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How to choose the right insurance

Parents are always looking to give the best protection to their children, especially when it comes to their health and wellbeing. There are many choices out there: medical, savings, life insurance, and critical illness to name just a few. Which ones should you get?

Parents want to give their children the best of everything, including insurance protection. The type of insurance to get depends on individual needs. Medical insurance pays for hospitalisation and out-patient treatment expenses. Savings insurance aims for long-term wealth accumulation and appreciation such as education fund. Life insurance provides unfortunate death compensation. Critical illness offers a lump sum compensation to help pay for the treatment or family living expenses once diagnosed with critical illness.

Practically speaking, children in different growth stages have different protection needs. Toddlers have weaker immunity and can be easily infected with various illnesses, especially for school children. Illnesses can easily spread between classmates, which often leads to fever that requires hospitalisation. In addition, children’s playfulness often get them into accidental injuries. Parents should get adequate medical insurance scheme for their children so that they can receive the immediate care needed due to unforeseen circumstances. Even a short hospital stay with room and board plus various medical examinations can burn a hole in your pocket.

Whether to opt for clinical benefit or critical illness insurance for their children, parents can first evaluate their needs. Most parents may not consider critical illness insurance necessary for their kids. However, if their child gets seriously ill unfortunately, critical illness insurance provides a lump sum compensation to cope with treatment cost during this challenging time. A parent may also have to give up their work to take care of their child. In this case, critical illness insurance compensation can support daily living expenses for the family.

Useful tip:

Child insurance schemes available in the market may seem to have similar offers to one another. But in fact, the details of benefit item may be very different. This directly affects the reimbursement amount. Parents should take note of the item limit or maximum number of days.

Some schemes such as Bupa Care Kid provide Full Cover Benefit, which offers full cover for hospital expenses with no limit on each item. It covers all eligible hospital expenses as long as the total hospital expenses fall within the annual maximum limit. This scheme also provides a medical card* so you don’t need to pay any admission deposit or hospital bills and no claims procedure to follow. Thus, allowing the parents to focus on their children’s recovery.

*A medical card will be issued if Full Cover Benefit or Supplementary Major Medical Benefit is selected.

Insurance schemes / Key features
  • 100% reimbursement of medical expenses if Full Cover Benefit is selected
  • No hassle of payment and claims by using medical card if Supplementary Major Medical Benefit is selected
  • Companion Bed Benefit is available for parents who look after their children during hospitalisation
  • Enjoy 50% discount when enrolling with both parents
  • Covers 58 critical illnesses such as leukaemia, encephalitis, cancer, etc. Up to HK$1.5 million in compensation
  • Affordable subscription that is guaranteed unchanged for 5 years
  • Up to HK$300,000 free cover for medical treatments when diagnosed with any major critical illnesses

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