Insurance companies offer many insurance programs for children from birth to fifteen years old, they differ in cost and the number of services provided. Before concluding an insurance contract, pay attention to the types of medical care included in the program, visit the clinic to which you want to attach the child, and assess the reputation of the insurance company, because it is she who will transfer funds to the medical institution.
Instructions
Step 1
Children under one year old must be examined by many specialists, therefore, when choosing an insurance program, pay attention to the presence of such specialists as a neurologist, ophthalmologist, surgeon, endocrinologist in the clinic staff. In addition, insurance companies offer the child to be assigned to a polyclinic with possible specialist care and vaccination at home. This is a big plus, since during the period of seasonal epidemics, the likelihood of exposing a newborn to an infection increases. The inclusion of this clause in the insurance contract increases the amount of the insurance premium. The annual cost of insurance programs for children under one year old in Moscow ranges from 30,000 to 100,000 rubles as of August 2011.
Step 2
Children's insurance programs from one year to the next include the services of the selected clinic, ambulance, dental care, home visits and standard vaccinations. The cost of servicing children between the ages of one and seven ranges from 20,000 to 80,000 rubles per year, according to insurance companies as of August 2011. Older children are served at the clinic for a lower price. In this case, the price is an indicator of quality, since in clinics where the cost of insurance is lower, many specialists often take it for a fee. From the offered insurance programs, choose the one that provides the child's attachment to a clinic known to you, preferably not far from your home or place of work.
Step 3
In addition to medical insurance programs, explore offers for accident insurance for children. These insurance programs cover fractures, injuries, dislocations, damage to soft tissues and internal organs, and burns. After all, if the child is not prone to illness, it is enough to insure him in case of unforeseen circumstances. Depending on the list of risks in the contract and the limitation of the amount of payments, the cost of such insurance ranges from 800 rubles per year. If the child is actively involved in mobile and contact sports, the cost of insurance will increase.
Step 4
The accident insurance policy for children can be concluded for the period of the child's stay in the summer camp. Insurance companies offer such programs, which additionally include the risks of food poisoning, encephalitis and hepatitis. Explain to the child why the policy is needed and warn the person responsible for the children about the existence of the insurance contract.
