Although there is social security, the reimbursement rate of social security is relatively limited, and the treatment cost of major diseases is also very high. With health insurance, you can make a second reimbursement at this time, which can reduce the medical pressure and make up for the loss of income during illness.
There are many kinds of health insurance. Common health insurance can be divided into critical illness insurance and medical insurance. The critical illness insurance covers as many as 100 kinds of diseases, including mild, moderate and severe diseases, and adopts the fixed compensation type. Once the contracted disease is diagnosed, the insurance company will pay the insurance money agreed in the contract. Medical insurance is a kind of reimbursement product, which mainly reimburses medical expenses caused by illness or accidental hospitalization.
According to the amount of protection, medical insurance can be divided into micro-medical insurance and millions of medical insurance, mainly in the difference between deductible and insured amount. The deductible line of small medical insurance is low, and the reimbursement ratio will be limited, while the general deductible line of million medical insurance is 654.38+100000 yuan, which is not limited by the scope of social security and treatment methods. Many millions of medical insurance also have medical green services to solve the problem of medical treatment.
If you want to know how to configure health insurance, you can look here: "The insurance strategy of health insurance, these tricks must be collected."
Health insurance is mainly aimed at diseases that may occur in people's lives and solves the economic pressure brought by diseases, which is highly recognized by users.
Knowing what health insurance is, you can avoid risks by configuring appropriate types of insurance and products.
Critical illness insurance mainly protects critical illness and can be paid immediately after diagnosis. The funds paid can be used to treat diseases and relieve the pressure of income loss, while medical insurance can reimburse serious illness and minor illness, effectively relieving the pressure of medical expenses. The two are insured together, and the protection is more comprehensive.