A New Mom’s Smooth Insurance Claim Experiences

Recently, we received a submission from Juanjuan, a first-time mother, who shared her two successful insurance claim experiences.
Through her story, we aim to convey that “filing a claim is not as difficult as imagined.”

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Here is her account:

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1. Child Fell Off the Bed: Accident Insurance Covered Over 200 Yuan

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My husband is a busy police officer who often works night shifts, leaving me to care for our child alone.

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Our eight-month-old daughter, Tiantian, craves constant attention and cries intensely if I step away even briefly.

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One exhausted day, I fell asleep deeply while Tiantian played unattended on the bed.

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A loud thud woke me—Tiantian was wailing on the floor.

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I rushed her to the hospital, summoning my husband from duty immediately.

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The doctor recommended a CT scan. Watching my tiny child alone on the machine brought me to tears.

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Guilt overwhelmed me; I wished I could bear her pain instead.

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Thankfully, the scan revealed no serious injuries, easing my anxiety.

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Later, I recalled purchasing a “Little Genius 3” child accident insurance policy for just 96 yuan annually.

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To my surprise, the online claim process was straightforward—submitting documents yielded reimbursement the same evening.

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The swift payout astonished me.

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Though modest, the coverage provided meaningful financial relief.

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2. Child’s High Fever: Outpatient Insurance Covered Two Visits

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Tiantian’s fragile health makes colds and fevers frequent occurrences.

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One afternoon, I noticed her lethargy and measured a 39°C fever.

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Self-reproach flooded me again for failing to protect her better.

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Fortunately, my husband was off-duty that day, and we rushed her to the hospital.

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Diagnosed with wind-heat cold and high fever, she was prescribed medications.

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That night, her fever fluctuated dangerously, keeping us awake in shifts.

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Cool compresses, temperature checks, and round-the-clock care lasted two days until her fever broke.

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Seeing the sweet smile on her face made all the hardships feel insignificant, and I resolved to become even stronger.

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Coincidentally, two months ago, I had purchased a pediatric outpatient insurance policy. Considering her frequent colds and fevers, each hospital visit costing hundreds, the accumulated expenses were substantial over time.

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The monthly premium for this outpatient insurance was only 25 yuan, equivalent to the price of a cup of milk tea. Thinking it was better to be safe than sorry, I went ahead and bought it.

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After her fever improved, I finally had time to initiate the online claim process.

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After organizing the invoices for the outpatient expenses and identity verification documents, I submitted the application. To my surprise, the claim was settled that very afternoon.

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Although the reimbursement amounts for these two claims were modest, the swift payout allowed me to genuinely appreciate the warmth of insurance.

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3. Final Thoughts

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Juanjuan shared these two claim experiences in the hope that her insights might assist other parents in critical moments.

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Her story also highlights how having insurance “support” can help us navigate unexpected situations with greater ease.

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If you’re considering purchasing insurance for your child, it’s advisable to prioritize medical, accident, and critical illness coverage. If budget permits, you might also opt for a savings insurance policy to set aside funds for education or marriage.

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It’s important to note that before insuring your child, ensure that the adults in the family are adequately covered. The well-being of parents is the foundation for a child’s healthy growth.

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Note: The images and information in this article were provided by the individuals involved and published with their consent. At their request, “Juanjuan” and “Tiantian” are pseudonyms.

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