Insurance companies refuse to "children with San Lu," Which of the claims have been?

"Sanlu milk powder incident" has once again opened the hearts of the people on the food security of the scars, at the same time the test was exclusions of the insurance companies.



How can insurance exclusions?



Miss He's young daughter because the Sanlu drink milk and children suffering from kidney stones, before and after treatment, after spending most of their savings, she found her daughter for health insurance coverage of the AIA insurance claims, but was rejected Yizhengciyan insurance companies, Assurance that the matter is not covered.



Has always been known as "sending charcoal in snowy weather" a typical representative of the insurance companies, to the attitude of a 180-degree turn, Miss He's a cold heart: "Why I bought insurance, accident occurred in the insurance companies do not pay? Is not intentional but unfortunately P & I, finding fault exclusions? "



"Sanlu milk powder incident," Miss He was not only one of the exclusions, exclusions of the insurance companies are not only a friendly. Tong Su insured to the grievances and dissatisfaction with the media, have their own insurance companies.



That the insurance companies because these children to drink milk Sanlu hospital suffering from kidney stones, the loss caused by disease, accident insurance is not included in the scope of the reasons for the disease, it can not be in accordance with the principle of compensation. At the same time, major insurance companies that the child's risk of disease claims only the scope of chronic renal failure uremia, and this led to the melamine belong to different causes of kidney stones, these stones can not be re-disabled children with insurance payments.



The insurance companies say clearly and logically. Fortunately, at this time that the Government hand for the children's medical treatment by the government for reimbursement of money, but the incident still remain in the shadow of the hearts of the parents, insurance industry's reputation into question once again, how can good corporate social responsibility lost in the On the side?



Insurance companies need to be reminded that when parents lost their trust in insurance companies, and is likely to go blind spot of the insured risk children.



To avoid the trap of insurance exclusions



Insurance companies are not charitable institutions, will certainly clear what the plan should not pay any compensation. In order to avoid the risk that it will be increasing the probability of the risk of major diseases included in the scope of the deductible. This should be the phrase "to buy than to sell the spirit" and insured consumers to be rational and to avoid the trap of insurance claims.



Let's look at the scope of insurance in the "accident" definition, a "foreign": "acids, alkalis, toxic gas and other factors caused by chemical injury, and damage caused by the body itself is not insured by the Factors or diseases caused. " San Lu in the incident, the parents believe that the subjective Sanlu milk powder, milk powder and Sanlu under normal circumstances should be qualified, parents will Sanlu milk powder for children to eat led to the death of a child, the consequences will be beyond the scope of their awareness, child Even if the death of the accident, should pay, unless the terms of insurance, there are similar food poisoning only exclusions from the responsibility. Therefore, the purchase of accident insurance when they try to find out from some of the responsibility to prevent a problem no one "bill."



Parents of children in the purchase of a major disease risk, it is necessary to clearly distinguish which patients would be compensated, the disease which can not be compensated, the map can not be easy to use for the usual "major diseases", we apply to insurance within the meaning of the disease. In the face of illness will narrow the scope of the claims, to consider the purchase of portfolio risk, such as weight increase disease risk in-patient medical insurance. Typically, in-patient medical insurance, regardless of disease, hospitalization can be as long as they are part of the payment of medical expenses, so that a number of diseases can not be compensated under the circumstances to make up for some of the losses.



In addition, the purchase of a significant risk of the disease when taking into account the Xianyao of children with a high incidence of disease in a more comprehensive protection.



Sub-risk children should be insured



Sanlu milk powder incident as a wake-up call to parents, in a variety of diseases and accidental injuries violation of a child at any time, we love what we treasure? Financial experts remind investors that children should be sub-insured risk, parents should According to the child's age, in three sessions to choose different types of insurance.



The first phase is to insure the children of 0-6 years old. This stage is resistance to poor children, vulnerable to a number of epidemic disease, and death to pay for general medical conditions of the insurance payment ratio is not high, and more recommendation to buy some type of compensation for in-patient medical insurance. The advantage lies in its insurance does not limit the scope of the disease, as long as they are led to the hospitalization as a result of diseases caused by medical expenses, can be given to the corresponding proportion of the reimbursement.



In addition, the in-patient medical insurance is based on actual payments for the full cost of the cap For the better protection of the family and conditions permitting, the proposed purchase of modular insurance, general insurance at the same time that the children's disease risk re-hospitalization and medical insurance.



At present, various insurance companies for children's security may be some differences in the type of disease, and some cover more than 30, some only a dozen security. Do not pay attention to a few simple security can be the type of disease, insurance covers too much and lower the incidence of disease insurance, the premium is just a waste.



The second phase is to insure the children of 7-12 years old. 7-12 age group due to the great hidden danger of accidental injuries, should be appropriately increased risk of accidents input, and conditions permitting, to consider the future of education to save money. Of course, if good conditions for families, children should be born soon after to consider the future of education to save money, so that the burden of the annual premiums can be reduced. And the children go to school, the school will be organized to go to school risk level, the low risk premiums, the coverage is the preferred insured children.



The third stage is for 12-18 year-old children insured. 12-18 years old do not have to be confined to the stage of the children at risk because some of the insurance for adults over the age of 14 can buy. For adult children of such insurance coverage, should choose to return a short time interval of dividends, so to a certain extent, alternative education benefit payments. Of course, also be considered for payment and paid very flexible universal life insurance. Such insurance is not only secure, there are very high investment. However, the use of insurance proceeds received, or should be based on accident insurance and medical insurance risk would be the primary consideration, follow the "security first, second income".



Parents need to be reminded that the main risk in buying at the time when they purchase additional insurance premium exemption. In this way, parents, major illness, death or disability exemption can not pay all the premiums, and security functions remain in force until the children receive the insurance money when a lot of points.