Insurance companies offer their clients various insurance programs, including for children from birth to 15 years. The cost and the number of services provided vary. Before concluding an insurance contract, evaluate what types of medical care are included in the programs, visit the local clinic to which you want to attach the child, and pay attention to the reputation of the insurance company. After all, it is from her that the medical institution will receive funds.
Instruction manual
1
Children from 1 year old should be examined by many specialists, so before choosing an insurance program, pay attention to whether a neurologist, endocrinologist, ophthalmologist and surgeon work in the clinic.
2
Insurance companies also offer to attach the child to the clinic with vaccination and home care by specialists, which is a definite plus, because during seasonal epidemics the probability of infecting the baby increases significantly. When this item is included in the insurance contract, the amount of the insurance premium increases. The cost of various programs for insuring children under 1 year in Moscow ranges between 30, 000 and 100, 000 rubles.
3
Insurance programs for children over the age of one year include polyclinic services, dental care, emergency medical care, standard vaccination and a doctor’s home visit. As for the cost of servicing children older than 1 year, it ranges between 20, 000 and 80, 000 rubles per year.
4
The older the child, the usually for a smaller amount he is served in the clinic. The price in this case is an indicator of quality, because in those clinics where the cost of insurance is lower, many specialists often take children for a fee. Choose from the insurance programs offered to you that provides the attachment of your child to a medical institution known to you and preferably near your place of work or at home.
5
In addition to health insurance programs for children, you should also familiarize yourself with accident insurance offers. This includes insurance against fractures, dislocations, damage to internal organs and soft tissues, burns. After all, if your child is not prone to disease, it will be quite enough to insure against accidents. The cost of such insurance ranges from 800-1000 rubles per year, depending on the list of risks in the contract, that is, it increases if the baby is actively involved in contact and outdoor sports.
6
If your child goes to summer camp in the summer, an accident insurance contract can be concluded for this period. Insurance companies offer programs where there are additional risks of hepatitis, encephalitis, and food poisoning. Explain to the baby why the policy is needed, and also warn the person responsible for the children about the existence of an insurance contract.
