Medical insurance is one of the four types of insurance with the strictest health information, so dad also made an insurance strategy for everyone, hoping to help everyone "the correct configuration of medical insurance should be like this!" 》
1. Hospitalization
General hospitalization, we also call it small hospitalization.
The scope of protection is generally general hospitalization in public hospitals.
If there is no or few deductible lines, only hospitalization expenses ranging from 1000 yuan or tens of thousands of yuan can be reimbursed, and medical expenses incurred by outpatient service cannot be reimbursed.
The warranty period is generally 1 year.
The biggest role of hospitalization is to make up for the gap of hospitalization deductible line 1 10,000 yuan for most million medical treatments.
2. Millions of medical care
Millions of medical insurance has only been launched in recent years, and it is very cost-effective.
Often you only need a few hundred dollars or thousands of dollars a year, and you can buy a million-dollar medical insurance with a coverage of 2 million yuan and a maximum coverage of 6 million yuan.
Millions of medical care is mainly used to solve large medical expenses and transfer big risks! It is a powerful weapon to prevent major disease.
3. Mid-range medical care
On the basis of millions of medical services, we have expanded the responsibility of reimbursement for outpatient services, which is no longer limited to special outpatient expenses.
It can not only cover large medical risks, but also cover small medical risks, and you can go to the top three hospitals to enjoy better medical resources and medical environment.
The price range of mid-range medical care is between 3000 yuan and10.5 million yuan, which is one of the favorite medical insurance for people from all walks of life.
4. High-end medical care
The insured amount is completely invincible, and the best quality high-end medical care can be reimbursed without limit.
Ordinary high-end medical care will also have 300,000-400,000 outpatient clinics and 89 million hospitalization expenses.
High-end medical insurance is comprehensive but the premium is expensive, and the general price is 1 10,000.