Hospitalization medical insurance refers to the health insurance that bears the insurance payment responsibility for all expenses incurred by the insured due to accidents or diseases, aiming at solving the problem of high expenses incurred by the insured due to hospitalization.
The premium price generally ranges from 300-500 yuan/year, and the prices of different products are also different.
General medical insurance will set a certain deductible, such as the common million medical insurance, the deductible is generally 6.5438+0 million yuan.
If you don't know the deductible, you can click on this detailed popular science article: What is the deductible? Is the deductible as small as possible?
For hospitalization insurance, the deductible is relatively low, generally 100 yuan, and the reimbursement threshold is lower than one million medical insurance.
However, it should be noted that the coverage of hospitalization insurance is generally low, generally around1~ 50 thousand yuan. If the insured is unfortunately suffering from a serious illness, the insured amount is obviously not enough.
Why is the insurance coverage so important? How much insurance should I buy? This article can tell you the answer: what is the appropriate amount of insurance? Can you tell me about the doorway inside?
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