学生平安保险，让校园安全无“忧”

Core Viewpoint - The article emphasizes the importance of student personal insurance, known as "Xueping Insurance," which provides low-cost coverage for various risks associated with school life, helping families manage unexpected medical expenses and accidents [1][3]. Group 1: Insurance Overview - The peak season for purchasing student insurance coincides with the start of the school year, as families seek to protect their children from potential accidents and health issues [1]. - Xueping Insurance offers comprehensive coverage for accidental injuries and hospitalization due to illness, with daily premiums costing less than 1 yuan [1]. Group 2: Claims Data - From January to July 2025, Xinhua Insurance's Shandong branch provided claims services to 9,694 students, with a total payout exceeding 9 million yuan, alleviating financial burdens on families [3]. - The highest claim volume was recorded in Tai'an, with 2,005 claims totaling 1.51 million yuan, while Laiwu had the highest per capita claim frequency [3]. Group 3: Case Studies - A student diagnosed with a malignant tumor received 7 claims, showcasing the insurance's role as a financial support during severe health crises [4]. - In extreme cases, claims for traffic accidents reached 120,000 yuan, highlighting the insurance's effectiveness in providing timely assistance [4]. - A case of a student with acute pneumonia resulted in 5 claims, covering multiple medical expenses, demonstrating the insurance's broad applicability [5]. Group 4: Risk Analysis - Claims related to diseases accounted for 51% of total claims, with respiratory illnesses being the most common, particularly influenza and pneumonia [6]. - Accidental injuries made up 49% of claims, with limb injuries being the most frequent, particularly from sports activities [7]. Group 5: Customer Testimonials - A parent shared that a 200 yuan investment in Xueping Insurance resulted in a claim payout of over 19,000 yuan for their child's surgery, illustrating the insurance's value [8]. - Another parent noted that their child received 4 claims within 4 months, totaling over 5,000 yuan in payouts, emphasizing the insurance's practicality and effectiveness [12][13].