Three factors to consider when applying for health insurance:
First, health insurance is a necessary insurance for everyone.
There are many kinds of insurance, and different insurances cover different responsibilities. On the one hand, because people have a low understanding of health insurance, they often get lost in many insurance products, and it is difficult to find the product that suits them best. Second, the coverage of social basic medical insurance is already very high, and many people mistakenly think that social security is enough. I don't know that commercial health insurance can be an effective supplement to social security, which can not only fill the out-of-pocket part of citizens' medical expenses, but also be used for recuperation after serious illness and compensation for income loss. Therefore, when making insurance planning, customers should put health insurance in the first place, solve this part of the protection gap, let insurance pay for health, and spend a little money to keep our hard-earned big money.
Two, reasonable choice and arrangement of three kinds of health insurance
Some friends may have taken out some health insurance, which is good. What we need to do next is to improve the types of health insurance. Health insurance includes four common parts: medical expenses, hospitalization allowance, serious illness and long-term care. Critical illness insurance needs priority. Because of social security, some ordinary small and medium-sized diseases are not terrible, but major diseases should not be underestimated, and the amount often needs to be spent is not small. In addition, many drugs and treatments cannot be reimbursed by social security. Therefore, serious illness should be given priority, and the younger the age, the cheaper the premium. With the basic social medical insurance, ordinary wage earners can choose 200,000 to 500,000 to buy critical illness insurance. Consumers with higher income can set the coverage of critical illness insurance at 5-8 times or even 10 times of their annual income to ensure that the cost of disease treatment will not affect the stability of the family economy. Secondly, medical insurance, which can be divided into three grades according to different reimbursement rates, is used to pay medical expenses beyond medical insurance coverage. Therefore, consumers can choose the level of protection according to their income, age and reimbursement standard of basic medical insurance. Friends with strong economic strength can choose the product with the highest insurance liability and compensation ratio in one step, and really don't spend their own money to see a doctor; If the family situation is average, friends can choose middle and low-grade medical insurance to deal with unknown diseases and spend less money on medical treatment. As an alternative to hospitalization allowance, such products are usually insured as additional risks, and a few companies sell them as return-type security products. Generally, this kind of products are paid according to the number of days in hospital, and can be insured repeatedly. Buy too much and lose too much. You can decide how many copies to buy according to the charge level of the hospital. When purchasing, many white-collar workers will choose products that pay hundreds of yuan of hospitalization allowance every day to protect the income loss of hospitalization due to illness. Long-term care insurance is a new type of insurance introduced in recent two years and has been piloted in some areas. Mainly for the insured in the loss of daily living ability, relapse or death, to provide care and economic compensation.
Third, look at the cost performance, don't buy expensive ones or cheap ones.
There are many kinds of health insurance products in the market, which are highly homogeneous. Compare functions and guarantees when purchasing. At present, there are dozens or even hundreds of diseases covered by critical illness insurance in the market. However, from the product formula, the risk rate of the six basic diseases is the highest. Therefore, consumers should purchase critical illness insurance according to the health examination report, family history and the scope of medical services provided by insurance companies. In the case of similar guarantees, requirements and insurance coverage, products with relatively low prices can be considered to avoid simple price comparison.