Do you know the types of hospitalization insurance?

In today's society, environmental pollution is getting worse and the incidence rate is rising gradually. Many people suffer from serious diseases, which means bringing heavy economic pressure to their families. Expensive medical expenses crushed every family member and destroyed their body and mind. With the rise of the insurance industry, many people will buy a medical insurance for themselves in advance, which can protect people's lives. When they are sick or injured in hospital, if they buy medical insurance, medical expenses can be reimbursed. In this way, the economic pressure of families and individuals is greatly reduced. Hospitalization medical insurance mainly includes daily hospitalization fee (bed fee), hospital equipment use fee, operation fee, medical expenses, etc. The length of hospitalization directly affects their expense level. Insurance is not paid in full, but in a certain proportion.

Types of hospitalization medical insurance

In recent years, China has paid more and more attention to medical insurance, and most enterprises and institutions will handle medical insurance for their employees. However, many people don't know about medical insurance. They don't know what hospitalization insurance includes or what hospitalization insurance is good. Let me take you through it in detail.

At present, there are three types of hospitalization insurance in the market: reimbursement, allowance and early payment. ?

1, reimbursement type. Reimbursement is obtained with the relevant charge documents issued by the hospital, and it can only be drugs within the scope of medical insurance. In addition, this type of insurance cannot be reimbursed repeatedly, which means that no matter how many medical insurances are bought, they can only be reimbursed once. Therefore, before choosing this kind of commercial insurance, we must find out whether it conflicts with social security. ? What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020

2. Types of subsidies. No matter how much the insured actually spends on hospitalization, the insurance company will only pay according to the subsidy amount selected by the insured when purchasing insurance. ? Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

3. Prepaid hospitalization insurance. It is what people often call critical illness insurance. No matter how much the insured actually needs to spend to see a doctor, or whether the drugs used are within the scope of social security, this kind of insurance only pays according to the amount people choose when purchasing insurance. When you get the reimbursement, you only need to confirm that your illness meets the requirements of the insurance contract, and you can reimburse it immediately without documents. What are the good recommendations for critical illness and critical illness insurance? I just sorted out the relevant contents, hoping to help you: take stock of the "worth buying" critical illness insurance of the top ten insurance companies!

To sum up, hospitalization medical insurance can reduce the burden of family medical expenses to a certain extent, and can also greatly protect the health and safety of consumers. However, I would like to remind you that if you buy insurance, you still have to choose the one that suits you, in order to play the greatest role of protection.

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Operational skills of reimbursement for children's hospitalization insurance

Children are the hope of a family. After the child is born, parents will provide basic medical insurance for the child to prevent the child from developing diseases such as fever and cold. Then the child needs to be hospitalized because of some serious illness. At this time, the amount of reimbursement for children's hospitalization medical insurance has become an urgent problem for parents.

Recommendation of hospitalization insurance for children with common diseases

In the face of rising medical expenses, we should not only buy medical insurance, but also take care of hospitalization insurance. In order to reduce hospitalization expenses, especially children's hospitalization insurance, children are physically weak and often need hospitalization once they get sick. Hospitalization means higher medical expenses, so many parents want to buy an insurance to protect their children's hospitalization risks. Then, what insurance products are recommended for hospitalization insurance for children's common diseases? Now come and have a look with me.