The incidence of breast cancer among women is increasing almost every year, and it has even been called the "number one killer of women".
If a friend is diagnosed with breast cancer, depending on the severity of the disease, the cost of medical treatment can be tens of thousands of dollars. Medical expenses are at least tens of thousands of dollars, more even hundreds of thousands of dollars, even if they can be reimbursed by health insurance, it will cost tens of thousands of dollars.
These money for most people, but also a lot of money, and other types of serious illnesses to see the doctor's fee, the weakness of the reimbursement of health insurance shows, can not alleviate much economic pressure.
In this case, we also need commercial insurance to supplement the protection, so that, in the face of high medical costs, do not have to worry too much about money:
"With social security do not need to buy commercial insurance? What is the difference between social security and commercial insurance?
I. Should I buy commercial medical insurance or critical illness insurance after I buy Medicare?
If you want to buy commercial insurance as a supplement after acquiring social health insurance, you can also go to buy into the two kinds of critical illness insurance and medical insurance!
Mainly because the nature of critical illness insurance and medical insurance is completely different, especially with different functions:
1, the different ways to pay
First of all, the insurance can be divided into two types of payouts, reimbursement type and payment type.
Commercial medical insurance is reimbursed, the same as the social health insurance, and commercial medical insurance in addition to hospitalization can not be used for other, for reasonable medical expenses reimbursement, with a wider range of reimbursement.
If you buy a commercial medical insurance policy that includes deductibles, co-payments, and distinguishes between social security coverage instructions, the actual reimbursement of expenses will be less than the original.
Critical illness insurance claims are paid, not only with the contracted major diseases but also to meet the conditions of payment, you can get the opportunity to get a lump sum to the amount of the purchase of the policy.
For example, if you buy a 50 million dollar insurance policy and suffer a serious illness, you will be paid 50 million dollars, and this money will be used to pay for the medical expenses, and then the money will be used for the maintenance of the family's daily life, and to supplement the loss of income due to the inability of the disease to work.
2, the content of the protection is different
Take the million medical insurance to compare the nature of the commercial medical insurance can better illustrate that the scope of reimbursement of medical expenses, including diagnosis and treatment, hospitalization, surgery, and medication, and some of the million medical insurance is included in the value-added services such as the green channel, which can be used as the basis of the problem of the difficulty of access to medical services. The problem of the difficulty of getting to the doctor can be solved at the root of the problem.
One of the greatest features of the MMP is that it can make up for the lack of reimbursement limits and upper and lower limits of the medical insurance.
Critical illness insurance, as the name implies, refers to the protection of the contract of major diseases, such as cancer, cardiovascular, cerebral palsy and so on these serious illnesses, these high-prevalence serious illnesses covered by the minor and intermediate symptoms, critical illness insurance will also provide a certain percentage of the payout of the coverage for them.
3, the duration of coverage is different
Usually, the critical illness insurance is long-term, can be insured for a fixed period of time up to the age of 70 years, 80 years old, or insured for 20 years, 30 years, etc., but also can be insured for life.
But commercial medical insurance, because after a period of time hospital equipment, drugs, etc. to be replaced, the product update is very fast, long-term products are only a very small number of one-year period is most likely to see.
In short, there is a big difference between the critical illness insurance and the million medical insurance, both have their own functions, so you want to get a better protection, both insurance to get.
If you can't not rank a before and after, then I feel that the first thing you should buy is critical illness insurance, and then medical insurance after that.
Two, critical illness insurance and million medical insurance how to pick?
Critical Illness Insurance and Million Dollar Medical Insurance, the two insurance products are needed if the coverage, then the critical illness insurance and commercial medical insurance in the end to choose what kind of to be considered good?
Sisters teach you some tips:
1, critical illness insurance
(1) the amount of coverage for the critical illness insurance to be sufficient
The cost of major illnesses is generally very high. The best way to get the most out of your life is to buy a high-coverage critical illness insurance policy, a large amount of compensation can be obtained by us and then used in the treatment or other aspects of the best higher than 300,000 yuan, with 500,000 yuan as the amount of coverage can be good point, the first-tier city of the amount of coverage can be reached even higher.
(2) Critical illness insurance coverage period should be long
Each of us has a different financial situation, buy critical illness insurance to consider the duration of the coverage should be based on the actual situation to choose the appropriate duration of coverage.
Protecting the whole life is what I suggest you prioritize, 77.3 years old is the average life expectancy of China's population in 2020 statistics, but also due to the onset of many serious illnesses are mostly concentrated in the elderly over 70 years of age, so to buy a critical illness insurance, I suggest that you prioritize to select the whole life, which can protect the rest of your life.
If their own financial situation is not particularly good, it is not too late for us to come back to consider term coverage.
(3) Critical illness insurance coverage should be comprehensive
School sister has explained to you critical illness insurance is mainly to protect the major diseases, about the minor and moderate illnesses are also guaranteed, it is this three aspects of the basic protection must be configured together.
In addition to this, many excellent critical illness insurance will also provide a wealth of practical protection responsibilities, like the following products, with more comprehensive protection:
"Ten worth buying the popular critical illness insurance list!
2, commercial medical insurance
(1) commercial medical insurance deductibles should be reasonable
Commercial medical insurance deductibles bluntly means that the insurance company will not be reimbursed, and need to pay the amount of our own
For example, when choosing a medical insurance policy, it is important to choose a product that has a reasonable deductible, usually 10,000 if it is not a major illness, and 0 if it is.
(2) Commercial medical insurance should pay attention to the renewal conditions
For the commercial medical insurance, most of the products cover a short period of time, and the renewal of the insurance is also quite complicated, the first to determine the conditions of renewal of the commercial medical insurance products, in the purchase of it is not too late: whether to do the renewal of the insurance guarantee, the renewal of the insurance is unconditionally The first thing you need to do is to make sure that you have a good understanding of what you are doing and how you are doing it.
(3) The basic contents of the million medical insurance should be complete
The contents of the different types of commercial medical insurance insurance varies, no matter what type of medical insurance products, at least the coverage should be comprehensive:
The contents of various commercial medical insurance can be summarized in this table. content can be made through this table to give us a general understanding of the future to buy good.
Here after the school sister's multiple screening, the final selection of several medical insurance, have a very good coverage content, if you do not have the time, you can directly here to pick a oh:
"The latest top ten million medical insurance rankings freshly released!
I hope you can understand the significance of buying commercial insurance even after you have bought social health insurance after reading the above explanations from my sister, and also, learn how you can pick the right critical illness insurance and commercial medical insurance.
Written in the last
I'm a schoolteacher talking about insurance, focusing on objective, professional and neutral insurance assessment;
If the above content has not solved your problem, you can also come to the public number schoolteacher talking about insurance to consult with me;
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