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Child health insurance

Child health insurance

When you leave the maternity hospital together with a baby wrapped in a beautiful envelope, you receive the first documents in his life: an exchange card for the children’s clinic, which shows the newborn’s information about the newborn (its physiological parameters: gender, height, weight, day of the first application to the chest, the day of the umbilical cord falling off, conducting tuberculosis vaccination). And also: birth certificate, birth certificate (medical birth certificate), certificate-extract, necessary for registration of the child in the registry office and receiving benefits.

All these important papers will need space in your home file cabinet alongside other documents so that you can easily find them if necessary.

Make a list with the most important phone numbers you may need at any time: a pediatrician, the nearest hospital, an ambulance, police, fire brigade, as well as the phones of your parents, neighbors and closest friends. Hang the list in a prominent place in the house.

And do not forget to also program these numbers in your home phone, enter them in the phone book of your mobile or computer.

Consider: did you take good care of your home’s security? Take another look at your apartment again.

What is safe for an adult can be a great danger to the baby. As soon as the child begins to crawl, and then walk, every meter of your apartment can be potentially dangerous for him.

Remove any small objects that the child can swallow, put protective plugs and canisters on electrical outlets, think about how to lock the rooms in which the child should not fall on their own, clean all cleaning products and household chemicals to an inaccessible place, put them away from the bed and changing table medicines and powders. And remember: it’s better not to leave the baby alone for a minute, for your own peace of mind.

Child health insurance

Every parent wants his child to be in no need of anything: either immediately after his birth or in a few years. Perhaps it is voluntary medical insurance, as well as life insurance will help ensure the stability of the family and a bright future for the child. If you are concerned about family welfare, a life insurance policy should be just as important as a good apartment or car.

In this case, you can combine two benefits: life insurance and the creation of savings, while receiving both protection and savings for important expenses. Many shrewd parents resort to life insurance in order to save up for the higher education of their child.

To the question of choosing a company where you want to insure your life and the lives of loved ones should be approached very carefully. It is important to find a serious insurance company. Pay attention to such indicators of reliability as financial stability and market reputation of the company, find out how long it has been on the market, whether there are representative offices in other countries and so on.

In addition, professional financial advisors must work in a good insurance company.

Typically, life insurance programs are designed for a period of 5 to 35 years. You can conclude a contract of cumulative insurance in favor of the child immediately after birth or later.

However, the sooner you issue a policy, the easier it will be for you to accumulate the required amount by the right time. On average, the duration of the contract is 10−15 years. Insurance contributions can occur at intervals that are convenient to you or provided for by the program itself.

Usually taken monthly, quarterly, semi-annual or annual form of payment.

Child health insurance

Every Russian child has a policy of compulsory medical insurance (CHI). According to the law, the parent must receive it in the first three months of the baby’s life.

To do this, it is necessary, together with the baby’s birth certificate and parents ’passports, to contact the point of issue of the insurance medical insurance company. His address and mode of operation will be prompted in the children’s clinic in the place of residence.

But why do many more make a voluntary medical insurance policy (DMI)?

The fact is that the LCA system will make it possible to cover the costs of medical services that are not paid by the OMS or are only partially paid. In addition, the CHI system is unable to provide customers with the appropriate level of medical care.

And further. In case of voluntary medical insurance, it does not matter whether the small insured has permanent registration in the city of residence.

The main thing for an insurance company is for parents to indicate the address to which, if necessary, the doctor or the ambulance team must leave.

The cost of insurance ranges from $ 150 to $ 3,000 and more per year. Kids up to a year – the most “risky” contingent.

Accordingly, the price of insurance for them is significantly higher than for older children. The fact is that in the first year of life, the majority of congenital pathologies are detected. In addition, regular patronage at home, timely vaccinations and testing are required.

But for children from one to three years the insurance will be already 20% cheaper. And the older the child, the lower the price will be, if, of course, he is healthy.

And thanks to the round-the-clock dispatching service, you can get expert advice from doctors at any time of the day, make an appointment with specialists, and call an ambulance.

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