What does the general insurance in school cover?
The full name of Xue Ping Insurance is Student Safety Insurance. Generally, when students enter school, the school will charge premiums. Xue Ping insurance refers to students or kindergarten children as the insurance object.
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In personal accident insurance, if an insured student or child suffers an accident agreed in the insurance contract within the insurance validity period, the insurer will pay the insurance money within the insurance liability.
Xue Ping insurance is generally collected by the school when students enter school, and the insured can get a number of guarantees including accidental injury, accidental injury medical treatment and hospitalization medical treatment by paying tens of yuan. Xue Ping insurance is the most extensive and common child insurance. Its biggest feature is that the premium is cheap and wide, which is very suitable for underage students.
1. What is the insurance of 100 yuan bought by the school?
Under normal circumstances, the school's 100-yuan insurance is Xue Ping insurance, which is the so-called safety insurance for primary and secondary school students. It belongs to a kind of personal accident insurance, and mainly provides personal accident safety guarantee for students at school. In the past, schools charged fees uniformly, which can be understood as compulsory insurance. However, with the development of society, the state explicitly prohibits schools from handling it uniformly, and students voluntarily take the place of handling it.
Second, why buy Xue Ping insurance?
1. From the perspective of coverage, Xue Ping Insurance is a kind of insurance in personal accident insurance, which mainly provides accidental medical care, accidental injury and hospitalization medical care for students. However, it should be noted that general accident insurance does not cover diseases, while Xue Ping insurance can reimburse hospitalization for diseases, so it can be seen that its coverage is relatively wide.
2. From the perspective of premium, the premium of Xue Ping insurance is relatively low. Although the school can't handle it uniformly, and there are many similar products on the market, the premium is about one year 100 yuan, which is acceptable to everyone.
3. From the students' own situation, primary and secondary school students are always minors, and their safety awareness and physical condition cannot be compared with those of adults. Buying Xue Ping insurance can effectively provide basic protection.