Among children, one of the most common types of injuries are falls. Simple, at first glance, the thing often has serious consequences. Children of primary and secondary school age are at special risk.
According to statistics, in 2020 the share of child insurance cases related to injuries was 35%.
For 9 months of 2021 - already 31%, given that the winter period is just beginning.
At home, children are injured with about the same regularity. Street injuries have a certain seasonality: during the winter and summer holidays the highest level is recorded.
Child injuries
There are basic rules of prevention that parents should follow:
- Do not allow the child to climb tall trees and buildings;
- Check swings and sports equipment on the playground before playing or training, avoid unequipped or damaged structures.
- Educate caution and caution: inform about the dangers in different situations and talk about the consequences.
- Talk calmly and with arguments: explain, give examples, but do not panic and do not scare the kid.
The basic rules reduce the risks, but unfortunately it is impossible to prevent such cases. The only thing parents can do in advance is to take care of timely and comprehensive medical and rehabilitation care if needed.
Life and health insurance helps to create a financial cushion that adapts the budget of a family in an unforeseen situation.
How it works - for example:
For example, a child fell unsuccessfully on his arm while playing. Diagnosis - fracture of the radial bone with displacement. In the case of a life and health insurance program, each of the risks incurred in the event of such an event is covered separately by the insurance company.
For example, such a fracture is an injury as a result of an accident, and it will also be paid for. That is, at the same time 4 risks were activated as a result of this event, respectively, and payments for them:
• Trauma
• Surgery
• Hospitalization (for each day of hospital stay)
• Ambulance call
There are different payment algorithms. Depending on the chosen program, the insurance can cover not only hospitalization, but also surgery separately. It can cover not only medical expenses, but also rehabilitation and adaptation to new living conditions.
Children's health insurance
Is it possible to insure a child with chronic diseases?
Yes, it is possible, but each case is considered separately. The insurance company always assesses the risks associated with the client's chronic diseases.
For example, a child with bronchial asthma may be insured for several years. The diagnosis will not affect accident protection: all risks can be covered under standard conditions.
If parents want to comprehensively protect the child, given the chronic disease, there are several solutions:
With mild asthma, a child can be insured on standard terms.
Another option, if it is a moderate or severe degree, when the child during the attacks uses hormone therapy on a regular basis. In this case, hospitalization or disability related to asthma will not be covered by insurance. But unrelated diseases - gastrointestinal tract, vision, diabetes, etc. - will be covered by insurance in full.
There are other approaches.
Financial advisors, like family financial doctors, select the product, combination of risks or programs that can protect the financial goals of the applicant family.