Insurance companies eyeing the two child market, two child insurance covers the risk of birth and Ba-ca1871

Insurance companies eyeing the two child market, two child insurance covers birth risk and baby disease insurance companies eyeing two child market! Two treasure the mother to buy insurance in the new express reporter Li Chiwen Liao Muxing with the two child policy fully liberalized, many industries are on the "two children" business, the insurance industry is no exception. Unlike traditional maternity insurance, special insurance with "two children" words tend to be more health care, and maternal age to 45 years old, the time can protect freedom of choice, enough to see this product is designed for older women tailored. Of course, only medical care is not enough. Pregnancy risk is not without disease guarantee. With children born and raised, family parenting pressure will also become heavier, conditional families might as well put education insurance also configured. A product profile customized "second child insurance", covering the risk of birth and baby disease, in order to split two child market, domestic insurance companies joint third party platform action. Recently, to earn money Jun understand, China insurance network joint Yongan Property Insurance launched a "second child insurance", specifically for pregnant women two children to provide pregnant medical insurance. Looking for product information, the "second child insurance" designed 4 sets of security plan, the corresponding premium is divided into 200 yuan, 450 yuan, 600 yuan and 1000 yuan, basically covering the risk of maternity and neonatal disease protection, product underwriting is Yongan property insurance. The grade of 600 yuan as an example, the content of security including pregnancy complications hospitalization (including fetal abnormalities surgery), neonatal intensive medical treatment, hospitalization and surgery in severe infantile congenital malformation, pregnancy before death, two security coverage were 10 thousand yuan, 100 thousand yuan. The term "pregnancy complications" refers to the symptoms caused by pregnancy, including but not limited to pregnancy induced hypertension syndrome, placental abruption, placenta previa and so on. It is worth noting that "pregnancy complications" do not include unexpected abortion, voluntary termination of pregnancy and so on. In neonatal care, these products prescribed 30 days after birth, neonatal, if the occurrence of severe hospitalization or surgery medical conditions, the insurance company will have to corresponding expenses occurred in the 30 days of medicine, neonatal care and bath expense is not within the scope of protection. B product analysis, "second child insurance" progress? The age of the insured is relaxed, and before the launch of the "second child insurance", there are already a lot of similar maternal and child protection products in the market. According to the money Jun comparison, "child protection" is mainly for medical security, but the traditional