Is this product really available? In fact, the product with this function is medical insurance, but no product can reimburse all expenses. Medical insurance is already a very good insurance product with low cost and high insurance coverage. Of course, there are certain restrictions on reimbursement.
Today, I will tell you about products such as medical insurance.
1. What is medical insurance? What's the difference with social security?
Medical insurance is simply medical expense reimbursement insurance, which reimburses your medical expenses within a limited scope.
Since medical insurance is reimbursement, how much the insurance company can compensate depends on how much you actually spend, and the amount of compensation will not exceed the cost of treatment.
Because social security has a deductible line, below a certain amount, it can only be paid entirely by itself, and there are certain restrictions on the proportion of compensation. The part that exceeds the compensation ratio needs to be borne by ourselves, and the reimbursement amount is limited, which can only help us solve the basic medical expenses. We can't see a doctor without care.
Therefore, in order to avoid the occurrence of disease risks, social security+commercial medical insurance is the best choice.
Commercial medical insurance is a supplement to social medical insurance. Most of the commercial medical insurance has the characteristics of low premium and high security, and it is a kind of insurance widely insured by people.
2. What does medical insurance cover?
General medical insurance mainly guarantees the general medical expenses of the insured for treating diseases, including outpatient expenses, medical expenses and examination expenses. This kind of insurance has low premium and is more suitable for families with average income.
Because it is difficult to control the expenditure of medical expenses and examination expenses, such policies generally have the provisions of deductible and proportional payment. The insurer pays a certain percentage (such as 80%) of the above deductible, and the insurance premium is updated once a year. Every time the expenses incurred due to illness exceed the insured amount, the insurer will no longer bear the insurance liability.
Deductible is the amount that the insurance company will not pay. If the cost of treatment does not exceed this amount, the insurance company will not pay. And if the total amount of multiple payments exceeds the insured amount, then the insurance can be said to have lost its protection function and the insurance company will not pay again.
The content of hospitalization medical insurance is that the expenses of hospitalization insurance mainly include the daily hospitalization room expenses, the doctor's treatment expenses during hospitalization, the expenses of using hospital equipment, the operation expenses and the medical expenses. The length of hospitalization will directly affect the cost.
Therefore, the insured amount of this kind of insurance should be determined according to the average hospitalization expenses of patients. In order to control unnecessary long-term hospitalization, such insurance policies generally stipulate that the insurer is only responsible for a certain proportion of all expenses, that is, it generally does not reimburse all expenses.
In short, commercial medical insurance, as the insurance we often contact, should focus on its coverage content and see what it protects and what it does not protect. After all, the coverage of each commercial medical insurance is different.
3. What are the classifications of medical insurance?
According to the amount of compensation, the current medical insurance on the market is mainly divided into four categories: general medical insurance, millions of medical insurance, interrupted medical insurance and high-end medical insurance.
1, general medical insurance
Low coverage (1-50,000) and low deductible (ranging from 0 to several hundred), which mainly solves the hospitalization expenses of some common ailments. Hospitalization for common ailments, accidental hospitalization, self-funded drugs and outpatient expenses can all be reimbursed through general medical insurance.
Such products are more suitable for preschool children with poor resistance or adults with poor resistance who don't want to pay for troubles in different places.
2. Millions of medical insurance
The insured amount is high, ranging from several million, and the deductible is also high, about 1 10,000. In terms of reimbursement, hospitalization expenses can be reimbursed if they exceed the deductible line, generally not limited to the type, degree and treatment of the disease.
Suitable for people: children, adults and the elderly can be insured, with an annual premium of 200-300 yuan.
3. Mid-range medical insurance
The insured amount is high, ranging from several million, the premium is also expensive, ranging from thousands to tens of thousands, and the deductible is low. The scope of reimbursement can be extended to some designated private hospitals, and direct payment services will also be provided. It mainly focuses on solving the problems of front-end experience and medical resources.
Suitable for the crowd: middle-class families who value special medical care in public hospitals and have good economic conditions.
4. High-end medical insurance
There is no upper limit on the insured amount and the premium is expensive. The deductible is 0 or 25,000 yuan, providing quality medical services. At present, there is no good high-end medical insurance in Chinese mainland, so we need to buy it in Hongkong.
Suitable for people: elite people who pay attention to medical experience and high net worth people.
Fourth, how to configure medical insurance?
After understanding the characteristics of various medical insurance, the next step is how to configure it.
For different groups of people, "different insurance+medical insurance" can be configured as follows:
1, basic package A= million medical insurance+accident insurance: suitable for young people with low budget and good health.
2. Basic package B= million medical insurance+general medical insurance: two complementary and non-conflicting medical insurance, suitable for people with special security needs.
3. Standard package C = A/B package+critical illness insurance+term life insurance: standard adult protection configuration.
4, high-end package D= standard package C+ high-end medical insurance: suitable for high-income groups with sufficient budget and want comprehensive protection and quality service.
5. Special Package E= Anti-cancer Medical Insurance+Million Medical Insurance: Suitable for people who have passed the insurance age or have special protection needs.
Verb (abbreviation of verb) Matters needing attention in purchasing medical insurance
There are various medical insurance products on the market. You should pay attention to these points when choosing medical insurance:
1, security content
General medical insurance will include the following basic guarantees: general hospitalization, special outpatient service, outpatient surgery and emergency treatment before and after hospitalization.
Although everyone has these basic guarantees, the strength or limitations of protection may be quite different:
Days of hospitalization: Some products have no limit on the number of days of hospitalization, and some products will require that the annual reimbursement of hospitalization expenses should not exceed 180 days;
Special outpatient service: individual products will set an annual limit for special outpatient service, such as not exceeding 20% of the basic insured amount;
Therefore, when you choose medical insurance, don't just read "hospitalization expenses can be reimbursed" and "special outpatient expenses can be reimbursed" on the publicity page, but also click on the product terms to see if there are any relevant restrictions.
2. Deductible
This depends on personal circumstances. If you can bear part of the risks yourself, you can consider 10000 deductible or even higher. If the ability to resist risks is low and you want to cover risks to the greatest extent, you need to choose products with low deductibles.
Another situation is that children want to buy health insurance products for the elderly at home, and their main appeal is to have certain economic compensation when there are large medical expenses.
3, renewal conditions
It is best to choose medical insurance products with guaranteed renewal clauses. Note that it is "guaranteed renewal", not "renewal to 99/ 100 years old" as stated in the leaflet.
At present, a few products can be guaranteed to be renewed for 5-6 years. During this period, whether you are sick or not, whether you have made claims or not, and whether the product is discontinued or not, it will not affect the renewal of insurance and will not increase the premium.
4. Value-added services
In addition to basic protection, medical insurance may also add a lot of value-added services.
Practical value-added services: payment in advance, reimbursement for drug purchase, green channel for medical treatment, etc. The content of this part can be paid attention to and compared.
Finally, the risk is unpredictable. A serious illness can empty our savings for decades. It is better to choose the appropriate insurance in advance than to sell the house and car at that time. If you really encounter misfortune, you can also make yourself more confident in the face of huge medical expenses.
If you want to choose the medical insurance that suits you, you must find a professional insurance broker to provide services for yourself and configure the medical insurance that suits you best. You can search for Baibaojun in Baidu, and there are screened national excellent insurance brokers on Baibaojun platform.