At present more and more people are beginning to pay attention to insurance, which is worth encouraging, but when buying insurance, there are still many people will ask, what kind of insurance is better? What should I pay attention to before buying?
Today, the school sister will teach you how to correctly insure the million medical insurance, how to choose a good million medical insurance.
Before the article begins, those who still don't quite understand what the difference between medical insurance and major types of insurance, please understand this article first, in order to facilitate a better understanding of the following:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Do they conflict when it comes to claims?
I. Is Million Dollar Medical Insurance a Pitfall? Are there any advantages?
Million dollar medical insurance is actually not a pit, on the contrary, there are a lot of advantages of million dollar medical.
1, the amount of million medical insurance coverage is very sufficient
Don't know if you know, the medical insurance itself has a ceiling, generally speaking, almost about 300,000 ceiling, in fact, it means that as soon as the reimbursement of more than 30,000 yuan, the rest of the have to pay for themselves.
So for some diseases that cost hundreds of thousands or even millions of dollars, 300,000 is obviously too little.
By contrast, the coverage of a medical insurance policy for millions of dollars is really abundant, and most of the coverage is higher than one million dollars, so with sufficient coverage, we can be more at ease with the treatment.
2. Million dollar medical insurance covers a wide range of medical needs
Medicare is usually only able to cover basic medical needs, and the scope of coverage is quite small.
Take many special drugs, imported medicines, the latest medical equipment and services, these are not covered by medical insurance, they all need to pay for themselves, and these things are often very expensive.
Millions of dollars of medical insurance can be a good solution to this problem, like social security can not be reimbursed for these special drugs, it provides reimbursement services.
For many patients, this benefit of commercial medical insurance brings them affordable specialty drugs without having to worry about medical bills.
3, million medical insurance reimbursement rate is high
Even if the coverage, health insurance will only reimburse a portion of it, it is limited in the percentage of coverage.
The cost that the patient has to pay out of pocket is the portion that is beyond the reimbursement rate of the health insurance, but this is not the case with the MMR.
Medicare subtracts the portion reimbursed by Medicare, subtracts the deductible, and reimburses the remaining amount, which means the patient pays the deductible out of pocket.
"Since commercial medical insurance has so many benefits, can I use commercial insurance instead of Social Security? "
Friends who think this way are in great danger, so why don't you take a look at this article first:
"Do I need commercial insurance if I have social security? Can Commercial Insurance Replace Social Security?
After it is clear that there are so many highlights set inside the million-dollar medical insurance, the following school sister comes to talk to friends about how to correctly pick million-dollar medical.
Two, how to pick to a good million medical insurance?
Sister has organized, as long as you follow the following points, you can easily pick a good million medical insurance.
1, the coverage should be comprehensive
The comprehensive coverage of this point is the most basic, because only then can be very effective in transferring risk.
People in the selection of million medical insurance must pay attention to, such as bed, medical fees, treatment, surgery and so on this series of hospitalization medical expenses, all must be able to reimbursement.
Special outpatient services must also be covered, such as outpatient kidney dialysis and chemotherapy for malignant tumors.
The outpatient surgery coverage should also be done well, the so-called outpatient surgery is the surgery that does not require hospitalization, such as: the surgery to cut the abscess, the surgery to remove the breast fibroid.
The outpatient coverage before and after the hospitalization is also very important, and nowadays, most of the million-dollar medical insurance policies on the market have coverage for the outpatient coverage before and after the hospitalization.
Currently, the best insurance products before and after the hospitalization of 30 days can be covered, so in this regard, we should choose to cover the period of time relatively long.
The product that has the above coverage is considered to be a comprehensive medical insurance policy.
2, the renewal conditions should be relaxed
Renewal conditions are also an important criterion to measure whether a medical insurance product is good or not.
If the renewal conditions of a medical insurance policy are relatively stringent and difficult to purchase, then it is useless even if the product is good and cost-effective.
The best quality medical insurance is the one that has no problem with renewal, and the renewal conditions are relatively easy.
It will not be affected by the fact that the insured has made a claim or has health problems and then refuse to renew the policy.
These are the best products, and you should always choose them whenever possible.
The renewal of medical insurance is a big problem, and I can't make it clear in a few words, so why don't you open up the expert's super-detailed analysis and take a look:
How to Renew Your Medical Insurance, and What to Pay Attention to? An Explanation in One Article!
3, value-added services to be in place
Value-added services in general refers to medical advances, access to the doctor/critical illnesses of the green channel, proton reionization treatment.
Medical advances are helpful in alleviating the embarrassment of suddenly needing money and not being able to get it. As long as the appropriate information is organized, our expenses can be advanced by the insurance company, and then the expenses will be settled in the subsequent reimbursement.
The green channel for medical treatment/critical illnesses can solve the following problems properly: difficulty in registering, difficulty in seeing the doctor, etc., and it does have a great role to play.
The proton reionization technology has a better therapeutic effect compared to traditional chemotherapy, which requires a lot of expenses but is not covered by medical insurance.
Million dollar medical insurance value-added services to do a good job, so that we can more intimate protection.
Summary: Millionaire's health insurance is not only free of any problems, but also has a lot of advantages, such as a wide range of coverage as well as a high reimbursement rate.
If we are going to buy a medical insurance policy for millions of dollars, we should pay close attention to whether the product has comprehensive coverage, guaranteed renewal, and thoughtful value-added services.
Written in the end
I am the school bully said insurance, focusing on objective, professional, neutral insurance assessment;
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