? Basic medical insurance
? Commercial medical insurance
Next, respectively, to introduce the purchase of notes.
I. Basic medical insurance
Basic medical insurance includes government-organized medical insurance such as children's medical insurance, new rural cooperative medical insurance, urban residents' medical insurance, medical insurance for the flexibly employed, and employees' medical insurance. What are some of the best critical illness insurance policies for children? Which ones are cost-effective? Which is the most worthwhile to buy? Let's take a look at the latest list! The country's top 10 hot children's critical illness insurance ranking
These basic health insurance, employee health insurance benefits are the best, suitable for working people, the company for employees to buy.
As for what type of basic medical insurance is suitable for you, you can just choose according to the nature of your account and employment.
For example, if you are an urban resident, then you can buy urban residents' health insurance.Before you buy commercial medical insurance, you must buy basic medical insurance first.
Reason:
When you buy commercial medical insurance, the insurance company will ask you if you have social security, which actually means do you have basic medical insurance. If you do, then the price will be more affordable; if not, then the price will be much higher.Two, commercial medical insurance
? 1, what is commercial medical insurance?Simply put, in addition to employee health insurance, urban residents' health insurance, new rural medical insurance and other government organizations to buy medical insurance, other medical insurance products are commercial medical insurance.
That is to say, commercial medical insurance is still medical insurance, essentially still used to see a doctor to spend money on reimbursement of medical expenses, but you need to buy your own to the insurance company, and the insurance company to make money, certainly not as cheap as the social security contributions.
? 2, the relationship between commercial medical insurance and social security?The relationship between basic health insurance and commercial health insurance: a complementary relationship.
The role of commercial medical insurance is to buttress the drugs, medical treatments, therapeutic programs, and medical fees that are not reimbursed by the basic medical insurance, as well as the portion of the basic medical insurance reimbursement amount above the cap line and the portion of the medical fee below the starting line.
Summary:
Basic health insurance doesn't care, commercial medical insurance does; basic health insurance doesn't reimburse, commercial medical insurance reimburses. 3, the classification and selection of commercial medical insuranceCommercial medical insurance, specifically divided into three categories, respectively:
low-end medical insurance, mid-range medical insurance and high-end medical insurance. First of all: low-end type medical insuranceAdvantages of low-end medical insurance: low price (consumers are easy to fall into the pit of cheap)
Disadvantages of low-end medical insurance:
①Amplify the amount of coverage by many times, at least 10 times or more, and in some cases even 60 times
This kind of misleading consumption and over-packaging is very difficult for consumers to recognize.
②The claims process and compensation provisions of many cats
Compensation provisions, involving social security health insurance personal out-of-pocket and integrated health insurance payment offset details are covered, the compensation program is incomplete list of detailed items, the manipulation of the place is more.
3) The insurance companies are copying each other, and the products are highly similar, hurting each other and further reducing the usefulness of the products.
? Secondly, say, mid-range medical insuranceMid-range medical insurance advantages:
① can be purchased as a family unit, *** enjoy the amount of coverage, *** enjoy premium discounts ② the specific amount of compensation and proportion of each coverage item, the list is clear ③ you can spend money to increase the public hospitals special department, the international department, the foreign guest department, and other special needs of the doctor ④ can be used in the treatment of traditional Chinese medicine, herbal dosage, etc. ⑤ generally contains general outpatient Reimbursement ⑥Get a family medical checkup planDisadvantages of mid-range medical insurance:
①Annual coverage is generally between 100,000 and 1,000,000, which can be easily spent if you increase the number of special visits to public hospitals such as special-needs, international, and foreign-guest departments. ②Rehabilitation, home care, hospice, and device-assisted treatments are usually not covered. ③Transnational treatments, hospital transfers, and other special services are usually not covered. (4) You usually need to pay the medical expenses yourself and then seek reimbursement from the insurance company. Lastly, let's talk: high-end medical insurance.If low-end medical insurance and mid-range medical insurance is to solve part of the problem of medical expenses, that is, the problem of reimbursement for the money spent on medical treatment, then high-end medical insurance is to solve the problem of medical services.
What are the pain points of medical care that high-end medical insurance can solve?
1, your family has a relationship? Can you get a bed in a well-known tertiary hospital in Beijing and Shanghai?
