Medical insurance in social security mainly reimburses outpatient and hospitalization expenses in proportion. In addition, the state has clearly defined the scope of medical insurance, which can be reimbursed and which need to be paid at their own expense.
Daily ailments can basically be solved through medical insurance. However, for major diseases that need to be treated with imported drugs and self-funded drugs, the cost of treatment and later care is quite high, generally between 200,000 and 500,000. If it is borne by individuals, the pressure is very great for most families.
And a serious illness often takes 3 to 5 years to fully recover. During this period, the income was interrupted and the expenditure increased, which is also a difficult problem for social security. This needs to be shared through commercial insurance.
Health insurance is generally divided into medical insurance and critical illness insurance. Under the new regulations, we have evaluated more than a thousand critical illness insurance products and screened out the best ten critical illness insurance products on the market. New definition of critical illness ranking announced! The first place is it! 》
For critical illness insurance, when a disease is diagnosed by the hospital, it will pay the agreed amount of insurance money, and then independently manage how to use this insurance money, whether it is for treatment, rehabilitation care, or to make up for interrupted income and achieve other financial goals.
In terms of medical insurance, it is divided into ordinary, mid-range and high-end medical care to meet the needs of different groups of people for medical level and medical environment. For example, you don't have to wait in line to register, you don't have to look at other people's faces, you can live in a private ward and have more comfortable medical services. High-end medical insurance is a good choice. For some cooperative hospitals, you don't even have to pay for it yourself. Insurance companies can directly settle accounts with hospitals and reimburse drugs not covered by medical insurance. These are problems that medical insurance can't solve at present.
Social security and business maintain their respective functions and positioning, and both share the losses caused by risks to people to varying degrees, so even with social security, health insurance should be purchased.
Since its establishment, Minbaobao has been committed to the application of artificial intelligence technology and big data in insurance sales, and has helped tens of thousands of families to successfully configure their own insurance plans. "heavy! New definition of critical illness ranking announced! The first place is it! 》