Social security is not covered, and commercial health insurance is needed to supplement it!
According to the different insured objects, commercial health insurance can be divided into group health insurance and individual health insurance. The so-called group health insurance refers to the health insurance with the group legal person as the insured and the group members as the insured. It is generally used for medical welfare projects provided by the unit for employees, and the insurance operation is relatively simple. The premium can be set according to the number of participants. Compared with group health insurance, individual health insurance is a health insurance with a single natural person as the insured, which is usually applicable to every ordinary population and can be used as a powerful supplement to social security. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: the national social security medical insurance application reimbursement process in 2020!
According to the different coverage, the types of commercial health insurance include critical illness insurance, medical insurance, disability income insurance and nursing insurance. Among them, critical illness insurance, also known as disease insurance, mainly provides protection for specific diseases agreed in insurance contracts. Medical insurance is mainly to compensate the insured for medical expenses incurred due to illness, which usually covers outpatient expenses, medicine expenses, hospitalization expenses, nursing expenses, hospitalization miscellaneous expenses, operation expenses, various inspection expenses, etc. Disability income insurance mainly compensates for income loss caused by illness or accidental injury, that is, when the insured is temporarily or permanently disabled and unable to work due to injury or accidental injury, he can get regular income compensation. Income compensation is usually paid in the form of a fixed monthly allowance. Nursing insurance is a kind of health insurance, which is based on the needs of the insured for nursing after losing the ability of daily living. The reasons for losing the ability of daily living are generally illness, accident or old age. How to buy critical illness insurance? Regarding the choice of fixed term or life, I just sorted out the relevant contents, hoping to help you: save money! Buy critical illness insurance for 30 years or for life, so choose!
If commercial health insurance is classified according to the payment method of health insurance, it can be divided into four types: fixed payment type, subsidy payment type, cost compensation type and service provision type, among which fixed payment type is more common in commercial critical illness insurance. As long as the insured is diagnosed as a serious illness as stipulated in the insurance contract, he can get the payment of the serious illness insurance at one time, and the insurance contract ends here. Allowance payment is common in commercial hospitalization insurance products, mainly to provide additional economic compensation for the lost time and treatment expenses incurred by the insured during hospitalization. The cost compensation type refers to the commercial health insurance that is reimbursed for sales, which is relatively common, while the insurance that provides services generally refers to the insurance that adds some medical services, such as regular dental examination and maintenance, which is usually relatively high-end and suitable for people with high requirements for health protection. What are the good recommendations for critical illness insurance? I just sorted out the relevant content, hoping to help you: the latest list! Top critical illness insurance list of national insurance companies!
According to the different forms of insurance contracts, the types of commercial health insurance can be divided into main insurance and additional insurance. The main insurance contract means that health insurance can be issued independently to cover income loss or medical expenses caused by accidents or diseases, or both types of losses. Additional insurance contract means that health insurance cannot be issued separately, but can only be used as additional insurance.
Bao Ge tip: What kinds of commercial health insurance are there? To sum up, it can be seen that different types of insurance will be different, and the contents of health protection provided by different types of insurance are also different. Therefore, when we look at this problem, we should not only understand the classification methods of insurance, but more importantly, we should choose according to our own health protection needs.