Medical insurance bought online is not the same as medical insurance, medical insurance is part of the reimbursement, usually only reimbursement of reimbursable expenses, 40%. The online medical insurance has a deductible of 10,000 dollars, once you go to the hospital for treatment, if it is less than 10,000 yuan, you need to spend your own money. The insurance company will only reimburse you if the hospital treatment costs more than 10,000 yuan.
I. Alipay Good Health Insurance (Zhong'an Insurance)
1. Paying for health insurance on Alipay is simple. Provincial participants only need to open the Alipay mobile client, to the payment of the whole process as long as 1 minute. In addition, you can also help the elderly and children at home to pay the bill, enter the name and ID number of the payer on the cell phone can quickly pay the bill.
2. This product and micro-medicine insurance are not intelligent underwriting function, but health notification is still relatively simple. Similarly the renewal of this product and the other products are also closer to each other, all belong to the renewal conditions are better. Good medical insurance occupation restrictions are also relatively small, if you are engaged in more than 4 types of occupations, it is recommended to focus on:
Not covered occupations: miners, quarry workers, sand quarry workers, demolition workers, high-voltage electrical engineering facilities, marine crew, divers, gunpowder explosives manufacturing and handling people, stuntmen, animal trainers, riot police, special forces, war correspondents.
3. In addition, this product in the page at least 2 times to emphasize the renewable lifetime, here deep blue need to remind everyone, the contract clearly stipulates that as long as the product is discontinued will not be able to renew the policy.
Social insurance
Social insurance is a social and economic system that provides income or compensation for the population that is incapacitated, temporarily out of work, or has suffered a loss due to health reasons. The main programs of social insurance include pension insurance, medical insurance, unemployment insurance, work injury insurance, and maternity insurance.
Social insurance scheme is organized by the government, which forces a certain group of people to form a social insurance fund by paying a part of their income as social insurance tax (fee), and the insured can get a fixed income or compensation for loss from the fund if certain conditions are met, it is a redistributive system, and its goal is to ensure the reproduction of material and labor force and the stability of the society.
In our country, social insurance is an important part of the social security system, and it is at the center of the whole social security system.
In addition, social insurance is a kind of contributory social security, the funds are mainly paid by employers and workers themselves, and the government financial subsidies and bear the ultimate responsibility. However, workers can only enjoy the corresponding social insurance benefits if they fulfill the legal obligation to make contributions and meet the legal conditions
Expanded information: Notes on buying individual medical insurance 1. Medical insurance includes three basic types: critical illness insurance, medical reimbursement insurance, and medical subsidy insurance. Among them, critical illness insurance focuses on providing protection against major diseases (such as cancer); medical reimbursement insurance mainly provides reimbursement of medical expenses; and medical subsidy insurance is to provide compensation for some of the costs of hospital beds and nutritional expenses incurred in the course of medical treatment. Besides that, some insurance types also provide maturity benefit, death benefit, high disability benefit and so on. You have to combine your own physical condition, social medical insurance situation and personal needs to choose. Of course, the wider the scope of coverage, the more worthwhile the choice, given the comparable burden of premiums. 2. The burden of premiums. You can't let the cost of health insurance premiums become a heavy burden in your life if various health insurance policies offer similar coverage. You should choose the one that is less burdensome and has flexible payment options. 3. Special clauses. There are some clauses that do not exist in all kinds of medical insurance. For example, automatic advancement of premiums, policy loans, non-compensatory benefits etc. If you are able to afford the premium cost, you can choose a type of insurance with more additional services to provide you with more adequate protection. Reference:
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