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百元保费获赔逾5.5万元 惠民性“学平险”为孩子撑起保护伞

2017-08-15 04:27:32   中国青年网

学平险

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据媒体报道,我国每年约有4000万的中小学生遭遇到不同意外伤害,而暑期一向是意外事故的高发期。

这种为小涛、小景、小怡撑起“保护伞”的惠民性保险正是“学平险”。此项保险是专门针对未成年学生的一种低保费、高保障的特殊险种,由中国保监会批准开办。它可以使学生在身患疾病或发生意外事故后得到更充足、更全面的补偿,是居民医保的有效补充、是学生健康成长的重要保障,曾被《人民日报》誉为“校园生命工程”。

同时,“学平险”具有投保手续简单,学生交费即可参保,无需像承保重大疾病险的人一样进行各种体检,非常适合在校未成年人学生。

以中国人寿为例,每年仅需100元保费,就能获得包括意外伤害、意外伤害医疗以及住院医疗在内的多项保障,总额度高达12万元。其中,因意外或疾病住院产生的医疗费用最高可获赔7万元,因疾病或意外身故可获赔2万元,因意外致残、烧伤最高可获赔2万元,因意外伤害产生的门诊医疗费用最高可获赔1万元。经测算,若是成年人个人购买同样的保障责任,保费近1000元。

学平险

专家

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