The flu is raging, and these three groups of people should focus on health insurance.
But for adults with strong immunity, as long as the treatment is timely, it will generally not cause serious consequences. However, for the elderly, children and patients with basic diseases with relatively low immunity, if influenza is not properly prevented and treated, it may cause complications and serious consequences. Therefore, every year during the flu season, if you have these three types of people at home, you should pay special attention and make some preparations in advance. Today, I will tell you something about it from the perspective of insurance. What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.
As we all know, influenza virus is more severe than common cold, especially for children under 3 years old, the elderly and people with basic diseases. Once the flu is diagnosed and the condition is serious, it may require infusion or even hospitalization. This can also be seen from the fullness of pediatrics in major hospitals this year. Therefore, I suggest that if there are old people, children and people with basic diseases at home, we might as well focus on medical insurance. This insurance product is mainly used for economic compensation for treatment, hospitalization, surgery and other expenses caused by diseases. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020
But for medical insurance, you also need to know three little common sense about medical insurance:
NO 1: concept
Medical insurance refers to the insurance that pays the insurance premium on the condition that the medical behavior agreed in the insurance contract occurs, and provides protection for the medical expenses of the insured during the medical treatment. It is one of the main contents of health insurance. General medical insurance mainly includes general medical insurance, hospitalization insurance, surgery insurance and comprehensive medical insurance.
Second: guarantee cost
Medical expenses are generally differentiated according to the characteristics of medical services, mainly including doctor's outpatient expenses, medicine expenses, hospitalization expenses, nursing expenses, hospitalization miscellaneous expenses, operation expenses, various inspection expenses, etc. The expenses covered by different health insurance policies are generally one or a combination of several items.
Third: Buy knowledge.
First of all, inpatient medical insurance does not bear the outpatient medical expenses. Secondly, the insurance period is generally one year and needs to be renewed every year. Thirdly, the common clauses of medical insurance mainly include deductible clause, proportional payment clause and payment limit clause.
As long as the deductible clause refers to the deductible that the insured can bear economically for the lower medical expenses.
Generally speaking, the proportional payment clause can be paid according to a fixed proportion (for example, the insurer bears 70% and the insured bears 30%) or a progressive proportion. The payment limit clause refers to the highest payment limit of the insurer's medical insurance, which is used to control the total expenditure level.
What needs to be reminded here is that when buying medicines for children, doctors can also be reminded to prescribe medicines that can be reimbursed by social security or insurance. People often have an idea that the more expensive the medicine, the better. But the price of medicine is not necessarily proportional to the effect, so it should be treated rationally. We can consult in many ways, make suggestions, and then refer to the doctor's advice to decide whether to prescribe social security or reimbursement drugs. (Under normal circumstances, social security for imported drugs is not reimbursed, and commercial insurance may not be fully reimbursed. Therefore, many consumers go to insurance companies with invoices and find that their drugs are not covered by insurance claims. Therefore, they may wish to remind doctors of their wishes in advance when seeking medical treatment. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
If there are old people, children and basic patients at home, then the best way to deal with the flu is undoubtedly vaccine. Many medical workers also said that active vaccination against influenza every year is the best way to deal with the flu. On the other hand, many parents are worried about the safety of vaccines. Although the probability of an accident is very low, they may still feel a little drumming in the face of the flu vaccine that has to be given once a year.
In fact, vaccine-related insurance products are not in a blank stage in China, and some insurance companies have launched corresponding products. If parents are worried, they can consult relevant insurance institutions to buy them, so that they can get a higher level of supplementary insurance compensation while getting basic insurance compensation. In addition, some high-end medical insurance in China can also cover the needs of parents to choose more advanced vaccines. For example, on the one hand, let children enjoy the diagnosis and treatment of high-end medical institutions that have signed contracts with insurance companies when they have medical needs; On the other hand, some high-end medical products also include imported vaccines and other items, which can satisfy parents with high demand for vaccines.
Finally, a long-winded sentence: I hope everyone will pay attention to their health during the flu season and try not to go to places with heavy traffic to avoid being recruited. In addition, drinking more water, going to bed early, keeping proper exercise and enhancing resistance are the king!
(The article comes from the "Baojian Micro Classroom" of WeChat official account)