Hunchun Medical Insurance

Medical insurance, short for medical expense insurance, is insurance that provides coverage for medical expenses, and it is one of the main components of health insurance. The function of medical insurance is to provide financial help when the insured incurs large medical expenses. For small medical expenses paid due to general illnesses, they can be regarded as daily living expenses, and medical expenses mainly include doctor's outpatient fees, medication, hospitalization, nursing care, miscellaneous hospital fees, surgical fees, and various examination fees. The costs covered by different health insurance policies are generally a combination of one or more of these items.

Medicare only pays for disability caused by illness, so it's important to have a clear understanding of what "illness" means in the context of health insurance. First of all, an illness must be caused by something other than a congenital cause. Some diseases that are present in the body from birth, such as congenital heart disease, are not covered by health insurance. Secondly, the disease must have an internal cause. Certain diseases whose initial cause is external, such as infectious diseases or influenza, are considered to be internal because it takes time for the disease to develop after the external cause has invaded the body. Thirdly, the disease must be caused by chance. As health is the norm in life, diseases must be due to accidental causes and be treatable by drugs, surgery, etc. In other words, there must be a cause for the disease. In other words, there must be a cause of the disease that can still be treated. Natural phenomena such as old age and infirmity, although a person presents a sickly state, can be maintained through injections, medication to maintain health, but because there is no cause of disease, so it is not a disease The following will be introduced is a few common medical insurance, namely, general medical insurance, hospitalization insurance, surgical insurance and special disease insurance, hospitalization allowance insurance, comprehensive medical insurance.

1. General medical insurance

General medical insurance provides the insured with compensation for general medical expenses related to the treatment of illness. It mainly covers outpatient costs, medicine costs, examination costs and so on. This type of insurance has a lower premium cost and is more applicable to the general public. Because of the difficulty in controlling the expenditure on medicine and examination costs, this type of policy generally has a deductible and cost-sharing provision, whereby the insurance company pays a certain percentage of the portion above the deductible and the premium is adjusted annually. The insurance company is no longer responsible for paying out when the accumulated expenses incurred for each illness exceed the insured amount.

2. Hospitalization insurance

Because hospitalization is often expensive, hospitalization expenses are covered as a separate insurance policy. The main cost items covered by hospitalization insurance are the daily hospital fee (bed fee), the cost of utilizing hospital equipment, the cost of surgery, and the cost of medicine. The length of the hospitalization period will have a direct impact on its cost, therefore, the amount of this type of insurance should be based on the patient's average hospitalization cost. In order to control unnecessarily long hospitalization, hospitalization insurance generally stipulates that the insurance company is only responsible for a certain percentage of all the costs, not all of them.

. Surgical Insurance

This type of insurance provides for all costs incurred as a result of a patient needing a necessary surgery.

4. Comprehensive Medical Insurance

Comprehensive medical insurance is a comprehensive medical expense coverage provided by the insurance company to the insured for all expenses incurred for medical treatment and hospitalization, surgeries, and so on. This type of policy has a higher premium and generally establishes a low deductible along with an appropriate share of the cost.

5. Specialty Disease Insurance

Certain specialty diseases often bring catastrophic cost payments to the patient, which are difficult for the average family to bear. Examples include cancer, heart disease, etc. Therefore, people usually require such policies to have a relatively large sum insured to be sufficient to cover the various expenses incurred by them. The major diseases for which coverage is provided to policyholders can be single, such as malignant tumors, or even certain types of cancers among malignant tumors; or multiple, listing several agreed major diseases, such as malignant tumors, myocardial infarction, uremia, vital organ transplantation, tetraplegia, stroke and coronary artery bypass grafting surgery, and so on. Once the insurance policy is in force for a certain period of time (usually specified in the terms and conditions), the insured person diagnosed by a certain level of hospitals suffering from the major diseases agreed in the policy, you can apply to the insurance company to pay the full amount of the insurance, the insurance liability will be terminated.