With the development of society, people have a new understanding and acceptance of insurance. This understanding also makes the insurance industry develop more and more widely. For example, medical care is also insured. Of course, this advantage is that if you are hospitalized, you can get timely treatment and reduce the burden of medical expenses. 1. Why buy commercial medical insurance? Now the age of serious illness is getting younger and younger. No matter people around us or celebrities, countless examples are proving that serious illness is not as far away from us as we thought. And now the environmental pollution is very serious, people's life pressure is getting bigger and bigger, the pace of life is getting faster and faster, personal habits are poor and genetic factors, and the incidence of serious diseases is getting higher and higher. In fact, as long as people are alive, they will have health problems. The survey shows that the proportion of people suffering from serious diseases is 72. 18%. The second reason is that some people ask, why do you have to buy critical illness insurance when you have medical insurance? In a popular saying, social security is just a meal, and commercial insurance is a dish. Commercial insurance such as critical illness insurance is essential if you want to obtain broader and more comprehensive protection. Medical insurance and social security can only provide local minimum standards of medical services, neither can we choose foreign hospitals that are more suitable for us, nor can we use more advanced drugs and medical equipment that are not designated by social security. At the same time, we have to bear the cost of nutrition and medical expenses. Reason 3: I bought critical illness insurance, because commercial critical illness insurance claims can be paid in advance. As long as there is the guarantee stipulated in the insurance clause, I can get the claims from the insurance company at one time, which not only saves me the trouble of paying medical expenses in advance after I get sick, but also reduces the burden of personal medical expenses. Second, the importance of commercial medical insurance 1, to make up for the lack of social security. Because social security can only provide people with certain subsidies and the most basic protection, a large part of the treatment costs need to be paid in advance, and then reimbursed by people themselves. Such reimbursement amount is relatively limited, and there is no compensation for death due to illness. Commercial medical insurance is the perfection of the insufficient protection of major diseases in medical insurance. For people without medical insurance, critical illness insurance is particularly important. For people covered by medical insurance, medical insurance for major diseases can be a necessary supplement. So you can choose a commercial medical insurance to make up for the lack of social security. Many commercial medical insurance claims do not conflict with social security, which is especially loved by many people. 2. It can help people get old. As people get older, their ability to resist the risk of diseases will become worse and worse. Buying commercial medical insurance can not only enable the insured to get the treatment expenses for disease diagnosis and treatment, but also reduce the huge economic impact on the family caused by the loss of work ability and future income due to major diseases. Only in this way can we ensure that the elderly have a sense of security and medical care, thus improving their enthusiasm for life and work. 3. It has the function of returning. Medical insurance premium products introduced by some insurance companies will be returned through various forms, so that the life of the insured can be arranged in a planned way, and all unexpected effects and unsafe factors will be borne by the insurer, so that the insured can rest assured. Third, the main problems of commercial medical insurance At present, the most prominent problems of commercial medical insurance are high price and low degree of protection. Although the insured price of medical insurance is beyond the affordability of the people, many insurance companies operating this business are still losing money, which is mainly caused by two phenomena: one is adverse selection, that is, the insured does not insure until he knows that he is sick, and avoids the inspection of the insurance company by various means, and the insurance company will pay his medical expenses according to the terms after insurance. The second is moral hazard, that is, patients and hospitals unite to deal with insurance companies, and take the form of minor illness treatment and short medical expenses to make insurance companies pay high fees. In many places, there are even ways to open beds in hospitals without hospitalization to defraud insurance premiums. The purpose of medical reform in China is to establish a health insurance system supported by basic medical insurance, supplementary insurance for employers and commercial medical insurance. According to the new medical reform, the unit pays 6% of the total wages for employees as a co-ordination fund. If the medical expenses of employees exceed 10% of the local average annual salary, the overall fund will start to pay for employees, but the maximum payment limit will be controlled at about 4 times of the local average annual salary. I hope the above contents about why to buy commercial medical insurance, the importance of commercial medical insurance and the main problems existing in commercial medical insurance are helpful.
Legal objectivity:
People's Republic of China (PRC) Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in the event of old age, illness, industrial injury, unemployment and maternity.