Buy family health insurance
Being sick is the last thing you want to happen, but it is inevitable. Even if you keep exercising every day without any bad habits, there is still no guarantee that you won't go to the hospital. The best way to really solve the worries is to buy a family health insurance.
Family health insurance usually takes the family as the unit, and the coverage provided can cover all family members. Buying a family health insurance directly is generally more cost-effective than buying health insurance for yourself and other family members alone, with the same coverage and compensation amount. However, it should be pointed out that the coverage and standards of family health insurance are the same for all family members. If you want to improve the insurance coverage or standard of family members, you must buy a separate health insurance for them.
Family health insurance usually includes critical illness insurance, medical insurance and income security insurance:
Critical illness insurance covers all kinds of specific major diseases agreed in the insurance contract, such as malignant tumor, myocardial infarction and cerebral hemorrhage. As long as you have these diseases, you can get a certain amount of compensation from the insurance company at one time. The exact amount depends on your insurance contract. The higher the compensation amount, the higher the insurance premium to be paid.
Medical insurance is to pay you a certain proportion of hospitalization expenses according to the amount of medical treatment. Your company may have paid you social medical insurance, but this insurance has a reimbursement rate. The reimbursement rate varies from region to region. Take Beijing as an example. Medical expenses above 1800 yuan can only be reimbursed if you go to the hospital for emergency treatment, and the reimbursement rate is 50%. At this point, medical insurance can pay the remaining medical expenses.
Income security insurance means that when you can't work due to illness and have no income, the insurance company will pay the insurance premium in installments within a certain period of time (the specific time and compensation amount will be written in the insurance contract, depending on the premium you pay).
So how to plan and buy family health insurance?
Choose health insurance according to your family situation. Before buying insurance, you need to plan which family members you want your insurance to cover. If you are only yourself, you can choose to cover only the health insurance of the insured. If you also include your spouse and children, you should choose an insurance policy that covers all family members.
To buy family health insurance, you need to know the health insurance that family members have enjoyed in advance. On this basis, you can buy supplementary insurance for unprotected risks. For example, the company where the family members are located has already purchased supplementary medical insurance for employees, which can realize full reimbursement of medical expenses, so you don't have to apply for medical insurance for him.
When buying family health insurance, you should know the scope of hospitals covered by this insurance. At present, in addition to high-end medical insurance, most of the claims for health insurance are limited to domestic public hospitals. If you want to let yourself and your family see a doctor in a private hospital with better conditions, you may wish to consider buying high-end medical insurance, but the premium of such insurance is very high, so you should consider your affordability.
Choose health insurance according to income. Insurance guarantees your future life, but you can't let the insurance cost become the burden of your present life. According to the Double Ten Law of Insurance, that is, under normal circumstances, a person's insurance coverage should be about 10 times of the annual household income, while the premium expenditure should be about 10% of the household income, and the fluctuation of 5% is the normal range. This will not affect the normal expenses of the family, but also get the necessary insurance protection.
Choose health insurance according to family history. Different health insurance products have different coverage of diseases and different deductibles. If other family members have a high incidence of a certain disease, then when you choose health insurance, you should choose insurance with the disease within the scope of protection.
After purchasing health insurance, how can I get a claim if there is a disease within the scope of insurance coverage?
Report the case in time. After confirming that your illness is within the scope of insurance liability, you should immediately call the insurance company's insurance claim number and report the case in time. If you buy insurance through an insurance broker, you can also call the broker at the same time and ask him for guidance.
Keep the certificate. According to the requirements of insurance companies or insurance brokers, keep the vouchers needed for future claims, including but not limited to original medical records, hospitalization invoices, hospitalization expenses list (including drug list and other treatment expenses list), original insurance policies, identity certificates, etc.
Apply for compensation. Submit the claim voucher to the insurance company for review. Unless otherwise agreed in the contract, the insurance company shall pay the indemnity within 10 days after the conclusion of the indemnity agreement; For those who do not belong to the insurance liability, the insurance company must also issue a notice of refusal and explain the reasons within 3 days from the date of making the decision of refusal.
Pay attention to payment and get paid. After reviewing your information, the insurance company will inform the beneficiary of the settlement conclusion, and if it passes, it will pay the insurance money by transfer.
Maintain a healthy lifestyle
Insurance only helps you to have enough money to tide over the difficulties when you are sick, but the best way is to stay healthy. People who have a healthy lifestyle, such as regular exercise and a balanced diet, will also be more efficient and more resistant to work pressure. And if you are healthy, the corresponding medical insurance costs and medical expenses will be reduced accordingly, which will also help your finances.
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