Under the background of digital wave sweeping the world, the problem of children's vision health is becoming increasingly prominent and has become the focus of many families and society. Children's vision protection insurance came into being, which provided a solid umbrella for children's bright vision.
Looking overseas, some countries' practical measures in the field of children's vision protection insurance are worthy of attention. In the United States, for example, many insurance companies have launched comprehensive protection plans for children's vision. These plans not only cover the cost of routine eye examinations, but also provide professional vision screening once or twice a year for free to help find potential vision problems early. They can also bear the cost of some vision correction devices, such as the replacement subsidy for glasses frames and lenses, which can save families about 30%-50% of related expenses. Some high-end insurance products cover the treatment expenses of ophthalmic diseases, including the expenses of corrective surgery for common vision defects such as myopia, hyperopia and astigmatism, and provide all-round economic support for children's vision health.
In Germany, children's vision protection insurance is included in the supplementary category of the national public health system. Through policy guidance, the government encourages insurance companies to develop diversified types of children's vision insurance. German insurance companies have established a close cooperation mechanism with schools, which regularly organize students to conduct vision assessment and share the data with insurance companies. Based on this, insurance companies tailor personalized insurance plans for each child, and provide preventive vision care service expenses reimbursement for children with normal vision, such as eye exercises training courses and nutritional vision package subsidies; For children with visual hazards, the insurance payment is even stronger, even including the full payment of visual rehabilitation training courses to ensure that children can improve their vision in time under professional guidance.
Japan's children's vision protection insurance focuses more on long-term follow-up and intervention. After underwriting, the insurance company will establish a special vision health file for children to record every vision change from admission to adulthood. Professional optometrists and ophthalmologists form a team to regularly visit and evaluate the vision of insured children. Once it is found that vision is declining, the insurance company will take the initiative to contact parents, provide a series of targeted intervention suggestions, and bear the costs of corresponding intervention measures, such as special low-vision AIDS, visual function training equipment rental, etc., to help children's vision stabilize and improve.
These overseas children's vision protection insurance models each have their own characteristics, they all offer valuable references. In many countries, children's vision protection insurance is still in its early developmental stage. Insurance should not only share the economic burden of vision treatment and correction for families but also play a role throughout the prevention, intervention, and treatment cycle, protecting children's clear vision and illuminating their bright future. After all, children are the future and hope of every nation. Safeguarding their visual health injects a steady stream of vitality and creativity into social development, enabling every child to pursue dreams and grow up healthily with clear vision.
