The first thing you need to do is to get a good deal of money to pay for the medical insurance.

No need, if the school has paid medical insurance, home there is no need to pay medical insurance, and the state regulations in principle each person can only choose a social health insurance to pay, such as residents of the medical insurance non-stop is not able to pay the employee's medical insurance, but in practice due to the operation of the local health insurance system is not connected, so there will be some people at the same time in the payment of two kinds of medical insurance, the most common is to work outside of the employee personnel, in fact, home has helped to buy urban and rural medical insurance. The most common is to work outside the employee staff, in fact, the home has helped to buy urban and rural health insurance, the work unit and help to pay a staff health insurance, which is actually a loss, because the reimbursement of medical expenses when you can only choose a kind of health insurance to reimbursement.

Medicine is a basic benefit of the state, whether you are sick or not you can buy. However, the scope of insurance coverage is very limited, health insurance reimbursement scope, limited amount, in the face of major illnesses, relying solely on health insurance is still not enough, you can consider in the health insurance based on the matching of their own commercial medical insurance to ensure that they can get a more comprehensive protection. After all, in the event of a serious illness, many fast-acting drugs or effective surgical equipment can not be reimbursed. These costs are usually more than 100,000 or even hundreds of thousands of dollars, is a great pressure. If the configuration has a million medical insurance can be directly reimbursed.

Additionally, medical insurance refers to the agreement between the two sides of the insurance medical expenses, and as a condition of paying insurance benefits, when the insured person is sick or accidental medical treatment, the insurance company needs to compensate the insured person according to the agreement of the corresponding proportion of the insurance premiums of a kind of insurance. The scope of coverage includes medical expenses, hospitalization expenses, surgical expenses, medical equipment expenses, nursing care expenses, and so on.

But medical insurance should pay attention to the responsibility of protection and renewal conditions, renewal conditions, the wider the better, the lower the deductible the better, in addition to pay attention to the value-added services as comprehensive as possible: purchased drugs, the quality of self-reinforcement plasma, reimbursement of out-of-hospital targeted medicines, as well as support for the medical expenses advance function in addition to the critical illness insurance, i.e., critical illness insurance, in short, if you buy a critical illness insurance, diagnosis of a major disease type of the scope of the policy The insurance company will pay out a lump sum. Among them, the 28 types of critical illnesses stipulated by the CBI will be covered in the critical illness insurance policy to enhance the coverage of the critical illness insurance policy. Critical illness insurance and medical insurance are complementary to each other. Medical insurance is reimbursement in nature, while critical illness insurance is payment-based. It can help us play a vital role when we face a major illness.