Hello friend, medical insurance can be understood as two categories, one is the social insurance in the medical insurance, the other is the commercial insurance in the medical insurance, both are much the same, are for the reimbursement of medical expenses.
So what is the difference between the two, we all have to buy it? Milkman tell you:
One, social security in the health insuranceSocial security is something that we all need to have, because it has a universal nature and mandatory, after all, it is introduced by the national government. The original intention is to redistribute the benefits of society, so that the whole society (or the people who bought social security) to get the most basic protection of life, while realizing a certain degree of fairness.
Social medical insurance, or medicare for short, is a social insurance system set up by the state to provide workers covered by the insurance with protection for their basic medical needs in the event of illness, and belongs to the scope of social security, and is an important part of social security.
Characteristics of medical insurance:
1. Wide scope of coverage
All employers and employees, whether they are state organs, business units, or private enterprises and individual workers, are covered by basic medical insurance.
2. Medical expenses **** bear
Participants are reimbursed for their medical expenses by the integrated fund on a proportional basis. Therefore, the medical expenses of the participants are shared by the local government, the participating organizations and the participants***.
3, can be insured with the disease
Medicare does not have the health information this link, whether in the past or now there is no disease, suffered from what the disease, can be normal insurance, can also be normal reimbursement.
4, after the expiration of the contribution period of the long-term
The employee health insurance after the expiration of the statutory period of contribution, after the retirement does not have to pay a penny can continue to enjoy the protection of health insurance.
5, mandatory enrollment
State regulations, all urban employers and employees must participate in the medical insurance.
Then many people ask why we have social security but also to buy commercial insurance, the milkman with an article to tell you: "With social security, but also to buy commercial insurance?
Two, commercial insurance in the medical insuranceWe often talk about commercial medical insurance, is that we are most familiar with the million medical insurance and small medical insurance. General advice: Prioritize the allocation of million medical insurance to make up for the upper limit of medical insurance in reimbursement.
If a serious illness occurs, the million medical insurance can reimburse the cost of hospitalization before and after the emergency room, and the price is cheap, can be a good transfer of the risk of serious illness.
If the budget is sufficient, you can also configure a small medical insurance.
Small hospitalization medical insurance, the coverage includes accident and illness caused by hospitalization medical expenses, generally 0 deductible or a few hundred dollars deductible, reimbursement amount of 1-2 million mostly.
Because the deductible is small, the chances of an accident are high. Paired with a million dollar medical insurance policy, ideally, you can be hospitalized at no cost.
But small medical expenses will not cause too much financial pressure, high medical expenses for major illnesses is the risk we prioritize to prevent.
II. How to choose medical insuranceMillion dollar medical insurance is not like critical illness insurance or life insurance, it is not guaranteed to be renewed for life.
This means that it is not easy to get through a new product with health notification once our health condition is in question and the insured million dollar medical insurance is discontinued.
So, when choosing a million-dollar medical insurance policy, not only do you have to look at the usual things such as coverage responsibilities, price, exclusions, and renewal clauses;
you also have to assess the stability of the product, that is, the product's renewal terms and conditions, as well as the risk of discontinuing the product.
But no one can guarantee the stability of a product.
Generally, it is assessed from these aspects:
Whether the product sales are large enough, whether there are enough healthy bodies to join, whether the pricing is reasonable, the conditions of the underwriting company, and so on.
Selected a few of the current hot million medical insurance, to do a simple evaluation
If the pursuit of comprehensive coverage: ZhongAn ZongAn ZunXian eSheng 2020ZongAn ZunXian eSheng 2020 has a 3 million sum insured, the protection coverage of the full range of value-added services provided, including proton heavy ion medical treatment, green medical channel, medical expenses advance payment, special drug service, but also can choose family **** enjoy deductibles, etc.
Here's a detailed review of this product, don't miss it Oh: "Zunxian eSheng 2020 heavy upgrade, buy it or buy Zunxian eSheng 2019?"
Milk father summary:Medical insurance seems simple, but the actual operation of the claim is also skillful, we must carefully read the contract terms before buying, so as to avoid problems when reimbursement.
Source: milk daddy insurance knowledge integration