What does health insurance cover? Should I buy health insurance and how? I recommend reading this article "How much does health insurance cost a year? Is it worth it? Buy "
The following dad will introduce health insurance to everyone and how to choose:
I. Advantages of health insurance
At present, the onset period of major diseases in China is getting younger and younger, and the cost of treatment for serious diseases is often hundreds of thousands, which means that once a person encounters the onset of major diseases, it will bring great economic pressure to his family.
At this time, the advantages of critical illness insurance are reflected, and its role lies in income compensation, which can transfer the risk of economic loss to insurance companies.
The advantage of health insurance is that when the insurer suffers from illness or accident, he can get some compensation for extra medical expenses or losses.
It is precisely because of the different weights and guarantees of health insurance and critical illness insurance that consumers are advised to buy according to their own needs.
There is an article devoted to consumer critical illness insurance. Interested friends can learn about "10 consumer critical illness insurance evaluation: there is always a poke at you ~"
Second, the health insurance purchase strategy The following father explained the health insurance purchase strategy by taking the repeated payment of critical illness insurance as an example. We measure whether a product is worth buying from the following five aspects.
1, critical illness protection
The critical illness insurance in the market basically includes 25 kinds of legal critical illness, but we should focus on those major diseases with high incidence.
At present, there are six common high-incidence major diseases.
In group critical illness insurance, the distribution of high incidence and serious illness is the key.
Because the rule of multi-compensation for seriously ill groups is like this, generally, a group will terminate its security responsibility after paying for a disease.
Therefore, we must ensure that the high-risk and major diseases in the products are dispersed as much as possible.
2. Mild illness protection with high incidence rate
At present, there is no uniform regulation on high incidence and mild illness in China Banking and Insurance Regulatory Commission, China, so every insurance company has different standards for mild illness.
Whether the protection of a critical illness insurance is perfect depends on whether the high incidence and mild illness are included in the scope of protection.
If a critical illness insurance covers more high-incidence mild and moderate diseases, then the gold content of the product will be higher.
3. Exemption conditions
Many products on the market have exemption function for the insured, but from the economic point of view, the exemption function is not a steady profit, but more often it is just a gimmick.
Whether the applicant's exemption is cost-effective needs to be considered according to whether the applicant is in danger, what kind of danger and when.
Step 4 make sure you work hard
The protection of different products is different, and the compensation ratio is the most direct criterion to judge the quality of a product.
The higher the compensation ratio, the higher the corresponding compensation amount.
In the case of little difference in premiums, the higher the proportion of compensation for products, the better.
Third, summary If a friend still doesn't know how to choose health insurance, Dad has an article for you, hoping to help you. "The insurance strategy for health insurance, these tricks must be collected."
Insurance is not only a simple contract, but also the best guarantee to turn all kinds of uncertainty into certainty. Buying insurance is not only reassuring yourself, but also reassuring your family. So everyone must be cautious when choosing health insurance.