With the enhancement of people's insurance awareness and the rising medical expenses, it has become a demand to buy a suitable health insurance in advance. Relatively speaking, consumer health insurance is more affordable and is now more favored by consumers. Then, what advantages does it have compared with the return health insurance of "paying for illness and returning to the capital without illness"?
"I bought consumer health insurance, and I have never been seriously ill. I have to pay premiums every year. It doesn't seem worthwhile. Might as well save the money. I am struggling to renew my insurance next year. " "A few years ago, recommended by a friend, I bought a consumer health insurance with hospitalization and surgery subsidies. But over the years, I have never been ill and hospitalized, and my insurance premium has been paid for nothing. This seems to be no different from saving money when necessary. "
The above is the "narrow" cognition of two netizens on consumer health insurance. In their view, buying this kind of annual renewal insurance is equivalent to throwing money into the water as long as it is useless in that year. It is better to deposit in the bank, at least with interest.
Indeed, compared with refundable health insurance, consumer health insurance, as a pure consumer product, has neither the function of capital preservation nor savings, nor can it provide protection and income at the same time. Therefore, in the eyes of some people, it is "suspicious" to buy this kind of insurance. In fact, such cognition is not accurate. Although the refundable health insurance has the bright spot of "settling claims in case of illness, returning to the capital without illness", for a specific group, consumer health insurance can provide high disease protection by paying a few hundred yuan a year, and the cost performance is not low. As people in the insurance industry have said, buying consumer health insurance is very different from saving money to see a doctor: saving money is to solve the current problems, provided that you have a healthy body. In case of an accident or serious illness and income interruption, you can only use the saved money to see a doctor, and you can't continue to save money. Consumer health insurance is to solve future problems, pay a certain premium every year, and provide emergency funds far higher than the premium at any time in case of serious illness, so as to obtain the greatest protection with the least investment.
Take the consumer health insurance product "Century Taikang" launched by an insurance company as an example. Consumers aged 3-49 (the coverage can be extended to 64), the annual premium is 1 17 yuan, and the insurance period is one year (renewal), which can provide the insured with the maximum daily hospitalization insurance premium of 450 yuan, with the maximum payment of 200,000 yuan for organ transplant operation and 65,440 yuan for non-organ transplant operation.
Although consumer health insurance can't provide substantial premium return protection for the insured when he is free from illness, it has the advantages of affordable premium and comprehensive protection. Even if there is no claim in the last year, he will get preferential premium in the later period. Therefore, the highlight of consumer health insurance is to provide more opportunities for people with relatively average economic strength to enjoy health protection.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.