If a friend is diagnosed with breast cancer, according to the specific severity of the disease, the medical expenses should be at least tens of thousands or even hundreds of thousands. Even if it can be reimbursed by medical insurance, it will cost tens of thousands of dollars.
For most people, this money is not a small expense, and the weakness of other types of serious illness and medical insurance reimbursement has emerged, which can not alleviate much economic pressure at all.
In this case, we need commercial insurance to supplement the protection, so that in the face of high medical expenses, we don't have to worry too much about money:
"With social security, you don't have to buy commercial insurance? What's the difference between social security and commercial insurance? 》
1. Should I buy commercial medical insurance or critical illness insurance after buying medical insurance?
If you want to buy commercial insurance as a supplement after purchasing social medical insurance, you can also buy critical illness insurance and medical insurance!
Mainly because the nature of critical illness insurance and medical insurance is completely different, especially the function is different:
1, different payment methods
First of all, there are two payment methods for insurance, one is reimbursement and the other is compensation.
The payment method of commercial medical insurance is reimbursement, just like social medical insurance. Commercial medical insurance can not be used except hospitalization, and it covers a wider range of reasonable medical expenses reimbursement.
If the commercial medical insurance you buy includes deductible, out-of-pocket ratio and social security coverage, the actual expense reimbursement will be less than the original.
The way to claim for critical illness insurance is to pay compensation, which is not only a major illness agreed in the contract, but also a one-time opportunity to obtain the insured amount if it meets the compensation conditions.
For example, if you buy a critical illness insurance with a coverage of 500 thousand, you will lose 500 thousand if you suffer from a serious illness. In addition to paying for medical expenses, you will use the money to maintain your family's daily life and make up for the loss of income due to illness.
2. The guarantee content is different.
Compared with millions of medical insurance, it can better explain the essence of commercial medical insurance. Within the scope of reimbursement, there are medical expenses, including medical expenses, hospitalization expenses, surgery expenses and medicine expenses. Some millions of medical insurance include value-added services such as green channels, and the problem of difficulty in seeing a doctor can be solved from the root.
One of the biggest characteristics of millions of medical insurance is that it can make up for the shortage of medical insurance reimbursement restrictions and upper and lower limits.
Critical illness insurance, as its name implies, refers to the major diseases covered by the contract, such as cancer, cardiovascular and cerebrovascular diseases, cerebral palsy and so on. These high-risk and serious diseases cover mild and moderate diseases, and the critical illness insurance will also provide them with a certain proportion of compensation.
3. The guarantee period is different.
Generally speaking, critical illness insurance is long-term, which can cover 70 years, 80 years, 20 years, 30 years and so on. , or for life.
However, due to the upgrading of hospital equipment and drugs for a period of time, the speed of product upgrading is very fast, long-term products are few, and one-year products are the easiest to see.
In a word, there is a big difference between critical illness insurance and million medical insurance, both of which have their own functions, so the protection they want is better, and both kinds of insurance should be obtained.
If you have to arrange it before and after, then the seniors think you should buy critical illness insurance first, and then buy medical insurance.
Second, how to choose critical illness insurance and million medical insurance?
If the protection of critical illness insurance and millions of medical insurance is necessary, what kind of insurance should be chosen for critical illness insurance and commercial medical insurance?
Senior sister teaches you some tips:
1, critical illness insurance
(1) The coverage of critical illness insurance should be sufficient.
The cost of treatment for major diseases is generally high. We can get a large amount of compensation by purchasing critical illness insurance with higher insurance coverage and then using it for treatment or other aspects. The insurance coverage of 300,000 yuan is better, the insurance coverage of 500,000 yuan is better, and the insurance coverage of first-tier cities can be higher.
(2) The duration of critical illness insurance is longer.
Everyone's financial situation is different. When purchasing critical illness insurance, you should choose the appropriate protection period according to the actual situation.
Life insurance is the first choice suggested by senior sister. 77.3 years is the average life expectancy of China population in 2020. Because most serious illnesses are concentrated in the elderly over 70 years old, Senior Sister suggested giving priority to whole life insurance, which can guarantee the rest of my life.
If our own economic situation is not particularly good, it is not too late to consider regular security at this time.
(3) The coverage of critical illness insurance should be comprehensive.
Senior sister has explained to you that critical illness insurance mainly covers major diseases, and also covers mild and moderate diseases, so the basic protection of these three aspects must be configured.
In addition, many excellent critical illness insurance will provide rich and practical protection responsibilities, such as the following products, which are more comprehensive:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
2. Commercial medical insurance
(1) The deductible of commercial medical insurance should be reasonable.
To put it bluntly, the deductible of commercial medical insurance is the amount that the insurance company will not reimburse and we need to pay ourselves.
For example, when choosing millions of medical insurance, we should choose products with reasonable deductibles. In general, the deductible for major diseases is 1 10,000. If so, it is better to have a deductible of 0.
(2) Commercial medical insurance should pay attention to the renewal conditions.
For commercial medical insurance, the guarantee period of most products is short, and the renewal of insurance is quite complicated. It is not too late to determine the renewal conditions of commercial medical insurance products before purchasing: whether it can be renewed, how many years it will be unconditionally renewed, and whether it is necessary to inform the health again when renewing the insurance.
(3) The basic coverage of millions of medical insurance should be complete.
Different types of commercial medical insurance have different contents, no matter what type of medical insurance products, at least the protection should be comprehensive:
Through this form, you can get a general understanding of the contents of various commercial medical insurance, and you will buy it well in the future.
After multiple screening by senior students, several medical insurances finally selected here have very good coverage. If you don't have time, you can choose one directly here:
The latest 10 million medical insurance rankings are freshly released! 》
I hope that after purchasing social medical insurance, everyone can understand the significance of purchasing commercial insurance and learn how to choose appropriate critical illness insurance and commercial medical insurance.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!