Health insurance includes medical insurance and critical illness insurance. How to buy it depends on your needs. The contents of critical illness insurance and medical insurance are different. You can look at this photo:
It is generally recommended to buy medical insurance before buying commercial medical insurance. Medical insurance is the most basic guarantee. Not only is it cheap, but the requirements for insurance are also very low. Basically anyone can buy it. Commercial medical insurance is a supplement to medical insurance, covering all items that cannot be reimbursed by medical insurance, such as the cost of high-end treatment, imported drugs, special medical care and so on.
There are many kinds of medical insurance, such as millions of medical insurance, hospitalization insurance and cancer insurance.
Let's talk about these three functions:
1, millions of medical insurance
Almost every age group is suitable for buying millions of medical insurance. First of all, it is affordable, followed by a high amount of reimbursement, and there is no limit to the types of reimbursement. The annual premium is only a few hundred yuan, but it is really cost-effective to get millions of reimbursement. Moreover, its protection content is very comprehensive, such as bed fee, nursing fee, operation fee, medicine fee, material fee and so on. , can be reimbursed.
Let me analyze several representative millions of medical insurance for you:
As can be seen from the figure.
(1) Good medical insurance: 6-year guarantee renewal, not many products have such good renewal conditions. In these six years, the insurance company can let you continue to insure, whether it is claims, poor health or suspension of insurance products.
(2) Enjoy E-health: increase postoperative home care, special medical services for cancer, and increase the option of family deductible.
(3) Micro-medical insurance: Compared with the other two models, this model adds a value-added service: international secondary diagnosis and treatment. You can get professional written medical advice from international doctors.
From the above analysis, we can know that each product has its own characteristics. When choosing products, you should choose according to your own needs.
In addition, there are many millions of medical insurance products with good quality and low price. Friends who want to know more products can look at the original evaluation: "Top Ten Hot Medical Insurance Worth Buying"
2. Hospitalization medical insurance
The main characteristics of hospitalization medical insurance are: low deductible and low reimbursement. This kind of insurance is mainly used for outpatient reimbursement and is generally suitable for children under 5 years old or the elderly. Because children and the elderly have weak immunity, they are easy to catch a cold or have a fever. Relatively speaking, this kind of insurance has a greater effect on them.
3. Cancer medical insurance
Because millions of medical insurance and hospitalization insurance are mostly insured at the age of 0-60, the elderly can't be insured, but they can be insured with anti-cancer medical insurance.
Cancer medical insurance only pays for hospitalization or special outpatient treatment caused by cancer. The insurance age is longer than other medical insurance, and the health requirements are more relaxed. It is more suitable for people with minor problems or older people.
This price is greatly influenced by physical fitness and age. Here, we have collected several more affordable anti-cancer medical insurance, which you can refer to: conscience price! These anti-cancer medical insurance values! 》
Hope to adopt!
The same number on the whole network: Xueba said insurance, welcome to search!
Source: Xueba said insurance official website.