The contents of critical illness insurance and medical insurance are different. You can look at this photo:
Generally speaking, it is recommended to buy medical insurance before buying commercial medical insurance. Medical insurance is the most basic guarantee, and there is almost no requirement for insurance. Everyone can buy it, and the price is very cheap. Commercial medical insurance is a supplement to medical insurance, and some items that cannot be reimbursed by medical insurance are guaranteed. For example, imported drugs, high-end treatment costs, special inspection costs and so on.
There are many kinds of medical insurance on the market at present. There are millions of medical insurance, hospitalization insurance and cancer insurance.
Next, I will tell you in detail:
1, millions of medical insurance
Millions of medical insurance is a product suitable for all ages, because its cost is low, the reimbursement amount is still very high, and there is no restriction on the types of diseases to be reimbursed. A few hundred yuan a year can guarantee several million yuan, which is very cost-effective. In addition, millions of medical insurance covers a wide range, such as bed fees, nursing fees, surgery fees, medicine fees, materials fees and so on. , can be reimbursed.
Next, I will analyze several popular millions of medical insurance for you:
Can be obtained through pictures.
(1) Good medical insurance: Its biggest highlight is to guarantee the renewal of insurance for 6 years, 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: International value-added services for secondary diagnosis and treatment have been added.
As can be seen from the above, each product has its own unique advantages. When choosing products, you should choose according to your own needs.
In addition, there are many millions of medical insurance products with high cost performance. If you want to know, you can click on the original evaluation: "Great value! Millions of medical insurance worth buying are all here! 》
2. Hospitalization medical insurance
The main characteristics of hospitalization medical insurance are low deductible and low reimbursement. 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 physically weak, there are more chances of catching a cold and having a fever. For me, this insurance has a greater effect on them.
3. Cancer medical insurance
At present, most of the hospitalization insurance and millions of medical insurance on sale are limited to the maximum age of 65. Old people can't be insured, but they can be insured against cancer.
The coverage of anti-cancer medical insurance is aimed at cancer. The health information of this insurance is relatively loose, and the insurance age is also relatively wide. It is more suitable for people who are older or have some diseases.
This price is greatly influenced by physical fitness and age. Here are some anti-cancer medical insurance products worth buying. If necessary, you can look at it: "bonus hunter! Ten popular anti-cancer medical insurance worth buying.
Hope to adopt!
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Source: "The difference between medical insurance and critical illness insurance: both belong to health insurance but completely different"-Xueba said insurance network