逍遥居士

taixiren 发表于 13-4-2016 13:22
准妈妈保险买的再齐全如果宝宝一出生就有先天疾病，妈妈的保险跟宝宝的保险也没关系 ...

Z孩子真的不幸有先天性疾病，妈妈购买的若是某完整的住院保险是可以帮宝宝支付医药费的

bigmice

逍遥居士 发表于 13-4-2016 16:30
Z孩子真的不幸有先天性疾病，妈妈购买的若是某完整的住院保险是可以帮宝宝支付医药费的
...

可以提供以下那个住院保险可以吗?

逍遥居士

bigmice 发表于 13-4-2016 17:32
可以提供以下那个住院保险可以吗?

不要说你不清楚吧
HealthShield Gold Max Plan:
6. Congenital Abnormalities BenefitsFor female insured’s biological child frombirth ... ..

bigmice

逍遥居士 发表于 13-4-2016 17:50
不要说你不清楚吧
HealthShield Gold Max Plan:
6. Congenital Abnormalities BenefitsFor fema ...

到是没注意这个，多谢提醒。

这个是有条件和限制的  1. 妈妈必须是AIA的受保人，而且保单生效10个月以上。2. 受保的孩子每年限额5000，终生20000.对于保孩子先天疾病也是一种选择，保障也不错。优点不用另交保费，而且是目前住院保单里最好的。

不足是怀孕综合症项目比较少，尤其不保早产。

可以说是各有千秋吧。

“Congenital Abnormalities of Insured’s Biological Child from BirthWe shall reimburse the Eligible Expenses incurred by the Insured’s biological child ifthe child is required to be Confined in a Hospital to undergo medical or surgicaltreatment due to birth defects, including hereditary conditions and congenital sicknessor abnormalities during the first 24 months from date of birth of the child.These conditions relating to the Insured’s biological child must be first Diagnosed bya Physician or Specialist after the Insured has been insured under this Policy for acontinuous period of 10 months from the Policy Date, the last reinstatement date (ifany) or the effective date of plan upgrade (if any), whichever is latest.This benefit applies only if the Insured is a female. ”