Generally speaking, it is recommended to buy medical insurance before buying commercial medical insurance. Medical insurance is the most basic guarantee, and there is almost no requirement for insurance. Everyone can buy it, and the price is very cheap. Commercial medical insurance is a supplement to medical insurance, which can reimburse items that cannot be reimbursed by medical insurance, such as high-end treatment and special treatment.
At present, medical insurance can be divided into many kinds, including millions of medical insurance, hospitalization medical insurance and cancer prevention medical insurance.
Let's briefly talk about the differences between these kinds:
1, millions of medical insurance
Millions of medical insurance is suitable for people of almost all ages, because it has high reimbursement, but the price is very low, and there is no limit to disease reimbursement. The annual premium is several hundred yuan, but it is really cost-effective to get millions of reimbursement. At the same time, the coverage of millions of medical insurance is also very comprehensive, such as bed fee, nursing fee, operation fee, medicine fee and material fee. , can be reimbursed.
Next, I will analyze several representative millions of medical insurance for you:
You can learn from the pictures.
(1) Good medical insurance: This insurance is guaranteed to be renewed for 6 years, and it is the best one at present. During the six-year period, we will not refuse to insure or increase the premium because of the suspension of product sales or changes in health status.
(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 has an additional value-added service: international secondary diagnosis and treatment.
As can be seen from the above, each product has its own product characteristics, and it should be selected according to its own needs when purchasing.
In addition to these models, there are many millions of medical insurance products worth buying. You can look at the original text, which has a more detailed evaluation and analysis: "Great value! Super cost-effective millions of medical insurance. "
2. Hospitalization medical insurance
This kind of medical insurance is characterized by low deductible and low living allowance. This kind of insurance is mainly used for outpatient reimbursement, which is suitable for people, mainly infants or the elderly. Because children and the elderly are in poor health, they are more likely to catch a cold and have a fever. For me, this insurance has a greater effect on them.
3. Cancer medical insurance
Because the maximum insured age of million medical insurance is about 60 years old, the elderly can't be insured, but they can be insured against cancer.
The coverage of anti-cancer medical insurance is aimed at cancer. The health information of this insurance is relatively loose, and the insurance age is also relatively wide. It is more suitable for people with minor problems or older people.
This price is greatly influenced by physical fitness and age. Here are several anti-cancer medical insurance products with higher cost performance and better protection. Interested parties can have a look: "Great value! A large inventory of cost-effective anticancer medical insurance products. "
Hope to adopt!
The same number on the whole network: Xueba said insurance, welcome to search!
Source: Xueba said insurance official website.