There are also many kinds of medical insurance subdivision, and different medical insurance can be insured according to different needs. It happens that dad has a medical insurance insurance strategy, hoping to help you "what is the best medical insurance?" This insurance is right! 》
1. What is hospitalization medical insurance?
Hospitalization medical insurance, that is, insurance that can reimburse the insured for reasonable medical expenses incurred in hospitalization due to illness or accidental injury, follows the "loss compensation principle".
According to the different payment standards, the hospitalization medical insurance in the market can be divided into: fee type, subsidy type and early payment type.
Second, the advantages and disadvantages of hospitalization medical insurance
Advantages:
1.？ Outpatient expenses cannot be reimbursed.
The deductible line of micro-medical insurance is usually 100 yuan, and the medical expenses beyond this part can be reimbursed.
2.？ Reimbursement is not limited to social security.
General hospitalization insurance, the insured can reimburse 60% of medical expenses even if there is no social security; There are also some products that can be reimbursed both inside and outside social security.
3.？ Wide coverage
Reasonable medical expenses can be reimbursed. Such as common fever, cold or allergy.
Disadvantages:
1.？ Low insurance coverage
The insured amount of hospitalization medical insurance is not high, and the insured amount is about 50 thousand yuan. If you have a serious illness and the medical expenses are more than 654.38+10,000 yuan, this guarantee is completely insufficient.
2.？ Difficult to renew insurance
Because the threshold of hospitalization medical insurance claims is low, it is easy to get out of danger. If you are in danger during the warranty period, it may be difficult to renew your insurance in the second year and the premium will rise.