What details should be paid attention to in children's medical insurance?
First of all, parents need to get the application materials from the social security agency where the household registration is located, then fill in the report form and apply online according to the relevant requirements, bring the required materials to the social security agency where the household registration is located, and the social security agency will establish a social security collection ledger after reviewing and uploading the information, and collect the enlistment fee in the bank through computer software.
After the application is successful, parents can apply to the social security agency for making a child medical insurance certificate. After printing out the certificate details in the children's insurance collection dialog box, you can go to the personal social security voucher preparation dialog box to pay the social security voucher preparation fee and go through the voucher preparation procedures. After 20 working days, parents can go to the personal social security bank to get their children's medical insurance certificate.
Materials provided: household register of children and guardians; A copy of the child's birth certificate and one parent's bank account number (not limited to financial institutions, bank passbook or card is acceptable, and China, home, work and construction are recommended); Receipt of children's digital photo (with children's name, fetal sex and ID number, all children should provide it); Family planning certificate issued by the local community neighborhood Committee living in Shenzhen (provided by non-Shenzhen household registration children); One of the parents is a staff member, and it is necessary to provide a company certificate that he has not participated in the overall medical care of relatives.
What kind of medical insurance should I buy?
Basically, every commercial life insurance company has its own medical insurance products. When purchasing, critical illness insurance should be the best choice for every family. Critical illness insurance is payment insurance. Generally speaking, the insurance coverage of 65438+10-200,000 yuan is a relatively basic guarantee. In other words, if the beneficiary suffers from the serious illness agreed in the agreement and reaches the diagnosis basis agreed in the agreement, the insurance company will pay the beneficiary more than 6.5438+10,000-200,000 yuan. I can buy the corresponding insurance amount according to my economic development affordability.
With the guarantee of serious illness, you can choose to buy medical insurance for general diseases again, and you can compensate the hospitalization expenses and operation expenses collected during the illness. According to the requirements of the Measures for the Administration of Medical Insurance, compensation insurance for hospitalization expenses tailored for enterprises with personal social security has appeared in the market at present, and users can choose different medical insurance according to their own specific conditions (that is, whether they have personal social security).
Legal basis:
People's Republic of China (PRC) social insurance law
Article 25 The state establishes and improves the basic medical insurance system for urban residents.
The basic medical insurance for urban residents combines individual contributions with government subsidies.
People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.
Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.
Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.
The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.
Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:
(a) shall be paid by the industrial injury insurance fund;
(2) It shall be borne by a third party;
(three) shall be borne by public health;
(4) Go abroad for medical treatment.
Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.