According to the different security methods, medical and health insurance can be divided into: expense type and subsidy type.
Expense type: Based on the medical expenses incurred by the insured in the process of medical treatment, the insurer will compensate all or part of the medical expenses of all items according to the insurance contract.
Subsidy type: the insurer pays the insurance money according to the medical items agreed in the insurance contract and the agreed insurance amount!
At present, medical expenses have risen sharply, causing some people to get sick but dare not see a doctor, unable to bear high medical expenses. The main reasons for the increase in medical expenses are:
1: The unit labor cost increases, and the medical service management cost increases.
2. Changes in medical service equipment and the use of a large number of high-tech and new equipment.
3. The destruction of ecological environment and the increase of various diseases; The pressure of work and life and so on.
Therefore, a reasonable and effective choice of health insurance that suits you can effectively alleviate the economic pressure brought by family members' illness. But how to choose?
In essence, insurance is neither good nor bad. The introduction of any kind of insurance is approved only after the research and decision of the relevant state departments, in order to safeguard the rights and interests of consumers and provide protection for consumers. The key is to choose the insurance that suits you! Tailored.
Characteristics of health insurance:
1: insurance amount and insurance period.
Health insurance includes not only the protection of diseases, but also the compensation for medical expenses and income losses, and the payment amount is often determined according to actual expenses or income losses. Therefore, some types of health insurance have the property of life insurance, while others have the property of damage insurance. In addition to long-term insurance, health insurance is mostly short-term insurance for one year or less.
2. Subrogation:
In health insurance, the insurer has the right of subrogation to prevent the insured from obtaining additional benefits through insurance.
3. underwriting standards:
The underwriting conditions of health insurance are generally much stricter than those of ordinary life insurance, and it is necessary to strictly examine the factors that cause diseases, which are generally judged according to the medical records of the insured. In order to prevent the sick insured from taking out insurance, the insurance contract usually stipulates a waiting period or an observation period.
4. Cost sharing
Health insurance is risky, difficult to control and unpredictable. Therefore, in health insurance, the insurer's liability for payment of sickness medical insurance often has many restrictions and restrictive clauses.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.