Before starting, if some friends are not familiar with insurance knowledge, you can read this article: Super Complete! Everything you want to know about insurance is here.
Some friends may ask questions. If you already have social security, why buy commercial health insurance?
In fact, the answer is very simple, because the scope and amount of medical insurance reimbursement in social security are limited, which may not completely transfer the economic risks caused by serious illness, so commercial health insurance is needed to supplement it, and cooperation between two is the best solution.
Speaking of this, if there are still small partners who are not clear about the difference between social security and commercial insurance, let's take a look at this article first: Do you have to buy commercial insurance if you have social security? Can commercial insurance replace social security?
At present, the common commercial health insurance includes critical illness insurance and medical insurance.
Critical illness insurance, as its name implies, mainly protects major diseases. Once the insured is diagnosed as an agreed disease and meets the claim conditions, the insurance company will pay compensation according to the agreed insurance amount. Under normal circumstances, the premium paid by critical illness insurance is not limited to the use. It is up to consumers to decide whether to pay for treatment or make up for losses.
Medical insurance is a supplement to medical insurance, which can usually reimburse expenses that cannot be reimbursed by medical insurance, such as millions of medical insurance products, and also has the characteristics of low premium and high insurance coverage. In addition, some million medical insurance products also have value-added services such as green channel and proton heavy ion, which can help consumers solve the problems of difficult and expensive medical treatment to a certain extent, so as to better receive treatment.
It can be seen that both of them occupy an important position in consumers' lives and are necessary to buy.
Finally, the senior also arranged several million medical insurance products with high cost performance for everyone. Interested friends can have a look: the latest 10 million medical insurance rankings are freshly released!
Hope to adopt!
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