What is the cost of commercial health insurance? It is important to know the type.
What is the cost of commercial health insurance? First, understand the types of commercial health insurance, and then choose the appropriate type according to your own needs and considering the strength of insurance companies. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
At present, commercial health insurance includes critical illness insurance, hospitalization expense reimbursement insurance and hospitalization subsidy insurance.
In critical illness insurance, the condition of payment is the occurrence of disease. Under normal circumstances, as long as the insured is diagnosed with a certain disease agreed in the contract, no matter how much medical expenses occur, he can get compensation according to the amount agreed in the insurance contract.
The reimbursement insurance for hospitalization expenses is based on the hospitalization medical expenses caused by accidents or diseases, and is reimbursed according to the proportion agreed in the insurance contract. This kind of insurance is a supplement to social insurance and other commercial insurance. When the insured claims after hospitalization, the insured needs to provide the corresponding expense invoice.
Hospitalization subsidy insurance is a kind of income security insurance in which the insured is hospitalized due to accidents or diseases, and the insurance company pays insurance subsidies according to the standards agreed in the contract. It has nothing to do with commercial medical insurance such as social insurance, and it is also paid after hospitalization.
What is the cost of commercial health insurance?
When the disease comes, it will not take sides with anyone. Once a family suffers from a serious illness, it is very likely that a family will be hollowed out in the face of huge medical expenses. If you buy commercial health insurance in advance, you will get a medical insurance premium paid by the insurance company during the treatment. It can be said that you don't have to spend your own money in hospital. People often say that health insurance is our first insurance. So, how important health insurance is to us. Then, what is the cost of commercial health insurance?
We hereby recommend China Merchants Xinnuoan to enjoy major diseases and critical illness insurance in Jian Kang. The basic coverage of this insurance is about 6.5438+0.5 million. This insurance covers 60 major diseases, and any of the 60 major diseases that occur for the first time after the waiting period and are diagnosed for the first time can pay basic protection. At the same time, it also covers 10 mild diseases. For any of the 10 mild diseases that occur for the first time after the waiting period and are diagnosed for the first time, 20% of the basic insured amount can be paid, and the contract will continue to be valid; If it is returned at maturity, it will exceed 1 10% (the insurance period is 20 years)/128% (the insurance period is 70 years)/150% (the insurance period is 100 years), resulting in only light weight. It also includes death protection, death of the insured, payment of basic insurance amount or interest-free refund of paid premiums; We can also consult the consulting network composed of the world's top medical institutions to provide you with professional written medical advice. You can use this service during the guarantee period.
What is the cost of commercial health insurance? As long as you buy insurance, you don't have to worry about the cost. Nowadays, many people have bought all kinds of insurance in their lives, so that their health can be guaranteed and assured.