Millionaire Medical and Hospitalization Carefree two choose one to be that Xinhua

1. Million Dollar Medical is better. Although the hospitalization medical insurance and the million medical insurance belong to the medical insurance this kind of insurance, but in the scope of coverage there are still a lot of differences. The hospitalization medical insurance only pays for the cost of hospitalization; the million medical insurance tends to pay for a wider range. Hospitalization medical insurance is to protect the insured person due to disease or accident hospitalization treatment occurs in part of the medical expenses of medical insurance, hospitalization medical insurance deductible is low, the amount of coverage is also low, usually in the 1-2 million or so, can only protect the risk of minor illnesses, for the major diseases, can not achieve the purpose of protection. Million Dollar Medical Insurance is also a medical insurance policy that covers hospitalization. Million dollar medical insurance has more than a million dollars of coverage, but the deductible is relatively high, high coverage can be used to deal with high risk.

1.Million medical insurance is necessary to buy: million medical insurance coverage is relatively wide, there are bed costs, meal costs, nursing costs, intensive care unit costs, inspection and testing costs, surgical costs, anesthesia costs, drugs, materials, medical equipment owned by the medical institution to use the cost of treatment, consultation fees and so on. And in the insurance market, Million Dollar Medical Insurance will also give away the Green Pass service and the sum insured is also very high. Take ZhongAn Insurance's Million Dollar Medical Insurance Zunxian eSheng Flagship Edition for example, its coverage includes general hospitalization coverage of 3 million, general hospitalization deductible of 10,000, and critical illness coverage of 6 million for cancer, and so on. Although the premium price of million-dollar medical insurance is low and the coverage amount is high, it also has many drawbacks. For example, non-social security people million medical often can only reimburse 60% of the surgical fees, outpatient fees, medical expenses, and need to advance their own medical expenses. In addition, the coverage period of million medical insurance is only one year, and will face the risk of being discontinued at any time. As to whether it is necessary to buy a million medical insurance, it is necessary for the policyholder to decide in conjunction with their own needs.

2. What's the difference between hospitalization insurance and medical insurance: the content of the compensation is different: hospitalization insurance is only for the hospitalization medical expenses; and medical insurance is not only for the hospitalization medical expenses, the compensation scope is broader, including outpatient surgical medical expenses, before and after the hospitalization of the outpatient emergency medical expenses, special outpatient medical expenses, etc.; the amount of different: usually Hospitalization medical insurance coverage is now in the hundreds of thousands of dollars; and million medical insurance coverage is usually up to the level of millions of dollars. The deductible is different: hospitalization medical coverage is lower, mostly between 100 and 150; million medical insurance deductible is basically more than 10,000 yuan.