0 1 How much is the commercial medical insurance for one year?
Commercial medical insurance is a name different from social security, which refers to profitable medical security operated by insurance companies. Consumers pay a certain amount of insurance money, and they can get certain medical expenses from insurance companies when they encounter major diseases.
There are many kinds of commercial medical insurance products. Generally speaking, there are accident medical insurance, critical illness medical insurance and hospitalization medical insurance. The annual premium is around 300 yuan, depending on the product situation. So is commercial medical insurance worth buying? What's the difference between it and social security? You can read this article I wrote before. How to use social security medical insurance? 1. Teach you how to apply for reimbursement!
How to buy commercial medical insurance?
When purchasing commercial medical insurance, we should consider the stability of the product, whether the renewal conditions are relaxed, whether the insurance will affect the subsequent renewal and so on. Renewal is an important part of this short-term insurance product, and the failure of renewal has a great impact on future protection.
If you have the guarantee renewal right, the insured's guarantee renewal right will not be terminated because of the suspension of insurance. In order to avoid the above problems, we can learn about long-term medical insurance: what are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020
Which product is better for commercial medical insurance?
The following is a comparative evaluation of one-year million medical insurance and guaranteed renewal million medical insurance.
Considering renewal: Ping An Health E Life Insurance Renewal Edition 2020
Compared with the general medical insurance, its coverage period is obviously longer, reaching 6 years, and Ping An is a big company, and everyone knows it, but the premium is relatively high.
Consider renewal and like big companies: electronic life insurance renewal edition 2020
Backed by peace, the company has a strong background. If you want to know more, you can read this article. Is China safe? Do you have any insurance recommendations?
If it is the pursuit of low premium: consider e-student mutual benefit.
It is the lowest premium among the above-mentioned popular products, and it only needs 160 yuan, which can reach1million. At the same time, Pratt & Whitney's health information is very loose, and people with three highs can also be insured.
If you pursue 0 deductible: enjoy the 0 deductible version of Zhongan Insurance Electronic Health.
If it takes a long time to pursue emergency outpatient reimbursement before and after hospitalization, you can consider Ping An E Life Insurance 2020, which can be reimbursed within 30 days before and after hospitalization.
Let me summarize.
The above is a detailed introduction of commercial medical insurance. You can look at the specific premium of commercial medical insurance for one year. Generally speaking, the price of one million medical insurance is not high, but the insured amount is not low, and the minimum can reach 654.38+00,000. The insurance leverage of commercial medical insurance is still very high, which is what everyone needs to configure. Although there is social security, it can only be the most basic guarantee. The shortage of social security needs commercial insurance to make up for it.