1. What kinds of health insurance are there?
The so-called health insurance means that the insured cannot predict what will happen in the future, so they can protect their own interests through this insurance. Once the insured has related problems during the insurance period, he will get some cash compensation from the insurance company at this time. In contemporary society, health insurance is also favored by most people. So what are the classifications of health insurance? The first category of health insurance is medical insurance, followed by sickness insurance, disability income loss insurance and nursing insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Second, the characteristics of various types of health insurance
First of all, let me introduce the characteristics of medical insurance in the health insurance category. Because in daily life, it is difficult for everyone to predict what kind of accidents or accidents will happen to them, so medical insurance can ensure their own safety. In particular, the cost of hospitalization will be reduced by more than half, which will also reduce your burden.
The second kind of health insurance is sickness insurance. This kind of insurance is more restrictive. Because this insurance is mainly based on our own needs, we will need to choose a disease when we insure ourselves, so when we suffer from this disease, the insurance company will pay our medical expenses in one lump sum. After all, some diseases cost a lot of money once they are diagnosed, so this is also a way to make yourself less stressed when you are sick. Of course, it should be noted that general sickness insurance has an observation period. During the whole observation period, even if the insured has some diseases, the insurance company will not give subsidies.
The third type of health insurance is the introduction of disability income loss insurance. This kind of insurance means that when the insured loses the ability to work due to a certain disease in the insurance within a specified time, the insurance company will provide a subsidy in stages, so that the insured can have a fixed income to ensure his life. Another is the characteristics of nursing insurance. This classification is special, that is, the insurance money already paid will not be confiscated. In other words, if the insurance cancels this policy, the insurance company will refund all the insurance money paid before. This is also the biggest feature that distinguishes it from other insurances. In addition, this policy can be continued. No matter how old you are, you can renew it, which is one of the reasons for its popularity. Therefore, among all kinds of health insurance, nursing insurance is also the most popular.
Third, the health insurance case analysis
Mr. Wang can't work normally because he lost his right hand in an accident. So I have to quit my job to do another suitable job, and my meager monthly income can't afford the family expenses. What he insured in health insurance is disability income, so how can the insurance company compensate at this time?
Take Mr. Wang as an example. He just lost his previous job, but he can still do other jobs. According to the insurance company's health insurance, this is a partial disability. Therefore, insurance companies will not claim compensation according to total disability. The specific formula is as follows: partial disability payment = total disability payment × (income before disability-income after disability)/income before disability.
4. Why do more and more people invest in China Merchants Cigna Health Insurance?
Compared with other insurances, health insurance is still better. In addition, now people pay more attention to their own health, so naturally more people take out health insurance. Of course, this is only a subjective reason. The objective reason is mainly because health insurance can meet the interests of the insured to the maximum extent, and can provide the insured with a basic living guarantee when some health problems occur, so as not to let himself have no dependence when he is sick. Moreover, in the case of health insurance, the general term is one year, so the range of choices is relatively large. Of course, during this period, the insurance company will make provisions, and the interests of the insured will not be harmed a little. Because during the insurance period, insurance companies will adjust the amount of claims according to market changes, age growth and other external factors. After this adjustment, it is more beneficial to the insured, so health insurance has attracted everyone to a certain extent.
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What are the types of health insurance cases?
Affected by critical illness insurance, many policyholders believe that all health insurance will compensate according to the basic insured amount as long as the matters agreed in the contract occur. Actually, it's not. Let me tell you more intuitively through a case.
Last year, at the suggestion of a friend, Ms. Qin from Beijing bought an insurance policy with a coverage of 20,000 yuan. In May of this year, Ms. Qin spent 25,000 yuan on medical expenses when she was hospitalized. According to the insurance payment ratio, she can get 17780 yuan from the insurance company. However, because she has already reimbursed the medical expenses of 18800 from social security. Therefore, the insurance company only compensated her for the difference between actual expenses and reimbursement expenses, 6200 yuan. This makes Ms. Qin very unacceptable. After communication, she learned that health insurance is divided into two types: expense type and subsidy type.
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Which health insurance company is better?
At present, all major insurance companies have launched commercial health insurance business, and the insurance products launched by different insurance companies have their own characteristics. Therefore, when investigating which commercial health insurance company is good, we should consider the following aspects.
I. Asset structure. In the insurance industry, whether it can be listed or listed as a whole is one of the signs to evaluate whether the overall assets of an insurance company are excellent or not.
Second, solvency. The solvency of insurance companies is very important to insurance consumers. This means whether the insurance company is able to pay when the insured is in danger.
Third, credit rating. There are many institutions in the world that specialize in evaluating the credit ratings of financial institutions such as banks and insurance companies. Their rating of insurance companies can be used as a reference for evaluating the credit rating of insurance companies.
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