With the development of society, people have a new understanding and acceptance of insurance. This understanding also makes the development of the insurance industry is more and more extensive, for example, health care is also involved in the insurance, of course, the benefit of this is that if you are sick and hospitalized can get timely treatment as well as reduce the burden of medical costs. First, why buy commercial medical insurance reason one nowadays the age of serious illness is getting younger and younger, whether it is the people around or a variety of celebrities, countless examples are proving that serious illness is not as far away from us as we think. And now the environmental pollution is very serious, coupled with the pressure of people's life is also getting bigger and bigger, the pace of life is also getting faster and faster, poor personal habits and genetic factors, the incidence of serious illnesses is getting higher and higher. In fact, as long as people are alive, there will be health problems, according to the survey shows that the proportion of a person who suffers from serious illness is 72.18%. Reason 2 Some people ask why they need to buy critical illness insurance when they have medical insurance. To put it in layman's terms, social security is just rice, while commercial insurance is the dish. If you want to get more extensive and comprehensive protection, then commercial insurance such as critical illness insurance is indispensable. Medical insurance and social security can only provide the minimum standard of medical services in the local area, and you cannot choose a hospital outside of the country that is more suitable for you, nor can you use the more advanced medicines and medical equipments that are not designated by the social security. At the same time, you have to bear the nutritional costs, out-of-pocket medical expenses and other expenses. Reason three to buy a major disease insurance, because commercial major disease insurance claims can be paid in advance, as long as the insurance terms and conditions of the coverage can be a one-time access to the insurance company's claims, not only do not need to advance their own medical costs after the disease, and more importantly, to reduce the burden of personal medical expenditures. Second, the importance of commercial medical insurance 1, to make up for the shortcomings of social security. As the social security can only provide people with a certain amount of subsidies to give people the most basic protection, but a large part of the cost of treatment still need to be paid first and then reimbursement. The amount of reimbursement is limited, and there is no compensation for death caused by disease. Commercial medical insurance is the lack of medical insurance to improve the protection of major diseases, for people who do not have medical insurance, critical illness medical insurance is particularly important. For those who do not have medical insurance, critical illness medical insurance is especially important. For those who are covered by medical insurance, critical illness medical insurance can be a necessary supplement. So you can choose a commercial medical insurance to make up for the shortcomings of social security. Many commercial medical insurance claims do not conflict with social security, which is especially popular among many people. 2, can let people have medical treatment in their old age. As people's ability to resist the risk of disease gets worse with age, purchasing commercial medical insurance will not only enable the insured to obtain the treatment costs of disease diagnosis and treatment, but also alleviate the loss of working ability and future income due to major illnesses and reduce the huge economic impact on the family. In this way, it can ensure that the old people have a sense of security and medical care, thus improving their motivation to live and work. 3, with the function of return. Some insurance companies have introduced medical insurance premium products will be returned in various forms, which can enable the insured's life can be organized in a planned manner, and all the unexpected impact and insecurity will be borne by the insurer, so that the insured can have peace of mind. Third, the main problems of commercial medical insurance The most prominent problem of the current commercial medical insurance is the high price and low level of protection. Although the price of medical insurance exceeds the affordability of the people, many insurance companies operating this business are still losing money, mainly due to two phenomena: First, adverse selection, that is, the insured only go to the insurance company when they learn that they have a disease, and by all means to conceal the insurance company's examination, the insurance company is forced to pay for its medical expenses in accordance with the terms of the insurance. The second is moral hazard, in which patients and hospitals join together to deal with insurance companies, adopting the methods of treating minor illnesses and prescribing empty medical bills, so that insurance companies pay high fees. In many places, there are even ways of cheating insurance premiums by not hospitalizing people but only opening false beds in hospitals. The purpose of China's health care reform is to establish a health protection system supported by basic medical insurance, employer supplemental insurance, and commercial medical insurance **** the same. The new healthcare reform determines that the unit pays 6% of its gross salary for the employee as a co-ordination fund, and if the cost required for the employee to see a doctor exceeds 10% of the local average annual wage, the co-ordination fund starts to pay for the employee, but the maximum payment limit is controlled at about four times the local average annual wage of the employee. I hope the above content of why buy commercial medical insurance, the importance of commercial medical insurance and the main problems of commercial medical insurance will help.
Legal Objective:Individual medical insurance has increasingly come into people's lives, and its high level of protection can alleviate the high medical costs caused by accidents. But the choice of individual medical insurance should be careful, otherwise not only does not play a proper role in the protection, but also may cause unnecessary financial losses and claims disputes. First, pay attention to the age limit of the insurance. Each insurance company has different regulations on the minimum age of enrollment. Depending on the type of insurance, the minimum age of enrollment generally ranges from 90 days after birth to 16 years of age. However, the maximum insuring age set by each insurance company is more or less the same, which is 65 years old. If you are not within this age range, you are generally not suitable for insurance. The younger you are, the lower the premium, so it is best to take out a policy as early as possible. Secondly, pay attention to the terms of the duty of truthfulness. When entering into an insurance contract, you should truthfully state your current physical condition and past medical history to the insurer, so as to allow the insurer to judge whether or not to accept coverage or on what terms. Some hospitalization medical insurance clauses explicitly exclude certain serious diseases (e.g. congenital diseases, leukemia, etc.) from coverage. Therefore, do not hide your medical history, otherwise it will cause the insurance contract to be invalidated and the insurance company will not fulfill its obligation to pay even if an insurance accident within the scope of liability occurs. Third, pay attention to the scope of responsibility of the insurance. When purchasing insurance, it is very important to understand the scope of responsibility of the insurance, only the occurrence of insurance accidents within the scope of responsibility, the insurance company will fulfill the obligation to pay. Such as the market hot sale of the "critical illness insurance", the scope of its insurance responsibility is generally for the first time after the insurance diagnosed diseases. Such as cancer, stroke, myocardial infarction, etc., while asthma, tuberculosis and other diseases are listed as uninsured. Fourth, pay attention to the wait-and-see period of hospitalization medical insurance. The so-called wait-and-see period, that is, the insurance contract comes into effect after a period of time, the insurer only to the insured person due to illness and medical expenses incurred to fulfill the responsibility to pay. Except for hospitalization medical expenses caused by accidents, insurance companies have a waiting period when underwriting general hospitalization medical insurance. Depending on the type of insurance, there are two types of waiting periods: 90 days and 180 days from the effective date of the contract, and the insurance company is not liable for the medical expenses incurred during the waiting period. Fifth, pay attention to the exclusion clause. Insurance companies generally adopt deductible provisions for medical expenses of lower amounts. On the one hand, the lower amount of medical expenses, the insured can be financially affordable; at the same time, it can also save the insurer a lot of labor invested in claims. On the other hand, the insured can be prompted to strengthen the self-control of medical expenses to avoid unnecessary waste. Therefore, when purchasing medical insurance, you must pay attention to the deductible. If your medical expenses are less than the deductible, you are unlikely to get a claim.