1, compensation in kind. This is completely different from the cash compensation that many people imagine. The insured must know that after participating in commercial medical insurance, they need to go to the hospital for medical treatment after getting sick, in order to enjoy the benefits brought by commercial medical insurance. Although the purpose of commercial medical insurance is to give the insured economic compensation, it is presented to the insured in the form of medical services. In other words, even if you are hospitalized, you will not get cash compensation, but use the cash to buy medical services. This is the first thing that everyone should understand, because it is directly related to how to realize personal interests.
2. Non-fixed remuneration. This is another major feature of commercial medical insurance. The insured can enjoy medical treatment and services in the hospital after illness, and their economic level or social status will not affect medical treatment. However, due to different diseases and conditions, the amount spent by each patient is different, and the compensation obtained by insurance companies is also different. At this point, the insured must also know that the higher the insurance price you buy, the more compensation you will get. The amount of compensation is determined by the illness, not the insured amount. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Bao Ge reminded: Commercial medical insurance mainly has two characteristics, one is compensation in kind, and the other is non-fixed compensation. The insured can enjoy medical treatment and services in the hospital after illness, and their economic level or social status will not affect medical treatment.