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1. What are the main considerations when choosing medical insurance?
Renewal: Focus on whether the insurance can be renewed after illness/claim settlement; Maximum days of reimbursement in a single year: 365 days is the best; Health advice: nonstandard (those with diseases or medical history); Can you buy it? Compensation ratio: the higher the reimbursement ratio, the better, preferably 100% reimbursement; Deductible: Usually, the deductible of millions of medical insurance is 1 0,000. Medical coverage: Is it limited to social security drugs? Leverage ratio: that is, cost performance.
Two, commercial medical insurance can be divided into reimbursement medical insurance and compensation medical insurance. Reimbursement medical insurance means that the medical expenses spent by patients in hospitals are reimbursed by insurance companies, which are generally divided into outpatient medical insurance and inpatient medical insurance. Compensatory medical insurance refers to the fact that the patient is definitely diagnosed by the hospital with a certain disease listed in the contract, and the insurance company pays the patient's treatment and nursing expenses according to the amount agreed in the contract. Generally divided into single disease insurance and critical illness insurance. There are similarities and differences between the above two kinds of medical insurance. The same thing is that you can only get insurance benefits if you are sick. The main difference is that general medical insurance belongs to various types, that is, all kinds of diseases can get insurance benefits. Special medical insurance is a special category, that is, diseases or operations clearly listed in the insurance contract can get insurance compensation. Medical insurance introduced by insurance companies often combines some of the above two types of insurance.
Three. In short, subsidized medical insurance is medical insurance that the insurance company pays the insurance premium to the insured by time, day or project according to the subsidy standard stipulated in the contract. Claims have nothing to do with actual medical expenses, and invoices are not needed. It is suggested that the reimbursement of medical expenses should be considered first when purchasing medical insurance, and then the compensation for losses caused by hospitalization can be considered. Only by consolidating the basic guarantee and supplementing it on this basis can we add icing on the cake. People with adequate social insurance can give priority to subsidizing medical insurance when choosing medical insurance.