"What insurance do you recommend for a newborn baby?"

"Is there any children's insurance that can cover diseases and accidents, outpatient and hospitalization?"

I really want to recommend a very practical children's insurance to all new parents - Nuanbaobao No. 2 Children's Outpatient and Emergency Insurance.

I have recommended it to you many times before. I really think it has good protection, including diseases, accidents, outpatient, hospitalization, 10 special diseases for children, vaccination protection, accidental fracture allowance...

After buying it, you almost don't need to buy anything else for small medical expenses. It is enough.

Reasons for recommending Nuanbaobao No. 2

Great protection for accidents and diseases

Nuanbaobao No. 2 Children's Outpatient and Emergency Insurance = "Accident Insurance + Small Medical Insurance + Children's Special Disease Insurance"

In terms of coverage, Nuanbaobao No. 2 does a good job, and the coverage covers accidental medical treatment, disease hospitalization, disease outpatient and emergency, 12 special diseases for children, etc.

It is enough for common accident and disease risks for children.

Social security external medicines can be insured

Nuanbaobao No. 2 extends the medical liability of accidents, outpatient and emergency treatment, and hospitalization to social security external medicines, which can also be reimbursed (i.e.: Class B self-paid expenses + Class C full self-paid expenses can be reimbursed 40%).

Although it cannot be reimbursed 100%, it is still very good to spend less money on children's medical treatment!

Low reimbursement threshold

It is mainly reflected in two aspects:

→ The waiting period for outpatient and emergency medical treatment is only 15 days, which is better than most products on the market with a waiting period of 30 days.

→ There is no deductible for medical treatment of diseases and hospitalization, and 1 cent can be reimbursed.

Even if there is no social security at the time of insurance, it can also be reimbursed at a rate of 90%

When insured, Nuanbaobao No. 2 will differentiate the price according to whether there is social security.

Although it is more expensive for children without social security to insure, the coverage and compensation ratio remain unchanged, and they are still reimbursed at a maximum rate of 90%.