On the importance of commercial health insurance premium income from its substantial increase
According to the statistics released by the China Insurance Regulatory Commission, China's commercial health insurance is favored by consumers, and more and more people buy commercial health insurance. The importance of commercial health insurance is self-evident. If someone is unfortunately suffering from a serious illness, they need not only the cost of treatment, but also the cost of follow-up rehabilitation care, income loss, family economic loss and so on. So as long as one person in the family is seriously ill, the whole family will be dragged down. Commercial health insurance is so important, how should it be insured?
1. Read the insurance clauses carefully to understand the coverage and exemption clauses.
There are many kinds of health insurance in the market, but no matter what the product is, there will always be "insurance liability and exemption clauses" in the terms. When consumers buy insurance, insurance liability and exemption clauses are the contents that need special attention. The insurance liability tells the insured what to protect, and the exemption clause specifies what circumstances will not be compensated. How about PICC insurance? I just sorted out the relevant contents, hoping to help you: How is PICC China? Do you have any insurance recommendations?
2. Fill in the insurance policy patiently and be meticulous and realistic.
When filling out the insurance policy, the applicant shall fulfill the obligation of telling the truth. The insured's past medical history should be clearly informed to the insurance company, so as to know everything and say everything. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
3. The right to know the hesitation period.
Most insurance products have a hesitation period, and the insured only loses a little cost when he surrenders during the hesitation period; However, if you surrender after the hesitation period, you will lose part of the premium. Therefore, the insured should make rational use of the hesitation period to avoid unnecessary losses. Of course, the most important thing is to make a good decision and insure rationally when insuring.
To sum up, commercial health insurance is very important and can be considered if the economy permits. When you apply for insurance, you should read the insurance clauses carefully to understand the scope of protection and exemption clauses.
The article data reference comes from Netease Finance.
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