At present, the common health insurance on the market is divided into medical insurance and critical illness insurance. Medical insurance is divided into basic medical insurance and commercial medical insurance. Basic medical insurance is universal medical insurance, and everyone can participate in it. This is the welfare given to us by the state. But commercial medical insurance is entirely up to you. So if you are considering buying commercial medical insurance, you need to pay attention to the classification of commercial medical insurance.
1. Low-end medical insurance: low premium, small coverage (only medical expenses in medical insurance can be reimbursed).
2. High-end medical insurance: the threshold is relatively high, with a general deductible of 1 000, but the insurance coverage is high (generally several million), covering a wide range (including both social security drugs, imported drugs, self-funded drugs, outpatient surgery, etc. ). Medical insurance is mainly aimed at outpatient and hospitalization expenses. Whether it is an illness or an accident, it must be based on the occurrence of reasonable and necessary medical expenses, without additional reimbursement.
Critical illness insurance is insurance against major diseases. Once the insured is diagnosed as a major disease agreed in the insurance contract and meets the conditions, the insurance company will pay a fixed amount of insurance money according to the conditions agreed in the contract. It doesn't matter how much you spend, so sometimes the compensation will far exceed your medical expenses.
Seeing this, I think many friends will ask, can high-end medical insurance replace critical illness insurance? It seems that their functions are similar. The answer is: no! Our medical insurance belongs to the nature of fixed loss compensation and can only be used for treatment. Critical illness insurance is a fixed payment and has a certain compensation effect. If you are the pillar of your family, if you get sick, it will cause great losses to your family income. At this time, critical illness insurance can effectively help you alleviate economic pressure.
Other matters needing attention in purchasing health insurance.
First, the types of health insurance. The health insurance mentioned above includes many types, such as medical insurance, sickness insurance and nursing insurance. At present, the products sold in the market are mainly medical insurance and illness insurance, which is what we usually call million medical insurance and critical illness insurance. However, I bought it to meet my own needs.
Second, the scope of insurance. Medical insurance is to treat the disease first and then compensate. In other words, first go to the hospital to see a doctor, then pay the medical expenses yourself, and then take the medical documents to the insurance company for reimbursement.
Sickness insurance means that the customer is diagnosed with an agreed disease, and if it meets the health notice, the insurance company will pay the agreed amount.
Third, the insurance period. Under the condition of personal economic strength, the longer the guarantee period, the better, but the longer the payment period, the greater the financial pressure.
Fourth, consider your own needs. If you are a middle-aged person with social security, it is recommended to give priority to critical illness insurance, and choose one that suits you from the numerous critical illness insurance types on the market. If you are a middle-aged person without social security, hospitalization medical insurance is essential when purchasing health insurance.
Fifth, choose a well-known and powerful insurance company. Customers can know the solvency of insurance companies according to the evaluation results of authoritative rating agencies, as well as the annual reports and major announcements published by insurance companies. The sooner you do it, the better. The older you get, the higher the risk, and the higher the threshold set by insurance companies. Compared with other insurances, health insurance has higher requirements for health. With the same physical condition, there is no problem with old-age insurance, but health insurance may increase the cost and may refuse insurance, so it is necessary to take out insurance as soon as possible. Seeing this, I think everyone should have a preliminary understanding of health insurance. If you are already considering buying health insurance, you should pay attention to and consider the precautions just mentioned. Configure a health insurance, and you won't be caught off guard when an accident comes. If you are still confused about how to insure, you can do a test to help you make an all-round evaluation, tailor the plan according to your problems and needs, and find professionals. Know how much it costs to see a doctor and get a guide to health risk protection. Help you save money and choose the right insurance!