The full name of Xue Ping Insurance is "Ping An Insurance for Primary and Secondary School Students", which is a kind of personal accident insurance specifically for children. Scope of protection: it mainly includes accidental injuries, accidental outpatient service and hospitalization, and some of them also bear some major illness responsibilities, mainly to protect children's injury risks during school. In the past, the school will make it compulsory to buy, and after 20 15 years, it will be changed to voluntary insurance. Xue Ping insurance is the most extensive and universal child insurance. Xue Ping insurance generally covers the following points: 1. Accidental medical expenses reimbursement: physical education class falls, road traffic accidents, burns, animal bites and other accidents are covered. 2. Accidental personal reimbursement: there are basically accidents and accidental disabilities. The content of protection is that if a student or child is physically disabled due to an accidental injury, the insurance company should pay compensation for the losses caused by the accident or disability. 3. Reimbursement of hospitalization medical expenses: Students and children who are hospitalized due to illness can apply to the insurance company for claims as long as they are not covered by the exemption clause of the insurance contract. Xue Ping insurance is not a very standardized insurance. Different insurance companies develop different insurance products in Xue Ping. At present, there are many Xue Ping insurance products on the market, with different coverage and product liability. When you choose, you must first look at the scope of protection. Xue Ping insurance generally has the responsibility of accidental death and accidental disability. It would be better if you could reimburse unexpected outpatient service and hospitalization or seek medical treatment in spite of illness. In short, the wider the coverage, the more comprehensive the coverage. Secondly, look at the proportion of expense reimbursement. When choosing Xue Ping insurance, the higher the reimbursement amount, the better. The higher the reimbursement rate, the more compensation we can get. Finally, look at the deductible and choose the lowest possible one. Some Xue Ping insurances also have deductibles. Choosing 0 deductible is definitely better than choosing one with deductible. The lower the deductible, the more expenses will be reimbursed, so try to choose Xue Ping insurance with low deductible.