Hello! Frequent overtime and heavy work pressure are the living conditions faced by white-collar workers, and the health problems caused by them can not be ignored. In order to improve your health protection for office white-collar workers, it is necessary to buy appropriate health insurance in time.
How should office white-collar workers buy health insurance?
1. If you have social security, you should pay attention to the requirements of deductible and reimbursement ratio when purchasing commercial medical insurance to make up for the low reimbursement ratio of social security, and you should also pay attention to serious illness.
2. Pay attention to the age limit of insurance. Different insurance companies have different regulations on the minimum insurance age. According to different types of insurance, the minimum insurance age generally ranges from 90 days after birth to 16 years old. However, the maximum insurance age stipulated by various insurance companies is roughly the same, which is 65 years old. If your age is not within this range, generally speaking, you are not suitable for insurance. The younger you are, the less the premium will be. It is recommended to take out insurance as early as possible.
3. When concluding an insurance contract, you should truthfully state your current physical condition and past medical history to the insurer, so that the insurer can judge whether to accept insurance or under what conditions. Some inpatient medical insurance clauses clearly include some serious diseases (such as congenital diseases, leukemia, etc. ) is within the coverage. So don't conceal the medical history, otherwise the insurance contract will be invalid, and even if there is an insurance accident within the scope of responsibility, the insurance company will not fulfill its obligation to pay compensation.
30-year-old office white-collar workers need a formal insurance platform to choose the right health insurance. It is an e-commerce platform that provides professional health insurance, hoping to provide you with more choices.