In order to make it easier for everyone to buy commercial health insurance products that suit them as much as possible, the following senior sister will tell you about commercial health insurance.
Before officially entering the theme, the senior sister will give you a simple knowledge of insurance under popular science: super-complete! Everything you want to know about insurance is here.
Simply put, the common commercial health insurance in the market mainly includes critical illness insurance and medical insurance, with the health of the insured as the protection object.
As mentioned above, these two kinds of health insurance have their own characteristics and different functions, but I suggest you configure one each.
If you have any questions about health insurance, you can poke this article to find out: Is it necessary to buy health insurance? These routines must be paid attention to!
1. critical illness insurance
Critical illness insurance is mainly used to deal with the huge risks brought by major diseases, that is, a kind of disease insurance with the major diseases agreed in the insurance contract confirmed by the insured and satisfying the claim conditions as the payment condition.
Its coverage usually includes 28 major diseases required by the CBRC, and it can also be set for some high-risk and susceptible major diseases (depending on different products).
Moreover, critical illness insurance belongs to payment insurance. As long as the insured is diagnosed and meets the agreed diseases and conditions, the insurance company will pay an insurance premium according to the corresponding conditions.
2. Medical insurance
Medical insurance is mainly to reimburse the reasonable and necessary medical expenses incurred by the insured when he is seriously ill, which can solve the worry that the insured cannot bear high medical expenses to some extent.
Compared with critical illness insurance, medical insurance belongs to reimbursement insurance, and only related medical expenses can be reimbursed in proportion.
Finally, I want to remind you that you must pay attention to health notification when buying health insurance. I suggest you tell the truth! If you really don't know how to pass health notification, this article is worth referring to: What are the tips for health notification when you are insured?
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