Get out of the six misunderstandings of "health insurance"
Myth 1: "I am in good health and have medical insurance, so I don't need to buy medical insurance, or wait until I am in poor health."
The coverage of medical insurance is limited, and the scope of drugs that medical insurance can reimburse is also limited. In countries with extremely perfect social security, such as Britain and Germany, a large number of residents still buy commercial health insurance, and it is even more necessary to take precautions in China.
According to public data, the probability of a person suffering from a serious illness in his life is as high as 72%. Being healthy now does not mean that he will be healthy forever. According to the survey, the comprehensive health index of Chinese mainland residents showed a V-shaped change. At the age of 30, the score began to decline, reaching the bottom at the age of 50 to 59, and rebounding after the age of 60. In other words, after the age of 30, our health begins to decline, and the premium requirements of healthy people and sick people can be different from each other. In order to avoid being sad in one day, it is necessary to prepare a suitable health insurance for yourself as soon as possible.
Myth 2: "It is enough to buy a kind of health insurance."
Medical insurance, critical illness insurance, disability insurance and other products have their own advantages.
For example, buying medical insurance can certainly get more suitable protection, but it will inevitably leave a blank of protection. Non-expense-compensated health insurance such as critical illness insurance is not bound by the principle of loss compensation, and once it is out of danger, it can be compensated at the same time as other products.
On the contrary, critical illness insurance cannot cover all diseases, and other health insurance is needed. Therefore, it is a foresight to tailor a variety of different health insurance for yourself when economic conditions permit.
Myth 3: "Pay more attention to interests than protection"
A large number of products on the market are savings health insurance. Although the income of these products is attractive, if we look at the essence through dazzling terms, yield to maturity is generally significantly lower than the after-tax interest rate of bank time deposits, and the dividends of domestic insurance companies are extremely limited. Therefore, this part of the premium is not as affordable as choosing a stable wealth management product. What's more, if you need money urgently, you have to surrender, and you can only get the cash value of the policy, even lower than the principal amount.
Health insurance is essentially a safeguard product to deal with health risks. Therefore, if you don't understand the financial policies of insurance companies, it is more cost-effective to buy consumer health insurance and use the money saved exclusively for investment.
Myth 4: "As long as the medical expenses agreed in the contract occur, medical insurance will compensate."
In fact, this issue involves a deep legal source, that is, whether the principle of loss compensation is applicable to medical insurance, especially products with cost compensation. In this regard, the "Five Answers on Several Issues in the Trial of Civil and Commercial Cases (Trial)" adopted by the Beijing Higher People's Court on March 12, 2007 clearly stipulates: "The principle of compensation is not applicable to medical expenses insurance in health insurance and accidental injury insurance. Unless otherwise agreed in the insurance contract. " In other words, if it is clearly stipulated in the insurance contract that "the insurance company shall bear the insurance liability for the remaining medical expenses of public medical care and social medical insurance" or other exemption clauses, the compensation insurance money will be deducted from the actual medical expenses.
Myth 5: "If you have a serious illness, you will have a serious illness insurance."
The payment of critical illness insurance shall be based on the major diseases agreed in the insurance contract. General insurance companies will add some of the 25 major diseases to the definition and use standard of critical illness insurance. Therefore, common major diseases will be compensated, but as long as they are serious diseases, they will not be compensated.
At the same time, the insured also needs to truthfully inform the insurance company of their health status and pay attention to paying on time. After the payment of some critical illness insurance contracts is interrupted, if the insured is out of danger within a period of time after the payment is resumed, the insurance company can be exempted from liability.
Myth 6: "The more diseases covered by critical illness insurance, the better."
The coverage of all critical illness insurance covers the six most prone diseases, such as malignant tumor and acute myocardial infarction. 95% of the critical illness insurance claims are concentrated on the major disease 10, and the cancer claims rate is as high as 84.4%, while the incidence of other diseases is not high. If we blindly pursue the comprehensive protection of diseases, the premium will naturally be high, which is not suitable for ordinary families.
Most people are not "local tyrants" and need to choose suitable products according to the actual situation of the insured. To buy for children, we need to choose high-risk diseases such as leukemia for children, consider frequently-occurring diseases such as breast cancer and cervical cancer for women, focus on cardiovascular and organic diseases for the elderly, and spend money on the cutting edge to make critical illness insurance exert its greatest power.