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      小兒感冒后為什么一定要3個月后才能投保醫療險?

      小兒各方面發育尚未成熟,免疫力、防御能力比較低弱,兒科疾病的顯著特征就是病情易反復、多變化、速度快,臨床上小兒感冒的發病率很高,感冒可并發肺炎、病毒性心肌炎、耳聾、急性腎炎等嚴重疾病,部分并發疾病如病毒性心肌炎往往是在感冒后一段時間才逐步被發現,因此小兒感冒后需要經過30天的觀察期,以確認沒有并發癥出現后,太平人壽才會作出核保決定。

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