What problems should be paid attention to when purchasing commercial medical insurance?

1. Tell the health truthfully: medical insurance will definitely tell the health. The basic principle of answering is to answer questions, don't ask, don't answer, and don't answer too vague questions. Be sure to tell them honestly about your questions according to your own situation. Concealing one's illness will not bring any benefits to the insured, but will be more troublesome, leading to the invalidation of the insurance contract. Therefore, the physical condition and past medical history should be truthfully stated before insurance, so that the insurance company can judge whether to underwrite or under what conditions;

2. Understand the liability of the insured amount: understand the scope of the insured amount, because the insurance company will pay only if there is an accident within the scope of the liability, so before buying, be sure to know whether the outpatient, hospitalization, surgery and other items can be reimbursed to avoid disputes when seeking medical treatment;

3. Pay attention to the waiting period: In addition to the hospitalization medical expenses caused by accidents, for general medical insurance, insurance companies will have a waiting period when underwriting, that is, after the insurance contract takes effect for a period of time, the insurer will be responsible for the medical expenses incurred by the insured due to illness. If the disease is diagnosed during the waiting period, it will not be paid;

4. Make clear the reimbursement ratio and deductible: the insured amount of medical insurance of one million yuan is very high, and the general deductible is 6,543.8+0,000 yuan. Medical expenses did not reach RMB 6,543,800+0,000, so claims will not be settled. Some low-income medical insurance deductibles are low or even zero, but the corresponding coverage is not high. In addition, the proportion of compensation for different medical projects is different, so you should know clearly before insurance.