First, what is medical insurance?
First of all, medical insurance is mainly divided into two categories, national medical insurance and commercial medical insurance. National medical insurance is what we often call medical insurance, which belongs to the welfare of the country. It is recommended that everyone take out insurance. Universal medical insurance is characterized by wide coverage and low security. Of course, many people don't understand why they should buy commercial insurance when they already have national medical insurance. We need to know the reimbursement of national medical insurance. Generally speaking, there is a deductible for reimbursement of national medical insurance. After this limit, medical insurance will be reimbursed, and there is a reimbursement limit every year. At the same time, there are many specific drugs and imported drugs, and medical insurance cannot be reimbursed. In other words, national medical insurance can only solve our basic medical expenses. But if we consider better medical care, we need commercial medical insurance.
Second, if you choose medical insurance.
First of all, universal health insurance is something that everyone is willing to participate in. Secondly, in terms of commercial medical insurance, we should consider millions of medical insurance, depending on the content, price, exemption clause and renewal of insurance. Because millions of medical insurance cannot guarantee life-long renewal, the conditions for renewal are more important. If you pay more attention to renewal, you can consider products such as Fosun United Beyond Insurance, and you can directly renew your insurance without health notification. If the price is considered, you can consider maintaining health and medical insurance. If you consider buying medical insurance for your parents, you can consider high-priced medical insurance products. Which medical insurance product to choose depends on our actual needs.
3. What are the commercial medical insurance?
When we talk about commercial medical insurance, there are millions of medical insurance and micro-medical insurance. Micro medical insurance basically refers to hospitalization insurance. Excluding the deductible, the reimbursement amount is about tens of thousands of dollars. Millions of medical insurance is more expensive than other medical insurance, but it can better make up for the shortage of national medical insurance. If a serious illness is unfortunately diagnosed, millions of medical insurance can reimburse high expenses, and the price is relatively low compared with other insurance products. Therefore, in the case of sufficient budget, it is recommended to give priority to providing millions of medical insurance products.