태아보험 가입시기What is fetal insurance?
Prenatal insurance is an insurance that can be purchased during the fetal period, and the risks that may occur immediately after birth and the growing child can be covered. Children’s insurance, including special contracts for newborns, which can be purchased before 22 weeks of pregnancy, is called fetus insurance for convenience.
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The main guarantees of fetal insurance include special contracts for congenital disease surgery, special contracts for prenatal and postnatal diseases, and special contracts for childcare costs for premature babies. In addition, you can receive insurance for brain lesions, developmental disabilities, and cerebral palsy.
When to sign up for fetal insurance
In order to select special fetal contracts (incubator usage fee, congenital anomaly surgery fee, neonatal disease hospitalization fee, etc.) It is usually a good idea to purchase fetal insurance within the first 22 weeks of pregnancy. This is because you can sign up for a separate special contract that covers incubator fees, congenital anomaly surgery expenses, and hospitalization expenses for neonatal diseases only until the 22nd week of pregnancy.
Matters related to maturity setting and refund
For fetal insurance, it is important to check the pros and cons of 30-year-old and 100-year-old maturity, pure guarantee type and maturity refund type, and fetal life insurance and fetal damage insurance. The monthly insurance premium for 100-year-old insurance is higher than that for 30-year-olds, but it has the advantage of being guaranteed until the age of 100 as a condition of initial subscription. The maturity refund type can be refunded at maturity, but the monthly premium is higher than the pure guarantee type.
How to choose an insurance company?
Fetal insurance is available to both property and life insurance companies. Non-life insurance companies provide products that guarantee actual loss in case of treatment for various diseases or injuries, and life insurers provide flat-rate guarantees for serious diseases such as cancer. Subscribers who can afford it are advised to subscribe to both insurance companies to receive indemnity coverage and prepare for a flat-rate coverage for illness. If you have to sign up for only one product, it is advantageous to sign up for a non-life insurance company’s loss insurance product because children have high hospital expenses due to accidents or diseases.
Prenatal registration is required
Even if the insured is a parent, since the insured is a child, the fetus must be registered after the birth of the child to be covered. Since each insurer has different documents to submit, such as a copy of resident registration or a confirmation of family relationship, you must check the documents to be submitted for registration of the fetus.
Multiple child discount
If you have more than one child, you can receive discount benefits when subscribing to fetal insurance from the third child onwards. There are differences in insurance premium discounts for multiple children depending on the product of each insurance company. If you apply for a multi-child discount while registering your fetus after giving birth, you can save on insurance premiums.
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