Hello! Medical insurance card refers to a form of health insurance, which belongs to one-year short-term insurance. Health insurance refers to the guaranteed insurance with personal health as the target.
I recommend several health insurance principles for your reference:
First, give priority to hospitalization medical insurance. Medical risks are mainly outpatient medical risks and hospitalization medical risks, the most important of which is hospitalization medical risks, so consumers should give priority to hospitalization medical insurance. When consumers buy hospitalization medical insurance, it is best to choose hospitalization medical insurance products with the function of ensuring renewal, so that they are in an active position when renewing insurance.
Second, it is best to choose medical insurance with fixed payment. Fixed compensation medical insurance pays according to the insurance amount agreed in advance, so the insurance company's claim amount may be higher or lower than the actual expenditure, and consumers can use the higher part to pay for nutrition, lost time, travel expenses, companionship and nursing expenses. Moreover, the medical insurance claims with fixed payment generally do not need original invoices, and the procedures are simple and it is not easy to cause claims disputes.
Third, medical insurance has an age limit. For commercial medical insurance, insurance companies have different regulations on the minimum age of insurance, generally ranging from 90 days after birth to 16 years old, while the maximum age limit is roughly the same, generally not exceeding 65 years old.
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