Medical insurance is generally reimbursed, in designated hospitals, within the scope of reimbursement of medical expenses agreed in the contract. General medical insurance includes general hospitalization medical insurance, million medical insurance, accident medical insurance (including outpatient service) and special disease medical insurance. This is just a big category. If it is subdivided into a small class, there are many kinds to choose from.
1, general hospitalization medical insurance
This kind of product is relatively common, characterized by low deductible, low subsistence allowance and low premium, and is often called deductible-free hospitalization insurance.
This kind of medical insurance has a high frequency of daily application and a wide range of protection. Usually seen in the form of additional insurance, after the main insurance, the insurance period is usually 1 year, and the renewal is divided into annual review, and the renewal is also guaranteed for 3-5 years.
In addition, during the guarantee period, we should also pay attention to whether there is a quota limit. If the quota runs out, the contract will be terminated.
Many consumers will ask whether to insure this kind of hospitalization insurance with high daily use frequency. If they have a cold and fever, they will seek commercial insurance reimbursement through the clinic.
Then the insurance premium will be high. After all, insurance companies should also consider it from the perspective of risk. If it takes a high risk, it means paying more money, so the money received in advance will definitely be higher. Therefore, there are relatively few outpatient clinics without deductible medical insurance.
2. Millions of medical insurance
Millions of medical insurance is very popular in recent years, characterized by low premium, high deductible, high insurance coverage and reimbursement of social security drugs.
The millions of medical insurance of major insurance companies take the middle and high-end route, but the threshold fee is relatively high, usually more than 654.38+ 1 10,000 yuan, and the coverage of medical reimbursement is also relatively wide. In addition to hospitalization expenses, outpatient surgery, special outpatient and emergency expenses before and after hospitalization, it can also be regarded as a supplement to critical illness insurance.
After all, the function of critical illness insurance can be said to be compensation for the loss of economic income, and millions of medical insurance can solve the problem of reimbursement of high medical expenses.
When choosing millions of medical insurance, we should pay attention to renewal, exemption, waiting period, guarantee and exemption. Renewal is also the key to medical insurance. If the renewal is not good, it will often affect the subsequent use of medical insurance.
In order to rob consumers, insurance companies will have different terms and characteristics of millions of medical insurance, which requires more attention.
3. Accident medical insurance
Mainly for medical expenses caused by accidental injuries, there are often outpatient reimbursement. If you are hospitalized because of accidental injury, there will also be corresponding medical expenses reimbursement, marked by low premiums, low deductibles and low living allowances.
For example, Xue Ping insurance may involve medical insurance with accident compensation, or purchase long-term insurance with accident compensation medical insurance.
4. Medical insurance for specific diseases
This kind of medical insurance refers to medical insurance for special diseases, in which the insured suffers from a certain disease or is treated and reimbursed for a certain disease.
For example, medical insurance for the treatment of dental diseases, or medical insurance that provides protection according to the specific diseases of the insured and adopts fixed payment.
Legal basis:
Article 23 of the Social Insurance Law stipulates that employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.
Article 28 of the Social Insurance Law conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue medical expenses, and shall be paid by the basic medical insurance fund in accordance with state regulations. Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.