The purchase of health insurance can give priority to medical insurance and sickness insurance. We can design a product combination scheme of micro-medical insurance, millions of medical insurance and critical illness insurance, and then consider disability income loss insurance and nursing insurance to make up for the expenses when disability or nursing is needed in the future and transfer family economic risks.
Medical insurance refers to the insurance that provides protection for the medical treatment and rehabilitation of the insured according to the insurance contract. Medical insurance covers a wide range, whether it is hospitalization for minor illness, hospitalization for serious illness, surgery, etc. , within the scope of its protection, can supplement the rest of the medical insurance reimbursement. Some medical insurance products can also reimburse medical expenses beyond the scope of medical insurance, such as imported drugs and self-funded drugs, which can reduce the economic burden of minor illnesses and serious illnesses in families.
Medical insurance products can be divided into small medical insurance, millions of medical insurance, mid-range medical insurance and high-end medical insurance. Different insurance products have different protection responsibilities and payment conditions.
Sickness insurance is a life insurance with the occurrence of agreed diseases as the condition of payment of insurance benefits, which has the following characteristics:
1) The payment conditions of insurance benefits are only based on the diagnosis results of the disease, and have nothing to do with the treatment behavior or the occurrence of medical expenses;
2) The main product type of sickness insurance is critical illness insurance;
3) In order to prevent the insured from insuring against diseases and reduce the risk of adverse selection, the disease insurance contract usually has a waiting period.
Critical illness insurance is mainly aimed at some serious diseases that threaten life safety or cost a lot. Once the payment conditions agreed in the contract are met, an insurance premium will be paid. The premium paid by critical illness insurance has two main purposes: on the one hand, it pays the insured high medical expenses due to illness, disease state or surgical treatment, and bears the later rehabilitation expenses and nutrition expenses; On the other hand, it provides financial security for the insured after illness, so as to avoid the insured family from falling into financial difficulties as much as possible and make up for the income loss caused by the interruption of work due to illness.
Critical illness insurance can be divided into one-year critical illness insurance, periodic critical illness insurance and lifelong critical illness insurance according to the insurance period.