Health insurance is the Chinese abbreviation of health insurance, which refers to the insurance that insurance companies pay insurance money for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance. Please refer to health insurance for details.
Pay attention to buying health insurance
Statistics show that more than 90% of the insured can be insured. However, due to physical reasons, quite a few customers can't buy insurance products. Therefore, people in the insurance industry emphasize that insurance must be at a healthy time.
The underwriting staff of an insurance company said that after the customer confirmed the purchase, the company must also underwrite the customer. For people who are sick, refusing insurance is the worst case. Customers like Ms. Hao have already suffered from a serious illness. At this time, the risk has occurred, and the refusal of the insurance company is an inevitable result.
For some sick patients, insurance companies can cover them, but they have to pay more, because these patients are more likely to suffer from serious diseases than normal people. Mr. Liu is seriously overweight and suffers from high blood pressure. He was asked to increase a certain percentage of the premium when taking out insurance.
In addition, when purchasing insurance products in spite of illness, the insurance company may require an agreement on exclusions, that is, in addition to the standard contract, the insurance company and the insured separately agree to include certain insurance liabilities in the scope of non-coverage. For example, when patients with gallstones are insured for hospitalization medical allowance insurance, the insurance company requires that hospitalization caused by gallstones and their complications be listed as an excluded liability.
Buying health insurance can be divided into three steps.
The acceleration of work pace, the increase of pressure and the deterioration of the environment are all threatening the health of modern people. Insiders said that when choosing to buy health insurance, the first thing to consider is accident insurance and major illness insurance, because these two types of insurance not only play an important role in escort, but also can be used as a specific reserve in case the insured needs money urgently in the future.
Citizens who already have basic medical insurance can choose commercial health insurance in three steps. First of all, give priority to accident medical insurance, because accident medical insurance belongs to expense reimbursement insurance, which can reimburse medical expenses in emergencies. Secondly, consider critical illness insurance, which is characterized by immediate compensation after diagnosis. Generally speaking, medical insurance has many restrictions on the use of drugs for major diseases and hospitals, so critical illness insurance has become the best tool to supplement the shortage of medical insurance. Third, you can consider buying income allowance insurance to make up for the loss of income and part of medical expenses caused by sick leave.
Case introduction
Pay attention to the insurance details when buying insurance products. For example, Mr. Xu bought a commercial medical insurance of 6.5438+0 million yuan from an insurance company. He spent 12500 yuan on medical expenses once in hospital. Under normal circumstances, he will be paid 8890 yuan by the insurance company. However, because he reimbursed 9400 yuan from the social basic medical insurance, the insurance company finally paid him 3 100 yuan as the difference between the actual expenses and the reimbursement expenses. This makes Mr. Xu very puzzled. It turned out that he bought cost compensation insurance, and the insurance contract implemented different rates for the insured's social basic medical insurance. Therefore, the insurance company only bears the insurance liability for the difference.
The above cases remind the insured that when purchasing insurance, they must fully understand the terms of the insurance contract. If in doubt, you can directly call the customer service hotline of the insurance company for consultation, focusing on insurance liability, liability exemption, rights and obligations of the insured and the insured, hesitation period, relevant agreements on surrender, and fee deduction.
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In addition, consumers should pay attention to the following main issues when purchasing life insurance products such as health insurance:
1. Pay attention to whether the insurance salesman has legal sales qualification;
2. Consumers should truthfully inform the relevant information and fill in the insurance information truthfully, otherwise it may affect future claims or payments;
3. Try to use non-cash methods such as bank transfer to pay premiums to ensure the safety of funds;
4. Consumers can make reasonable use of 10-day hesitation period. During this period, they feel that the insurance products are not suitable for them and can unconditionally terminate the insurance contract.
In short, consumers should know more about the basic knowledge of insurance, enhance their awareness of risk prevention, and safeguard their own rights and interests in order to clearly buy insurance.