Before buying commercial medical insurance, it is recommended to configure medical insurance. Medical insurance is the most basic guarantee and the government's welfare policy for the people. The price is cheap and there are no insurance restrictions, so almost anyone can buy it. Commercial medical insurance is a supplement to medical insurance. Some items that cannot be reimbursed by medical insurance can be reimbursed, such as high-end treatment and special treatment.
There are many kinds of medical insurance, such as millions of medical insurance, hospitalization medical insurance and cancer prevention medical insurance.
Let's talk about these three in detail:
1, millions of medical insurance
Almost every age group is suitable for buying millions of medical insurance. Its premium is low, the reimbursement amount is high, and there is no limit to the types of reimbursement. The annual premium is only a few hundred yuan, but it is really worthwhile to get millions of reimbursement. At the same time, the coverage of millions of medical insurance is also very comprehensive, such as bed fee, nursing fee, operation fee, medicine fee and material fee. , can be reimbursed.
Let me analyze several representative millions of medical insurance for you:
Combine the pictures and make a simple analysis.
(1) Good medical insurance: Its biggest highlight is the 6-year renewal guarantee, which is unmatched by many products. In these six years, the insurance company will not refuse to insure or increase the premium because you have made a claim or your health has changed. Even if the product has stopped selling, you can continue to buy it. .
(2) Enjoy E-health: increase postoperative home care, special medical services for cancer, and increase the option of family deductible.
(3) Micro-medical insurance: The highlight of this model is that it includes value-added services of international secondary diagnosis and treatment, and professional written medical advice can be obtained.
As can be seen from the above analysis, each product has its own unique advantages. When choosing products, you should choose according to your own needs.
In addition to the three kinds of insurance mentioned above, there are many millions of medical insurance products worth buying. Friends who want to know can look at the original text: What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
2. Hospitalization medical insurance
In-hospital medical insurance has the characteristics of low deductible and minimum living allowance. This kind of insurance is mainly used for outpatient reimbursement, which is more suitable for babies under 5 years old or the elderly. Because babies and the elderly are in poor health, they are prone to catch a cold or have a fever. Relatively speaking, this insurance will be more useful to them.
3. Cancer medical insurance
Because most hospitalization medical insurance and millions of medical insurance are limited to 0-65 years old, the elderly can not be insured, but can be insured against cancer.
Cancer medical insurance only pays for hospitalization or special outpatient treatment caused by cancer. The health information of this insurance is relatively loose, and the elderly can also take out insurance. It is more suitable for people with poor physical function and older age.
This price is greatly influenced by physical fitness and age. Here are some anti-cancer medical insurance worth buying. You can make a reference and collect it if necessary: What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020