At present, the proportion of white-collar workers in mainstream cities in China is as high as 76%, the proportion of white-collar workers who are overworked is close to 60%, and the proportion of truly healthy people is less than 3%. Among them, white-collar women are more prone to gynecological, cardiovascular and cerebrovascular diseases, while men are faced with sudden death, overwork, cancer and other problems! In general, the price of critical illness insurance for women is more affordable than that for men. What good insurance recommendation is suitable for women? Take stock of the top ten critical illness insurance that women are worth buying in 2020!
China citizens' awareness of health insurance needs to be improved.
Health is like the number 1. Career, family, status and money are all zero. With 1, the more zeros behind, the richer you are. On the other hand, there is nothing. It is undeniable that health is the capital of life "1". However, in the fast-paced life of modern cities, threats from health are everywhere. Environmental pollution is becoming more and more serious, work pressure is increasing day by day, and food safety is not guaranteed ... In this "sub-health" era, the incidence and rejuvenation trend of major diseases such as cancer are also increasing step by step, and medical security has become a "national issue" that must be squarely addressed. So what is the importance of buying it?
First, social security is "guaranteed but not covered"
Frankly speaking, China's social medical insurance system is the welfare embodiment of national individual medical care and pension. Strictly speaking, it is a low-level basic guarantee. Although the government has repeatedly promoted social system reform and expanded public services through new social security policies, more and more people have access to medical care, but social security is still guaranteed. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!
First of all, there is a limit on the amount of social security medical reimbursement. "There is a threshold below and a cap above." Social security only pays the expenses above the deductible, below the maximum amount and within the scope of reimbursement. Secondly, the scope of reimbursement is limited. Most new drugs, imported drugs, expensive drugs, some diagnosis and treatment projects and medical service facilities are not in the social medical insurance coverage. In addition, some recurrent expenses incurred during illness, such as nutrition expenses and nursing expenses, cannot be counted.
The treatment of serious diseases ranges from hundreds of thousands to hundreds of thousands. Such a huge medical expense is not affordable for everyone. Due to the large gap in the cost guarantee of serious illness, it is difficult to maintain treatment only by social security. Even after the treatment is completed, the patient's aftercare and long-term care costs will still cause a heavy economic burden to many families. In this case, it is not only wise but also urgent to plan the insurance for major diseases and medical care as soon as possible.
Second, the "trap" of commercial insurance to social security.
Objectively speaking, with the innovation of medical technology, major diseases are no longer "incurable diseases", but their treatment is still a "protracted war". Timely treatment can win the final victory, but the subsequent treatment costs, nursing costs, lost time and mental stress are unbearable for many families for a long time.
How to avoid "returning to poverty due to illness"? It is considered to be one of the most scientific and effective ways to transfer part of the pressure and risk of medical expenses with the help of commercial health insurance.
As a beneficial supplement to social basic medical care, health medical insurance can provide effective support for the medical expenses, rehabilitation and nutrition expenses of the insured and their families on the one hand, and reduce the pressure of the insured's pension planning on the other hand. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020
Third, plan early and arrange skillfully.
It should be pointed out that a family has different needs and preferences for different individuals or families, and there is no need to blindly pursue "big and comprehensive" and "catch all the health insurance products". In the specific planning and allocation, you can comprehensively consider your age, occupation, social security status, health status and other factors.
It should also be noted that the initial age limit for most commercial health insurance is 55. Although some medical and health insurance is limited to the age of 60, the total amount of compensation at this time may exceed the insured amount, and the effect of protection is relatively limited. Considering this age limit and the premium expenditure proportional to age, it is suggested that the insured in need plan insurance as soon as possible.
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China people's health big data is terrible, and national health awareness needs to be improved!
After the release of China People's Health Big Data, major media websites forwarded it one after another. Recently, many people began to share their circle of friends through platforms such as WeChat and Weibo. China people's health problems have reached a point where they are not optimistic. According to statistics, the number of people who die of karoshi due to excessive work pressure in China reaches 600,000 every year, which has surpassed Japan to become a "karoshi" country.
A case tells you the importance of health insurance for your baby.
The most painful thing for parents is to watch their children get sick and suffer, but there is nothing they can do. Seeing the child suffering from illness, I really want to pass the pain on to myself. This is the wish of most parents. Leukemia is the most common malignant tumor in childhood, with an incidence of about 3/100000, that is, about10.5000 children suffer from leukemia every year in China. The treatment time is long, and the treatment cost is tens of thousands to hundreds of thousands.