Health insurance refers to the direct expenses or indirect losses caused by the insured due to illness or accidental injury, and the insurance company pays the insurance money according to the contract. The classification of health insurance is varied, generally covering critical illness insurance, medical insurance, long-term care insurance and so on. And the protection content of different insurance products is different. There are unsustainable hidden dangers in the basic medical insurance system, and the development of commercial health insurance can enhance individuals' sense of self-responsibility.
Reduce the psychological expectation that medical security depends on the government, promote the establishment of a tripartite burden mechanism, and promote the sustainable development of the medical security system. Health insurance can meet the needs of individual self-payment and basic medical insurance self-payment, make up for the shortage of basic medical insurance, thus reducing the medical burden of the masses and alleviating the problem of "expensive medical treatment".
Matters needing attention in insuring medical insurance products
1, insured amount
When buying critical illness insurance, the coverage must be sufficient. Unfortunately, if you suffer from a serious illness, the insurance coverage you choose is too small to completely transfer the economic risks brought by major diseases, and you will not be able to play the due role of critical illness insurance. The coverage of critical illness insurance should cover the treatment expenses of critical illness, the basic expenses of families in the next few years, the expenses of raising children and education, the expenses of parents' support and medical treatment, and the expenses of self-rehabilitation treatment.
2. Warranty period
If people with limited income want to get critical illness insurance, it is recommended to buy a one-year critical illness insurance transition, and the premium is cheap. After the income is improved and stabilized, consider switching to regular or lifelong critical illness insurance.