Health insurance is a kind of life insurance that takes the insured's body as the insurance object and compensates the insured for the expenses or losses caused by illness or accidental injury.
Health insurance generally includes critical illness insurance, medical expense insurance, disability income insurance, nursing insurance and medical accident insurance, as follows:
In the social medical security system, workers' basic medical insurance and urban and rural residents' basic medical insurance are the main bodies, but government medical insurance can only provide basic medical services, and it is difficult for medical insurance to fully meet the medical needs of different income groups and the expenses of serious diseases. As the basic medical insurance system faces the double pressures of expenditure pressure and security gap, commercial health insurance, as an important supplement to the basic medical insurance and an indispensable part of the medical security system, undertakes the responsibility of meeting the multi-level and diversified health security needs and is an important force to promote the construction of a healthy China.
The human body has 8 systems, 36 important organs, 206 bones and 23 trillion cells. Everything can be damaged except hair. Health insurance should not only solve personal medical expenses, but also solve family economic problems caused by major diseases. If a person is really seriously ill, there are three expenses that must be spent: 1. Medical expenses; 2. Rehabilitation expenses; 3. Loss of income. Medical programs are becoming more and more different. The differences between general wards and intensive care units, public hospitals and private hospitals, local areas and the world are enormous. The same disease, different medical resources, different medical expenses. So we must look at today's purchase decision from the perspective of future demand. High health insurance can ensure a stable and earmarked health fund in the future and ensure that our future quality of life and medical care will not be affected.
In 2020, the growth rate of health insurance premium will exceed 40%, because the COVID-19 epidemic has enhanced people's health awareness and insurance awareness. Health insurance products can be divided into short-term health products and long-term health products according to the different guarantee periods. Generally speaking, health products with insurance period within one year (including one year) are called short-term health insurance. Short-term health insurance products have the advantages of low premium and flexible guarantee, and are favored by most consumers.
In order to facilitate everyone's understanding of health insurance, let's first introduce it in categories:
Critical illness insurance is a kind of payment product, and it is health insurance with major diseases as the protection object. Once the insured suffers from the disease stipulated in the insurance contract, the insurance company will pay the insurance money.
Critical illness insurance has outstanding characteristics: payment after diagnosis, and the use of the insured amount is not limited. During illness, there is no need for machines to advance medical expenses, which reduces the personal medical burden.
Anti-cancer insurance, as its name implies, is an insurance product specially developed for cancer. The diseases covered include tumors and carcinoma in situ, but there are no other major diseases. It can also be seen from this aspect that the coverage of critical illness insurance is wider, while the coverage of cancer prevention insurance is only cancer.
Advantages: For cancer in situ, skin cancer is guaranteed, and the price is much cheaper than critical illness insurance;
Disadvantages: the coverage is narrow, and you can't buy other health insurance when you get sick later.
Medical insurance takes the occurrence of medical behavior as the condition of paying insurance money, and provides protection for the medical expenses of the insured during medical treatment. Medical insurance is generally reimbursement insurance, which requires us to hand over the medical records, charge invoices, expense lists and other materials issued by the hospital to the insurance company for claim settlement, and the amount paid by the insurance company will not exceed our treatment expenses.
The characteristics of medical insurance are also obvious: as a supplement to medical insurance, the premium is low, the security is high and the security is comprehensive.
Since the end of 2020, Bao Li Insurance has successively launched a number of health insurance products, such as Million Medical Combination Insurance, Million Critical Illness Insurance, and Cancer Prevention Medical Insurance, in various channels, such as Water Drop Insurance Mall and Firefly Insurance. Rich product forms, flexible and optional protection content, and support monthly premium payment. High insurance coverage, wide types of protection, and many types of value-added services, not limited to social security.
Bao Insurance's health insurance products meet the needs of many families, and a variety of protection schemes can be selected as needed, with simple renewal and many value-added services. Self-funded drugs, imported drugs, intensive care units and other "burning money" medical expenses can be reimbursed, without worrying about high insurance coverage.
Under the national policy of "Healthy China", people's awareness of health insurance in China has gradually changed. They should buy more while they are healthy. It's better to "plan ahead" than "everything happens for a reason".
Bao Li insurance company
Wealth Mutual Insurance is a multi-insurance international insurance company, established in 19 12, and headquartered in Boston, Massachusetts, USA. At present, there are more than 800 institutions in 29 countries and regions around the world, with about 45,000 employees. The latest data in 2020, the sixth largest international property insurance company in the world. By the end of 2020, the total assets of mutual insurance in Bao Li reached US$ 6,543.8+US$ 045.4 billion, and the total income reached US$ 43.8 billion. Standard & Poor's rating is "A" (strong), Moody's rating is "A2" (good), and the best rating is "A" (excellent). In 20021year, Fortune Global 500 ranked 262nd.
Bao Li Insurance Co., Ltd. is a wholly-owned subsidiary of Bao Li Mutual Insurance in China. From 65438 to 0996, Liberty Mutual Insurance Company began to set up an office in China. In 2003, it set up a branch in Chongqing, China, and took the development of China market as the key strategy, becoming the first foreign insurance company to enter the western part of China. In 2007, Bao Li Mutual Insurance Chongqing Branch was upgraded to a wholly-owned subsidiary of Bao Li in China with the approval of China Insurance Regulatory Commission, and was officially renamed as Bao Li Insurance Co., Ltd., becoming the first China Fortune 500 company headquartered in Chongqing. Since 2009, Bao Li Insurance Co., Ltd. has set up branches in Chongqing, Beijing, Zhejiang, Ningbo, Guangdong, Shandong, Sichuan, Shijiazhuang, Tianjin, Henan and Yunnan, and has continuously introduced foreign insurance services to more markets in China. In 20 15, Bao Li Insurance Co., Ltd. obtained the sales license of motor vehicle commercial insurance, which marked that Bao Li Insurance Co., Ltd. officially entered the online auto insurance market in China.
With extensive sales channels and diversified insurance products, Bao Li Insurance Co., Ltd. will adhere to the century-old corporate mission of "We are committed to helping people embrace today and confidently pursue the future" and provide quality and innovative professional services to more customers.
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