Birth, old age, illness and death are the necessary stages of life. Even if you have a healthy lifestyle in all aspects, there is no guarantee that you will not get sick in the future.
I. Definition of Health Insurance Health insurance refers to the insurance that the insurance company pays the insured for diseases, medical care and nursing caused by health reasons.
According to the definition, health insurance can be divided into two categories, one is medical insurance and the other is critical illness insurance.
Medical insurance: used to transfer family medical expenses. For the medical expenses incurred by the insured in medical institutions, the insurance institutions will reimburse certain expenses according to the terms.
Critical illness insurance: the full name of critical illness insurance, which is based on illness.
Medical insurance is generally reimbursed after treatment, and once the critical illness insurance is diagnosed and meets the contract requirements, you can get a compensation. The combination of the two can better transfer the risk of disease.
Back to the original question, is it necessary to buy health insurance?
The answer to this question is necessary if you want to transfer the risk of economic losses caused by diseases. If you don't care about this loss, it's another matter.
Second, how to choose medical insurance? 1.？ What problems should be paid attention to when choosing million medical insurance?
1) renewal conditions
Because most of the millions of medical insurance is 1 year, there is no guarantee of renewal, so it is necessary to consider whether the insurance will affect the renewal of insurance and whether the product is at risk of suspension.
2) Health notification
In order to improve the stability of products, reduce the risk of stopping selling, and control the proportion of sickness insurance, insurance companies will be stricter in health notification, so they should pay attention to insurance.
3) Deductible
Most millions of medical insurance have deductibles, which means that within this amount, insurance companies do not need to bear the responsibility for claims.
Therefore, when choosing, we should clearly see the provisions of the insurance contract for the deductible. The lower the amount, the better, preferably 0 deductible.
4) Occupational restrictions
Millions of medical insurance has restricted many occupations because of its strong protection. Therefore, before applying for insurance, it is necessary to know whether your occupation meets the requirements and avoid problems in future claims.
5) renewal conditions
Because most of the millions of medical insurance is 1 year, there is no guarantee of renewal, so it is necessary to consider whether the insurance will affect the renewal of insurance and whether the product is at risk of suspension.
Friends who want to know the information of millions of medical insurance products can look at: "Which is better for millions of medical insurance? How much is it a year? 》。
Third, how to choose critical illness insurance? The choice of critical illness insurance is different from millions of medical insurance. In addition to the content of protection, the amount of insurance also needs to be considered.
In order to let everyone have a more comprehensive understanding of critical illness insurance, my father directly selected the more popular critical illness insurance, including overpayment of critical illness insurance and overpayment without grouping.
Dad directly gave the conclusion:
Pursuit of critical illness protection: guardian 3
Defender No.3 can pay 150% of the insured amount before15 and 120 of the basic insured amount for the second time.
Some people may think that there are products in the list that can pay up to 200%, so why not choose them?
It is clear here that the critical illness insurance should pay more attention to the proportion of the first payment, because the probability of suffering from serious illness for many times is relatively low, so the first insurance coverage is more practical.
Pursuit of minor illness protection: wishful life guardian collector's edition
The product can pay 65% of the basic insured amount when it is diagnosed as a moderate disease, and 50% of the basic insured amount when it is diagnosed as a mild disease. These two payment ratios are relatively high, and the protection for moderate and mild diseases is relatively strong.
Pursuing the second payment for cancer: wishful life guardian collector's edition, Jia Duobao, Bei Jixing
All three products have a second payment for cancer, among which Ruyi Life Guard Collector's Edition can make a second payment of 150%.
Through my father's analysis of health insurance, I believe everyone has their own judgment on whether it is necessary to buy health insurance.
Hope to adopt!
Source: Nanba Daily