This is also the most common insurance, and it is the most extensive insurance liability in medical insurance at present. Mainly responsible for the payment of outpatient expenses and hospitalization expenses caused by diseases or some emergencies. Generally speaking, it is a group purchase method. Of course, for individuals, medical insurance benefits are paid by compensation.
2. Accident medical insurance
The most important thing is that the insured pays medical expenses because of some accidental injuries, which is an additional insurance liability of accidental injury insurance, and its insurance amount is the same as that of basic insurance. For this kind of insurance, it is necessary to stipulate not only the amount of insurance compensation, but also the treatment period.
3. Hospitalization medical insurance
In fact, it is also well understood that the insured is hospitalized due to illness or accident, and the insurance company pays the medical expenses together. Of course, outpatient fees are not included, but the payment method is flexible and can be paid by compensation or quota.
4, surgical medical insurance type
For this kind of medical insurance, it is a single item. As can be seen from its name, it is simply to pay for medical expenses that require surgery. Generally, compensation is paid, but for the fixed payment method, it is paid according to the type and amount of surgery of the insured.
5. Types of insurance for special diseases
For this type, the insured can only get compensation for specific diseases. Of course, it can also be said that it is a total payment for a specific disease or a number of specific diseases, which is generally a fixed payment method!
Extended data
1. Select a legal life insurance company.
2. Select qualified agents (marketers).
Article 1 19 of the Insurance Law stipulates: "Insurance agencies and insurance brokerage institutions shall meet the conditions stipulated by the insurance regulatory agency of the State Council and obtain the insurance agency business license and insurance brokerage business license issued by the insurance regulatory agency." Please pay attention to check the insurance agent qualification certificate, exhibition certificate and ID card of the agent (salesman).
3. Beware of insurance fraud of illegal business institutions.
Consumers should buy the products of insurance companies that have legal business organizations in China after approval, and check whether they have insurance business licenses issued by the China Insurance Regulatory Commission or its dispatched offices when applying for insurance, so as to prevent insurance fraud activities of illegal business organizations.
4. Choose insurance that meets your own needs and pay attention to "demand".
5. See clearly the insurance liability and exemption.
6. In life insurance, the insured has insurable interests for the following persons: himself; Spouse, children, parents; Other family members, close relatives, etc. If there is a relationship of maintenance, support or support with the applicant, it can be insured by the applicant.
Article 31 of the Insurance Law stipulates that "when concluding a contract, if the applicant has no insurable interest in the insured, the contract is invalid."
7. Insuring a contract with death as the payment condition requires the consent of the insured, otherwise the contract is invalid.
8, fill in the insurance policy to clear the insurance beneficiary.
The Insurance Law stipulates that the beneficiary may be designated by the insured or the applicant. However, the insured must obtain the consent of the insured when designating the beneficiary. If the insured is a person without or with limited capacity for civil conduct, the beneficiary may be designated by his guardian.
9. Fill in the insurance policy and tell the truth.
10, autograph is very important.
1 1. Ask for a formal premium invoice.
When paying the insurance premium, pay attention to asking for the unified invoice issued by the insurance company and keep it properly.
12. Pay attention to the effective time of the insurance contract.
Only when the applicant pays the down payment and the insurance company issues the insurance policy will the insurance contract take effect.
Baidu Encyclopedia-Ping An Accident Insurance