medical insurance
1. Features: wide range, and medical expenses are generally differentiated according to the characteristics of medical services.
Second, the characteristics of the claim:
1, deductible, there are three calculation methods: first, the deductible of a single indemnity is for the amount of each indemnity; The second is the annual deductible, that is, the annual payment can only be paid after the total amount exceeds a certain amount; Third, the collective deductible is mainly for group insurance.
2. Proportional payment (or * * * insurance ratio). In most health insurance contracts, the insurer's medical insurance expenses will be paid in proportion, that is, the part of medical expenses exceeding the deductible will be paid by the insurer and the insured in proportion. You can pay according to a certain fixed proportion, or you can pay according to the cumulative proportion.
3. Payment limit, which specifies the maximum payment limit of the insurer's medical insurance premium.
sickness insurance
1. Features: independent insurance, observation period, practical disease protection, long insurance period, and one-time and multiple payment of insurance premium.
Second, the characteristics of claims: the disease meets the conditions stipulated by the insurance company, and the medical expenses spent meet the requirements of claims.
Cancer insurance
First, characteristics: mainly for cancer insurance, different cancer insurance provides different protection.
Second, the characteristics of the claim:
1. Once the cancer is diagnosed, pay immediately.
2. Payment methods are divided into one-time payment and process payment, in which process payment is based on actual needs and actual treatment costs, which can provide more special treatment guarantee for the insured.
The above is the insurance knowledge that Xiaonuo wants to share with you today, and buy a guarantee for his health. Don't panic and don't mess up when he is seriously ill!