In order to ensure the comprehensiveness of the protection, now people have to look into the level of commercial insurance, in addition to social insurance, will be added to the commercial insurance as a supplement, but many consumers are not clear about the insurance products will have questions about the commercial insurance which is good? In fact, there are many types of commercial insurance, there are against accidents, there are help health, there is protection of medical care, so the needs of consumers are different, the purchase of commercial insurance category there are differences, suitable for their own commercial insurance is the best.
Commercial medical insurance is essential
Now there is a general status quo that is difficult to see a doctor, expensive, even if everyone now has social security, but there are limitations to its medical care, because of more out-of-pocket medicines, and the proportion of mainstream treatment costs of out-of-pocket medicines can even reach more than 70%, so the social security is a wide range of coverage, low protection, which requires a strong complementary medical insurance, the health insurance, the health care system, the health care system, the health care system, the health care system, the health care system, the health care system, the health care system and the health care system. To take care of a healthy life, here we analyze the benefits of health insurance through specific cases. For the health insurance reimbursement strategy, I just happened to organize the relevant content, I hope to help you: 2020 national social security health insurance application reimbursement process!
Case
Mr. Zhang is 35 years old, married and has a son who is six years old this year; he and his wife run a clothing business together, have a house and a car, with an annual income of 200,000 yuan, and so far he has not purchased social security and commercial insurance. Monthly family daily expenses and children's expenses are generally about 6,000 yuan, because taking into account the lack of social security protection, think twice in the insurance brother online to buy a king of medical, because of the disease requires hospitalization, then Mr. Zhang can get the following protection: What are the protection of good children's critical illness insurance? Which are cost-effective? Which is the most worth buying? Let's take a look at the latest list! The country's top 10 hot-selling children's critical illness insurance rankings
1, Mr. Zhang insured product 30 days later, due to illness in the second level and above the second level of public hospitals to receive treatment, spend inpatient medical costs, special outpatient medical costs, outpatient surgical medical costs, as well as before and after the hospitalization of outpatient and emergency medical costs a **** 100,000 yuan, such as the insured person to no social health insurance status, the insurance company pays 100,000 yuan of medical insurance benefits, but it should be noted that the annual absolute deductible is 5,000 yuan, and the claim limit is 3 million yuan. Insurance company which is strong, I just happened to organize the relevant content, I hope you can help: the latest list! Ranking of the top ten insurance companies in the country
2, Mr. Zhang insured products 1 year later, because of major diseases in the second level and above the second level of public hospitals to receive treatment, major diseases inpatient medical costs, outpatient medical costs, outpatient surgery medical costs, hospitalization before and after the move of outpatient emergency medical costs cost of 500,000 yuan, then the insurance company will pay 500,000 yuan of major diseases medical insurance benefits, and the benefits There is no deductible, and the accumulated claim limit is 6 million yuan.
Medicare insurance breaks the social security restrictions, its can not be reimbursed part of the commercial medical insurance can be reimbursed, you can freely choose the drugs, medical equipment and hospitals, the insured even if the hospitalization, you can get a high amount of benefits, can relieve some of the economic pressure, care for the family peace and stability. Below we recommend two cost-effective products.
Medical insurance product recommendations
Million All-In-One Medical Insurance
Coverage age: 30 days after birth (not included) to 50 years old
Coverage period: 1 year
Premium: 149
Product features
Major illnesses, cancers and minor ailments can be insured: first of all the product coverage is comprehensive, major illnesses, cancers and minor ailments can be hospitalized. The first thing you need to know is that you can't afford to pay for the hospitalization, and the hospitalization medical treatment for diseases can pay out 2500 yuan
Zero Deductible for Critical Illness Medical Treatment: Some of the products on the market now have deductibles, while the million all-around medical insurance has no deductible for critical illnesses medical treatment, which protects the interests of consumers.
Critical illness medical treatment is not limited to social security medication: Million All-In-One Medical Insurance is not limited to social security medication, so that when consumers are hospitalized, there are fewer limitations, and the product is cost-effective and inexpensive.
"Pill" enjoy life million medical insurance
Coverage age: 30 days to 49 years old
Protection period: 5 years
Payment period: 3 years, 5 years
One time to take out a policy of five years of coverage:" The "Pill" enjoys a lifetime of million medical insurance coverage period of five years, so consumers can purchase a policy, you can get five years of medical insurance care.
Double payout for malignant tumors: If an insured person is not able to suffer from malignant tumors and is hospitalized, the insurance amount will be doubled to protect the interests of consumers to the maximum extent possible.
Family*** with 10,000 deductible: the product provides inpatient medical care, special outpatient medical care and malignant tumor insurance benefits, of which inpatient medical care and special outpatient medical care cumulative deductible of 10,000 yuan.
What kind of business insurance? If you need medical care, then the commercial medical insurance is suitable, so that the protection is more precise, recommended million full medical insurance and the "pill" enjoy life million medical insurance products, can give the policyholder to provide comprehensive medical care, so that you have peace of mind.