Today, Senior Sister will teach you how to insure millions of medical insurance correctly and how to choose a good million medical insurance.
Before the article begins, those friends who don't know much about the difference between medical insurance and major types of insurance, please read this article first to better understand the following contents:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
1. Is millions of medical insurance a pit? Are there any advantages?
In fact, millions of medical insurance is not a pit. On the contrary, millions of medical insurance has many advantages.
1, millions of medical insurance is sufficient.
I don't know if you know that medical insurance itself has a cap line. Generally speaking, it is about 300 thousand. In fact, as long as the reimbursement exceeds 300,000, the rest must be paid by yourself.
So for some diseases, hundreds of thousands or even millions of medical expenses are easy to produce, and 300 thousand is obviously too little.
In contrast, the coverage of million medical insurance is really rich, and most of the coverage is higher than one million. With adequate protection, we can receive treatment with more peace of mind.
2. Millions of medical insurance covers a wide range.
Under normal circumstances, medical insurance can only meet the basic medical needs, and the coverage is quite small.
Take many specific drugs, imported drugs, the latest medical equipment and services, which are not covered by medical insurance and need to be paid by themselves, and the prices of these things are often very expensive.
Millions of medical insurance can solve this problem well, such as social security, which provides reimbursement services for certain drugs that cannot be reimbursed.
For many patients, this kind of welfare of commercial medical insurance has brought them affordable specific drugs without worrying about medical expenses.
3. The reimbursement rate of millions of medical insurance is high.
Even within the scope of protection, medical insurance will only reimburse a part, and the underwriting ratio is limited.
The expenses that patients need to pay by themselves are beyond the proportion of medical insurance reimbursement, but millions of medical insurance are not like this.
One million yuan of medical insurance is deducted from the medical insurance reimbursement, and the remaining amount can be fully reimbursed after deducting the deductible. In other words, patients can pay deductibles at their own expense.
Since commercial medical insurance has so many benefits, can I use commercial insurance instead of social security? "
Friends who think this way are dangerous. Let's read this article first:
"Do you still need to buy commercial insurance if you have social security? Can commercial insurance replace social security? 》
After knowing so many highlights of millions of medical insurance, let's talk to our friends about how to choose millions of medical insurance correctly.
Second, how to choose a good million medical insurance?
The seniors have sorted it out. As long as you follow the following points, you can easily choose a good million medical insurance.
1, the safety content should be comprehensive.
The key point to ensure comprehensiveness is the most basic, because only in this way can risks be transferred very effectively.
You must pay attention when choosing millions of medical insurance, such as hospital medical expenses such as bed fee, medical treatment fee, treatment fee and operation fee. These must be reimbursed.
Special clinics should also be covered, such as outpatient renal dialysis and chemotherapy and radiotherapy for malignant tumors.
We must also do a good job in ensuring outpatient surgery. The so-called outpatient surgery is surgery that does not require hospitalization, such as surgery to cut an abscess and surgery to remove breast fibroma.
The outpatient and emergency departments before and after hospitalization are also determined to be short of weight. At present, most of the millions of medical insurance on the market have outpatient and emergency services that can guarantee hospitalization.
At present, the best insurance products can guarantee 30 days before and after hospitalization, so in this respect, we still have to choose a longer protection period.
Products that can meet the above protection contents at the same time can be regarded as comprehensive million medical insurance.
2. The renewal conditions should be relaxed.
Whether the renewal conditions are relaxed is also an important criterion to measure the quality of a medical insurance product.
If the renewal conditions of a million-dollar medical insurance are strict and it is very difficult to buy, then such a product is useless even if it is good and cost-effective.
High-quality million medical insurance is best to renew it without problems, and the conditions for renewal are relatively loose.
Refusing to renew insurance will not be affected by the insured's claims or physical health problems.
This product is a better product, so we must try to choose such a million medical insurance.
The renewal of medical insurance is a question asked by universities, and the senior students can't explain it clearly in a few words. You might as well open the expert's ultra-detailed analysis and see:
What should I pay attention to when renewing medical insurance? An analysis! 》
3. Value-added services should be in place.
Generally speaking, value-added services refer to medical advance payment, green channel for medical treatment/serious illness, proton heavy ion therapy, etc.
Prepayment of medical expenses helps to alleviate the embarrassment that we suddenly need money badly and can't get it out. As long as we sort out the corresponding information, our expense insurance company can help us pay in advance and settle the expenses when we reimburse later.
The green channel for medical treatment/serious illness can properly solve the following problems: it is difficult to register and see a doctor, which really plays a great role.
Compared with traditional chemotherapy, proton heavy ion therapy has a better therapeutic effect, which requires a lot of money, but it is not covered by medical insurance reimbursement. If millions of medical insurance can have such services, that's good.
Only when the value-added services of millions of medical insurance are in place can we be good and protect us more intimately.
Summary: Millions of medical insurance not only has no problems, but also has many advantages, such as wide coverage and high reimbursement rate.
If you are going to buy millions of medical insurance, friends should pay close attention to whether the products are fully guaranteed, whether they can guarantee renewal and whether they have intimate value-added services.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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