Before you start, if you don't know about health insurance, you should keep this dry goods well: Is it necessary to buy health insurance? These routines must be paid attention to!
1. Precautions for purchasing critical illness insurance
Critical illness insurance, also known as critical illness insurance, belongs to payment insurance. As long as it meets the standard of major illness claims stipulated in the clause, the insurance company will pay a claim to the insured as agreed. This claim is not limited in use. We can use it to treat diseases and supplement the daily expenses of families.
However, the critical illness insurance itself is very complicated, including single payment and multiple payment, Baoding life insurance, children's critical illness insurance or adult critical illness insurance. The most important thing is that the coverage content and strength of each critical illness insurance in the market are different, and the critical illness insurance guarantees our personal health, so the comprehensive coverage content is our first consideration, especially the three basic guarantees for the most serious diseases, which are indispensable.
Due to space reasons, interested friends can poke into this article to learn more about the precautions for purchasing critical illness insurance: which one is good for critical illness insurance, how to buy it cost-effectively, and teach you how to avoid these pits of insurance.
2. Matters needing attention in purchasing millions of medical insurance
Millions of medical insurance mainly provides insurance for medical expenses. The scope of protection includes not only the doctor's medical expenses and surgery expenses, but also hospitalization expenses, nursing expenses and hospital equipment expenses, and can reimburse the scope outside the medical insurance catalogue, such as targeted drugs, imported drugs and specific drugs.
Because millions of medical insurance is reimbursement insurance, the reimbursement amount of products is related to deductible and reimbursement ratio. Ordinary million medical insurance The deductible of ordinary medical insurance is 6.5438+0 million yuan (some products meet the requirements, and the deductible will be reduced), and the deductible of serious illness medical insurance is 0; As for the reimbursement ratio, it must be 100% reimbursement and not limited to social security.
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