2. Do you feel that the general ward is too noisy and the nurses' service is not attentive, and you want to live in a single room in the special-needs department?
3. Do you need help with internal coordination?
4, want to go to Hong Kong, Singapore, the United States for medical treatment, can you contact and secure hospitals and beds there?
5, want to go to the U.S. to give birth to a child, the child can get a green card, you can handle the U.S. hospitals and huge medical expenses?
......
This big wave of points about "hospitals are difficult, very helpless", the insurance gentleman will not enumerate.
If you don't have the connections and power to solve these problems, it's okay, as long as you can afford the premiums!
The special services of high-end medical insurance mainly include 8 kinds:
01, the list of awesome hospitals, providing first-class medical service
02: you only need to bring your high-end medical insurance card to see the doctor
Of course, you have to bring along your own ID card and yourself, and don't need to bring too much cash, because high-end medical insurance supports the insurance company and the hospital to settle the bills directly online.
03:
Hospice treatment, repatriation of remains and local burials are highly compensated.
04:
Full claims for ICU, ambulance, emergency room, and Chinese medicine treatment
05:
Home care, physical therapy, and congenital diseases can be compensated to a certain extent
06:
Going to the Special Needs Department, the International Department, and the VIP Treatment Center of a tertiary care public hospital, and being able to stay in a single room
( Without insurance, the daily bed charge is 7,000-10,000 yuan)
(Emma, a month's salary is only enough to pay for a day's bed charge...oh my god)
07:
A warm environment for childbirth, and maybe you can even meet a star
Hospitals that have such good reputations for women's fertility services that they've set up a house of cards
Birth costs: $90,000 - $180,000 (without insurance)
About United Family Hospital and Clinics (UFH), the insurance company gives you some reliable reviews:
1. One-on-one service with a midwife, and painless labor and delivery at any time during labor and delivery.2. No need to wait in a long line to get blood drawn on an empty stomach after an appointment for a maternity checkup. The hospital obstetrics and gynecology generally do not allow accompanying) 4, the environment is quite quiet, anyway, look relatively clean08:
Transnational treatment reimbursement, such as treatment in the United States, to Canada
In summary, the specific content and amount of coverage, insurance Jun selected a high-end medical insurance for your reference:
(due to the content of the too much, only selected part of the coverage is introduced, such as the need for all)The price of high-end medical insurance, which is divided according to the region of visit, is usually divided into 4:
Mainland China, mainland China, Hong Kong, Macao, Taiwan, the world in addition to the United States and Canada, global coverage.
Tip: Usually, you can only get medical reimbursement for expensive hospitals if you buy Global CoverageExamples of expensive hospitals are as follows:
ParkwayHealth (cities other than Beijing and Hong Kong)
Hong Kong Adventist Hospital (Hong Kong)
Yuen Wo Hospital (Hong Kong)
Shanghai Oriental International Medical Center
Shanghai Hongfeng International Women's and Children's Hospital
Elizabeth Hospital (Singapore)
Raffles Clinic (formerly International SOS Clinic)
United Family Hospitals and Clinics
Example price: The price of a high-end health insurance policy, broken down by these 4 regions, would be:
If it is a family of 3, with a 30 year old parent + 1 year old child. Purchasing a Global Protection Plan will cost at least $110,000 per year for high-end health insurance.
According to the principle of insurance purchasing that premium expenses should not exceed 20% of the annual household income, the annual income of this family of three should be at least 550,000 dollars.
Three, summarize
1, first buy basic medical insurance; 2, then buy commercial medical insurance;Low-end type medical insurance, middle-end type medical insurance and high-end medical insurance, buy which is good?
In fact, it is up to your income to say, high income, then buy high-end medical insurance.It's up to you to decide if you want to buy a low-end health insurance policy, or a mid-range health insurance policy, depending on your situation.
Lastly, the insurance gentleman would like to tell you
Strive to earn money, at the same time, learn some financial knowledge
To spend your daily expenses as much as possible in a reasonable place, about the cost of commercial insurance, must be taken into account in the annual necessary expenditure, otherwise sick, don't blame the hospital to see a high cost of care, not only the crowd but also no beds.
As shared above Hope to help >
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