Medicare is a reimbursement type of insurance, where expenses incurred while visiting a doctor for treatment can be partially reimbursed by the insurance company, and hospitalization expenses are no exception. And there is a more detailed type of hospitalization health insurance.
Medical insurance breakdown also has a variety of, then we can according to different needs to insure different medical insurance, just as the milkman has a medical insurance insurance insurance strategy, I hope to help you "Which is the best medical insurance? This is the right way to insure!
A, what is hospitalization medical insurance
Hospitalization medical insurance, that is, can be reimbursed to the insured because of the disease or accidental injury hospitalization of reasonable medical expenses arising from a kind of insurance, following the principle of compensation for losses "
Hospitalization health insurance is a type of insurance that reimburses the insured for reasonable medical expenses incurred as a result of hospitalization for illness or accidental injury.
The hospitalization medical insurance policies available in the market are classified into expense type, allowance type and advance payment type according to different payment criteria.
The advantages and disadvantages of hospitalization medical insurance
Advantages:
1.? Cannot reimburse outpatient expenses
Micro medical insurance usually has a deductible of $100, beyond which medical expenses can be reimbursed.
2.? Reimbursement is not limited to social security
General hospitalization medical insurance, the insured can be reimbursed 60% of the medical expenses even if they do not have social security; there are also some products that are reimbursed inside and outside the social security.3.? Wide coverage
Reasonable medical expenses are reimbursed. For example, common fevers, colds or allergies.
Disadvantages:
1.? Low coverage
Hospitalization medical insurance is not high, the coverage is around 50,000 yuan. If you get a serious illness and the medical bills are $100,000 or higher, this coverage is totally inadequate.
2.? Difficult to renew
Because of the low threshold for hospitalization medical insurance claims, it is easy to get out of insurance. If you have an accident during the coverage period, it may be difficult to renew the policy for the second year, and the premium will go up.