Medical insurance is mainly to solve the medical expenses of personal diseases and accidents. First, improve the social security medical service, and then supplement the parts that cannot be solved by social security medical service by purchasing commercial insurance, including serious illness insurance, accidental injury medical insurance, hospitalization medical insurance and hospitalization medical allowance insurance.
First, pay attention to the scope of insurance. To distinguish clearly which diseases belong to the scope of insurance liability and which do not, you can ask doctors and friends to look at the most insurance coverage.
The second is to pay attention to the observation period of health and medical insurance. Observation period refers to the responsibility of the insurer to pay the medical expenses incurred by the insured due to illness after the insurance contract takes effect for a period of time. There is an observation period when the insurance company underwrites, and the insurance company will not be responsible for the medical expenses incurred during the observation period.
Third, we should pay attention to the deductible in medical insurance. Because insurance companies generally adopt the clause of free compensation for some lower medical expenses, consumers don't have to spend money to buy insurance if they can bear some minor medical expenses. However, some products don't have the same preferential clauses as those in the auto insurance clauses, that is, no claims will be made in the first year and the premium can be reduced in the second year. To this end, consumers can consider not applying for small loss claims.
Fourth, pay attention to the age limit of insurance. According to different types of insurance, the minimum insurance age generally ranges from 90 days after birth to 16 years old, and the maximum insurance age ranges from 60 to 70 years old. If you don't see the age limit clearly, you will lose money in the end if you rush to insure.
Fifth, pay attention to the observation period of health and medical insurance. Observation period refers to the responsibility of the insurer to pay the medical expenses incurred by the insured due to illness after the insurance contract takes effect for a period of time. There is an observation period when the insurance company underwrites, and the insurance company will not be responsible for the medical expenses incurred during the observation period.
Summary: The above are some suggestions about the purchase of personal medical insurance. I hope this article can help you who want to buy personal supplementary medical insurance.