The more insurance you buy, does it mean the more you lose? Next, let's popularize science with everyone!
Whether you can make repeated compensation depends on 2 points!
As long as you meet the claim conditions agreed in the contract, the insurance company will send you the agreed amount of insurance money at one time.
Payment insurance has nothing to do with the actual medical expenses you spend. As long as you meet the compensation requirements, you can pay a few copies of insurance and accumulate claims.
Reimbursement and compensation products are accounted for, and medical expenses need to be paid first, and then the insurance company will pay compensation according to the reimbursement rules and reimbursement ratio agreed in the insurance contract.
The reimbursement amount will not exceed the actual amount spent, nor will it exceed the insurance amount agreed in the contract.
Before explaining in detail, Mr. Zhou drew a picture to help you understand it more easily.
Medical insurance is basically reimbursement claims, so even if you buy multiple medical insurance, the reimbursement cost will not exceed the total cost. For example, if you bought two medical insurances and were hospitalized once, you spent 30,000 yuan in addition to social security reimbursement. You applied for two medical insurances.
If 1 insurance reimburses you RMB 5,000 after deducting the insurance deductible, only the remaining RMB 25,000 can be reimbursed within the scope of responsibility in the second insurance reimbursement, and the reimbursed part will not be reimbursed.
Critical illness insurance, as a payment insurance product that can be paid immediately after diagnosis, can be paid repeatedly if multiple critical illness insurances are purchased.
For example, Xiao Li bought 500,000 critical illness insurance in three companies. After the waiting period, once it is diagnosed as a serious illness for the first time, and within the scope of the serious illness insurance contracts of the three companies, it can get compensation of 6.5438+0.5 million.
Generally speaking, payment insurance will pay repeatedly. Disability or death caused by an accident belongs to the liability of payment, so it can be compensated repeatedly within the scope of responsibility.
For example, Uncle Wang bought 300,000 insured accidental death/disability and 50,000 insured accidental medical treatment in Company A, 2 million insured accidental death/disability and 654.38 million insured accidental medical treatment in Company B. ..
If one day he dies unfortunately because of an accident, he can get: 300 thousand+2 million = 2.3 million accidental death compensation;
If you are hospitalized because of an accident, after deducting social security reimbursement, you need to pay 1.2 million yuan at your own expense. Then, within the scope of his responsibility, Uncle Chen Can can only reimburse 65,438+200,000 yuan for medical expenses at most.
For example, Lao Liang bought 1 copy 1 10,000 term life insurance in Company A and 1 10,000 in Company B. If he died unfortunately, the policy beneficiary can get the cumulative compensation from both companies at the same time.
Although many payment types can be paid repeatedly, it does not mean that all products can be paid repeatedly. Usually, insurance companies have restrictions on the amount of insurance.
For example, some health instructions for critical illness insurance will ask: "Have you bought critical illness insurance with a coverage of more than 500,000 in other insurance companies?" If it exceeds the limit of the insurance company, people will not insure it. Therefore, you must know clearly before insurance to avoid losses.
Finally, mr.zhou still wants to emphasize to you that the more insurance you buy, the better! Be sure to allocate it reasonably according to the economic situation of yourself and your family, so as to avoid excessive premium expenditure, which will seriously affect your daily life!
Insurance broker, I just represent the interests of customers to analyze and manage risks;