Specific clauses of popular science health insurance
Because without a healthy body, we have no energy to study, work and realize our dreams. If you want to have a healthy body, health insurance is essential. So, what special terms do you need to know when you apply for health insurance?
Although health insurance can be divided into different types according to different nature, such as medical insurance, disability income loss insurance, sickness insurance and long-term care insurance. Some special terms of health insurance products are the same, and the insured must have a certain understanding of these special terms. So, what are the special terms of health insurance? The special clauses of health insurance include payment limit clause, proportional payment clause, deductible clause, beneficiary clause, medical examination clause and waiting period clause, also known as observation period clause. I just sorted out the relevant contents about buying insurance for physical examination, hoping to help you: Do you need a physical examination before buying insurance?
Among them, the compensation limit clause means that the insurance company sets the maximum limit on the medical expenses and service volume of the insured; The proportional compensation clause means that when the insured's medical expenses exceed the maximum limit of medical expenses and services stipulated by the insurance company, the insurance company will compensate the insured and the insurer equally. The deductible clause refers to the medical expenses incurred by the insured when the accident insured by insurance needs treatment, and the insurance company is only responsible for compensating the medical expenses that exceed the deductible; Beneficiary clause when the insured dies, his insurance money will be inherited by the legal heir as an inheritance; The medical examination clause means that the insurance company requires the insured to go to the designated hospital for medical examination, and can only apply for insurance after passing the medical examination, so that the insurer can confirm the validity of the claim and the specific compensation amount; The waiting period clause, also known as the observation period clause, means that the insurance company will not compensate the insured even if he suffers from the diseases guaranteed by the insurance contract during the waiting period, so as to reduce the adverse selection of the insured and control the moral hazard. The waiting period for general health insurance is 90 days-180 days.
The above are the unique terms of health insurance, I hope it will help you.
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