maternal and child insurance is more biased in favor of disease protection, of course, there are some security is the two cross, such as liability for death. Whether it is "new" push "second child insurance", or traditional maternal and child health insurance, its guarantee period is a year. However, in the Taobao platform, China Life launched a premium for 800 yuan to 2300 yuan of "long-term maternity insurance, guarantee the amount of 100 thousand yuan (severe illness or death). From the point of view, it is similar to the "second child insurance", but the "long-term maternal and child insurance" has long been discussed

险企盯上二孩市场 二胎保涵盖生育风险与宝宝疾病   险企盯上二孩市场了! 准二宝妈们快把保险买起来   ■新快报记者 李驰 文 廖木兴 图   随着“二孩”政策全面放开,不少行业都紧盯“二孩”商机,保险业也不例外。   与传统的母婴保险不一样,带有“二孩”字眼的专门保险更加倾向于医疗保障,而且将孕妇的投保年龄提升到了45岁,起保的时间可以自由选择,足以见得这款产品是专门为高龄孕妇专门定制的。   当然,仅仅只有医疗保障是不够的,孕期风险固然少不了疾病类保障。随着小孩出生长大,家庭养育压力也会变重,有条件的家庭不妨把教育金保险也配置上。   A 产品概况   定制“二胎保” 涵盖生育风险与宝宝疾病   为了分食二孩市场,国内保险公司联合第三方平台有所动作。   近日,赚钱君了解到,中民保险网联合永安财险推出了“二胎保”,专为备孕二孩的女性提供孕育医疗保障。赚钱君查阅产品信息发现,“二胎保”设计了4套保障计划,对应的保费分为200元、450元、600元和1000元,基本涵盖了孕妇的生育风险以及新生儿疾病保障,产品承保方是永安财险。   以600元档次为例,其保障内容包括妊娠并发症住院医疗(含胎儿发育异常手术治疗)、新生儿重症住院及手术医疗、婴儿严重先天畸形、妊娠身故,前两项保障的保额分别是1万元、10万元。保险公司在释义条款中指出,“妊娠并发症”是指由妊娠引发的症状,包括但不限于妊娠高血压综合征、胎盘早剥、前置胎盘等。值得注意的是,“妊娠并发症”不包括意外流产、自愿终止妊娠等情形。   在新生儿疾病保障方面,上述产品规定,新生儿出生后30日内,如果重症住院或手术医疗等情况发生,保险公司会对在该30日内发生的医学必需的相应费用,新生儿护理、洗澡等费用不在保障范围内。   B 产品分析   “二胎保”进步在哪里?投保人年龄放宽了   在“二胎保”推出之前,市场上其实已经有不少类似的母婴保障类产品。据赚钱君对比,“二胎保”主要是针对医疗保障,而传统的母婴险则更偏向于疾病保障,当然二者之间也有一些保障是交叉的,如身故责任。   无论是“新”推的“二胎保”,还是传统的母婴险,其保障期都是一年。   不过,在淘宝平台上,中韩人寿则推出了一款保费为800元到2300元的“长期母婴保险”,保障额度为10万元(重疾或身故)。从额度上来看,它与“二胎保”差不多,但“长期母婴保险”却有长达20年保险期间,且母婴同保,孕产妇流产、引产也在保障范围内。   实际上,“二胎保”也有进步之处,其规定的投保人群是“年龄45周岁以下的女性”,而此前的母婴险投保年龄上限多为35岁到40岁,前述“长期母婴保险”的上限也是40岁。   不存在保险空窗期,趁月份还小及时投保   在投保环节,“二胎保”规定投保人可以自己选择保单生效的时间。传统的母婴险也是如此,产品的保险期间可通过投保人和保险公司双方共同约定。通常是从收到保费的次日开始保障,直至产后的7天、15天或30天,一般不存在“等待期”这个“保障时间盲点”或称“保险空窗期”的问题。   “二胎保”对被保险人有一定的限制,其适合的人群是“身体健康,生育一胎后第二胎妊娠14周以下的”。所以,怀孕的周数是一个很关键的问题,如果过了这个期间,那就无法投保了。   另外,根据赚钱君查阅到的母婴险,均有这样一条规定,“本产品针对已怀孕且孕周小于28周并且孕期检查无异常人群。”简单来说,怀孕满7个月后,保险公司将无法承担母婴保障。   赚钱君从业内了解到,“超过规定的怀孕周数,保险公司原则上只会受理不包含怀孕引起的保险事故责任的普通寿险,而且在投保时要进行身体检查。对于正准备生孩子的家庭来说,如果觉得怀孕期间有保险需要,最好在计划生育期,也就是受孕之前就考虑到投保事宜。”   C 投保攻略   先关注成长风险再考虑教育   除了生育风险,“二孩”出生后家庭可能还要承担子女养育责任,有父母期望依靠保险做财务规划。   从广义概念看,教育金保险也属于“二孩险”,一般少儿保障计划都含该保障,小孩在不同成长阶段会有对应保险金。赚钱君找到了一款两全保险(分红险),其保障为4项,分别是高中教育保险金、大学教育保险金、满期生存保险金和身故保险金。   上述产品规定,家长可在孩子15、16、17周岁的保单周年日,连续3年领取基本保险金额20%的教育保险金;在18、19、20、21周岁的保单周年日,连续4年领取教育保险金,具体金额为基本保险金额的40%。   市场上销售的教育金保险,除了初中、高中和大学几个时期的教育基金以外,还有创业基金、婚假基金等等。险种五花八门,但不可盲目投保。业内人士表示,“少儿期易发的风险应该最先投保,家长给孩子投保没必要一次性买全。为孩子购买保险的顺序应是:意外险、医疗险、少儿重大疾病保险。在这些保险都齐全的基础之上,再考虑购买教育金保险。”   ■知多D   流产导致的身故属险外责任   在妊娠身故保障方面,保险公司规定,被保险人于分娩过程中、分娩当次住院期间或分娩后5日内身故的,其会按该被保险人妊娠身故保险金额给付妊娠身故保险金。据悉,“二胎保”4套方面中的妊娠身故保额都是20万元。而在除外责任条款中,保险公司指出,流产致使身故不属于赔偿范围。此外,通过人工授精、试管授精、配子输卵管内移植怀孕等情形下发生的身故,也属于险外责任。   一般人身险将怀孕列为免责   因为妊娠期风险较大,目前市面上一般的人身险产品,都将女性怀孕引起的各种事故和疾病特意列为免除责任。如果投保了这类产品,能够保障孕期风险的项目几乎没有。赚钱君获得一份“一年期综合意外险适用条款”显示,“被保险人妊娠、流产、分娩、疾病、药物过敏、中暑、猝死等造成被保险人身故、伤残、医疗费用支出或住院治疗的,保险人不承担给付保险金责任。” 进入【新浪财经股吧】讨论相关的主题文章: