance and maternity insurance, I can bear the maternity expenses, abortion allowance and salary during maternity leave (I won't elaborate here because of different local policies), and improve the commercial insurance on this basis.
Mothers who are pregnant soon can apply for traditional insurance ~ life insurance, health insurance and accident insurance, and pay attention to insurance liability and exemption clauses. In the process of insurance, the insurance company will ask for supplementary pregnancy test information. If it is safe, it can be underwritten normally, otherwise it will be postponed. Most products generally start at 28 weeks of pregnancy and no longer accept insurance. It is recommended to wait until the baby is born before applying.
Female-specific maternity insurance includes: one-year maternity insurance, female return critical illness insurance, and high-end VIP medical care.
1) One-year maternity insurance product
Great Wall, Kunlun Health, PICC Health and other companies have similar products.
Take Lin Kang Women's Pregnancy Insurance of Kunlun Health as an example. The amount of protection for 30-year-old women is 6.5438+10,000 yuan/year (renewable).
Insurance benefits are as follows:
1, pregnancy sickness insurance
Pay 30,000 yuan to women who are diagnosed with pregnancy disease for the first time and still live for 30 days after diagnosis.
2. Newborn congenital disease insurance.
Diagnosed with congenital diseases of newborn listed in this contract, pay 30,000 yuan.
3. Specific early childbearing insurance.
If the newborn is diagnosed as premature and is a specific premature baby as defined in this contract, it will pay 8000 yuan.
4. Specific abortion care insurance.
If it is diagnosed as spontaneous abortion, and it is a late spontaneous abortion as defined in this contract, it will pay 2000 yuan.
5. Death insurance during childbirth.
Died in childbirth. Pay 30 thousand yuan
There are six kinds of pregnancy diseases: eclampsia, disseminated intravascular coagulation, complete uterine rupture, ectopic pregnancy, benign mole and malignant mole.
Congenital diseases of newborns are 1 1: spina bifida or fissure, tetralogy of Fallot, Down syndrome, esophageal atresia/tracheoesophageal leakage, congenital hydrocephalus, congenital absence of both limbs, cleft lip and palate, anal atresia, patent ductus arteriosus, atrial septal defect and aortic displacement.
Compared with the latter two products, these products can be insured during pregnancy. Need to be reminded that there are some differences in insurance time, waiting period and insurance liability among different types of insurance. Please pay attention.
2) Women's critical illness insurance
China Life Insurance, Zhong Yi, Hong Zhong and Xintai all have similar products. According to the situation of women, the protection of special site surgery, accidental plastic surgery, abnormal pregnancy and congenital diseases of newborns has been increased.
Take the annual Ankang old-age security (dividend-sharing type) of Sino-Italian Life Insurance as an example,
30-year-old female 65438+100000 yuan, and the insurance premium is 4430 yuan/year for 20 years.
Insurance benefits are as follows:
1. Survival money:
1. 1 non-life-threatening cancer care fund:
Under the age of 70 (waiting for 90 days and surviving for 30 days), an extra 20,000 yuan will be paid.
(1) carcinoma in situ;
(2) Chronic lymphoblastic leukemia corresponding to stage A of Binet staging scheme;
(3) Hodgkin's disease equivalent to AnnArbor stage I;
(4) Skin cancer (excluding malignant melanoma and metastatic skin cancer);
1.2 nursing fund for loss of independent living ability:
Under the age of 70 (waiting for 90 days and surviving for 30 days), if you lose three or more of the six basic activities of daily life, you will be paid an extra 20,000 yuan.
(1) Dressing: You can dress and undress yourself;
(2) moving: moving from one room to another;
(3) Action: get on and off the bed or get on and off the wheelchair by yourself;
(4) Go to the toilet: control yourself to urinate;
(5) Eating: take food out of the prepared bowl or plate and put it in the mouth;
(6) Bathing: shower or bathe yourself.
1.3 Care about physical examination:
From the second policy anniversary date, 500 yuan will be paid every 1 year until the insured reaches the age of 98.
1.4 cash reward:
During the validity period of the policy, you can enjoy cash bonus every year;
1.5 birthday bonus:
If you live to 70 years old, you will pay 50,000 yuan for your birthday, and the basic insurance amount will be adjusted to 50,000 yuan.
1.6 due date:
After 99 years of age, the annual payment of the policy is 50,000 yuan.
2. Women's sickness insurance:
2. 1 Two female-only operations:
Under 70 years old (waiting period is 90 days), the extra fee is 1 ten thousand yuan.
(1) Hysterectomy (2). Total mastectomy
2.2 Accidental facial plastic surgery:
Under the age of 70, an extra 20 thousand yuan will be paid according to the actual necessary and reasonable operation expenses.
3. Maternity insurance: (waiting period 10 month)
3. 1 Four pregnancy complications: pay an extra 20,000 yuan.
(1) disseminated intravascular coagulation (2) ectopic pregnancy (ectopic pregnancy) (3) choriocarcinoma (including hydatidiform mole)
(4) Severe pregnancy-induced hypertension syndrome (preeclampsia and eclampsia)
3.2 Eight kinds of neonatal congenital diseases: an extra 40,000 yuan.
(1) spina bifida (2) tetralogy of Fallot (3) Down syndrome (2 1 trisomy syndrome or congenital idiocy)
(4) Esophageal atresia and esophagotracheal fistula (5) Loss of both limbs (6) Cleft palate with cleft lip.
(7) Patent ductus arteriosus (PDA)(8) Complete dislocation of great vessels
4.35 kinds of major diseases to pay insurance money in advance:
The waiting period is 90 days, the insured amount is 654.38+10,000 yuan (before the age of 70), and the policy will be terminated after payment;
Pay 50,000 yuan (after 70 years old), and the policy will be terminated after payment.
1. Malignant tumor 2. Acute myocardial infarction. Sequela of apoplexy 4. Major organ transplantation or hematopoietic stem cell transplantation
5. Coronary artery bypass grafting. End-stage renal disease (or uremia stage of chronic renal failure) 7. Multiple limb missing 8. Acute or subacute severe hepatitis 9 benign brain tumor 10. Decompensated phase of chronic liver failure 1 1 encephalitis sequela or sequelae of meningitis 12. Deep coma 65438+.
16. Heart valve surgery 17. Severe Alzheimer's disease 18. Severe craniocerebral injury 19. Severe Parkinson's disease 20. Severe third-degree burn 2 1. Severe primary pulmonary hypertension. Severe motor neuron disease 23 language loss 24. Severe aplastic anemia. Aortic surgery 26. Multiple sclerosis 29. Human immunodeficiency virus (HIV) infection caused by occupational relationship. Severe ulcerative colitis 3 1. Systemic lupus erythematosus. Severe rheumatoid arthritis. Systemic myasthenia gravis Polio 34. Human immunodeficiency virus infection caused by blood transfusion. Severe Crohn's disease.
5. Disability insurance premium paid in advance:
If the agreed total disability occurs before the age of 60, the insured amount of 1 1,000,2,000,70,000 will be paid in advance in three times within two years.
6. Free of insurance premium:
If there is an agreed total disability before the age of 60, the premium can be exempted during the disability period;
7. Death insurance:
7. 1 Death under 70 years old, compensation 1 ten thousand yuan.
7.2 70-year-old has died and paid 50,000 yuan.
This kind of products usually have a long waiting period for the reproductive part (this waiting period is 10 month). Customers who need to buy should be insured in advance.
3) VIP medical treatment
Compared with the first two kinds of insurance, this kind of products are more expensive and suitable for high-income families to buy.
The maternity part is additional insurance, and the main insurance includes outpatient and hospitalization insurance, which needs to be purchased in combination, with a total insurance coverage of tens of millions of yuan per year.
Some companies accept individual insurance, while others can only participate in group insurance (generally more than five people).
Because the flexibility of product selection is relatively high, it is not convenient to explain it with specific products here.
When choosing such products, apart from understanding the insurance liability and exemption clauses, please focus on the following aspects, which will affect the premium:
1. According to the regional classification, Chinese mainland Plan/Global Plan/Global Plan (excluding the United States and Canada) can be selected according to the demand.
2. Some products have different levels of packages to choose from in the same area, so you can set your own deductible.
3. Hospitals can be selected for some products: for example, in the Chinese mainland Plan, domestic 3A hospitals/domestic private hospitals for general practice (such as United Family)/special needs clinics are selected respectively.
Friendly reminder:
The waiting period for childbirth is mostly 10 month, so it usually takes two years to enjoy this benefit. Customers who need to buy, please insure in advance.
The above is only a comprehensive introduction to maternity insurance for women. The choice of insurance needs to be combined with the situation of each family, and the fitness is the best.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.