Before entering the commercial health insurance evaluation, you can take a look at this dry goods: Is it necessary to buy health insurance? These routines must be paid attention to!
There are two types of commercial health insurance, namely critical illness insurance and medical insurance. Next, I will analyze the use of critical illness insurance and medical insurance for you.
The first is critical illness insurance, which will provide the insured with corresponding disease protection according to the contract. If the insured suffers from an agreed disease during the insurance period, the critical illness insurance will pay the corresponding insurance money to the insured if it meets the compensation standard.
There are no restrictions on the use of compensation paid by critical illness insurance. The insured can use this money to treat diseases, or use the remaining money to restore physical function, or even make up for the loss of income caused by the interruption of work due to illness.
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Followed by medical insurance, as the representative of reimbursement insurance, medical insurance can reimburse reasonable and necessary medical expenses in proportion, such as hospitalization reimbursement and drug reimbursement in the hospital.
The function of medical insurance is similar to that of medical insurance, but the limitations of medical insurance are obvious. For example, some medical expenses outside the drug list are not reimbursed. At this time, you can try to reimburse medical expenses beyond the scope of medical insurance reimbursement through medical insurance in proportion.
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