Medical insurance is the abbreviation of medical expense insurance, which refers to the insurance that provides medical expense protection. It is one of the main contents of health insurance. The function of medical insurance is to get financial help when the insured has a large amount of medical expenses. Small medical expenses paid for general diseases can be regarded as daily living expenses. Medical expenses mainly include doctor's outpatient expenses, medicine expenses, hospitalization expenses, nursing expenses, hospitalization miscellaneous expenses, operation expenses and various examination expenses. The cost of various health insurance protection is generally one or a combination of several items. Medical insurance only pays for the disability caused by disease, so we should have a clear understanding of the meaning of "disease" in medical insurance. First of all, the disease must be caused by non-congenital causes. Some congenital diseases, such as congenital heart disease, are not covered by medical insurance. Secondly, diseases must be caused by internal causes of the human body. Some initial causes come from external diseases, such as infectious diseases or influenza. Because it takes some time for the disease to form after the external cause invades the body, it should be regarded as the internal cause. Third, the disease must have been caused by accident. Health is the normal state of life, and the occurrence of diseases must be due to accidental reasons, which can be treated by drugs, surgery and other means. In other words, there must be a cause and a treatment. Natural phenomena such as old age and infirmity, although people are morbid, can maintain health through injections and medicine, but because there is no cause, it is not a disease. The following will introduce several common medical insurance, namely, general medical insurance, hospitalization insurance, surgery insurance and special disease insurance, hospitalization allowance insurance and comprehensive medical insurance. 1. General medical insurance General medical insurance provides the insured with general medical expenses related to the treatment of diseases. It mainly includes outpatient expenses, medical expenses and inspection expenses. This kind of insurance has low premium cost and is more suitable for the general public. Because it is difficult to control the expenditure of medical expenses and examination expenses, such policies generally have deductibles and cost-sharing clauses, and the insurer pays a certain proportion of the above deductibles, and stipulates that the insurance expenses should be paid once a year. When the accumulated expenses of each disease exceed the insured amount, the insurer is no longer responsible. 2. Hospitalization insurance Because hospitalization expenses are often high, hospitalization expenses are regarded as a separate insurance. The expenses of hospitalization insurance mainly include daily hospitalization expenses (bed fees), hospital equipment use fees, operation fees and medical expenses. The length of hospitalization will directly affect its cost. Therefore, the insured amount of this kind of insurance should be determined according to the average hospitalization expenses of patients. In order to control unnecessary long-term hospitalization, hospitalization insurance generally stipulates that the insurer is only responsible for a certain proportion of all expenses, not all. 3. Surgery insurance This kind of insurance provides all expenses arising from the patient's need for necessary surgery. 4. Comprehensive medical insurance Comprehensive medical insurance is a comprehensive medical expense insurance provided by the insurer for the insured, and its cost range includes all expenses such as medical treatment, hospitalization and surgery. The insurance premium of this kind of policy is higher. Generally speaking, the lower deductible is determined together with the appropriate assessment rate. 5. Special disease insurance Some special diseases often bring catastrophic expenses to patients, which is unbearable for ordinary families. Such as cancer and heart disease. Therefore, people usually require that the insurance coverage of such policies be relatively large to cover all kinds of expenses incurred. The major diseases that provide protection for the insured can be single diseases, such as malignant tumors, or even some cancers in malignant tumors; It can also be multiple items, listing several major diseases one by one, such as malignant tumor, myocardial infarction, uremia, transplantation of important organs, quadriplegia, stroke and coronary artery bypass grafting. Once the policy comes into effect 180 days, the insured can apply to the insurance company to pay the full amount of insurance money, and the insurance liability is terminated. [This article comes from: easy to send. com]
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.