How to choose lifelong medical insurance?
First of all, we must find out the types of lifelong medical insurance. After all, there are all kinds of life-long medical insurance in the market, and different types of insurance will have different protection priorities, so everyone should have their own emphasis when choosing. According to the different nature, lifelong medical insurance can be divided into lifelong social medical insurance and lifelong commercial medical insurance. Among them, in order to enjoy life-long medical insurance, social medical insurance often needs to meet certain conditions, such as paying for more than 20 years without interruption until the insured reaches the legal retirement age. Take social medical insurance in Beijing as an example. Women need to pay for 20 years and men need to pay for 25 years. After the insured reaches the statutory retirement age, they can enjoy lifelong medical insurance without paying insurance premiums. In view of the harsh conditions for the entry into force of social medical lifelong medical security service, commercial lifelong medical insurance came into being. Compared with social medical insurance, the payment period and payment method of commercial lifelong medical insurance are much more flexible. In addition, most commercial life-long medical insurance also has a certain insurance income function, which gives consideration to obtaining life-long medical insurance while investing in wealth management.
In addition, according to the different payment methods, lifelong medical insurance can also be divided into account type and daily payment type. Account type means that after paying a certain amount, it will not be paid, while daily payment type can pay for the number of times or days of hospitalization or medical treatment, with no upper limit. If it is divided according to the limitation of geographical space, then lifelong medical insurance can be divided into domestic and foreign countries. Domestic lifelong medical insurance is often limited to the medical expenses incurred by the insured in China, while foreign lifelong medical insurance supports the global medical expenses payment function. The insured's claim amount often comes from the account of the local financial institution, so it is very convenient to claim.
Purchase procedure
1, social medical insurance purchase procedures: residents' medical insurance can be paid annually by the insured, and they can enjoy lifelong medical insurance if they pay for life; Employee medical insurance is purchased by the unit, and the proportion of employee medical insurance payment can be withheld and remitted by the unit.
2. Commercial lifelong medical insurance purchase procedures: citizens can directly contact the salesmen of commercial insurance companies to purchase commercial lifelong medical insurance. The specific information and procedures are determined according to the policies of various insurance companies.
Comparative analysis of the functions of life-long medical insurance and non-life medical insurance
Characteristics of commercial lifelong medical insurance
1, medical insurance, valid for life. Hospitalization can get "cash subsidy for hospitalization" = daily cash subsidy × actual hospitalization days. The maximum subsidy for "same hospitalization accident" can reach 180 days; Surgical treatment can get "surgical cash subsidy" = daily cash subsidy × payment multiple corresponding to surgical grade; The guarantee is valid for life, and the above two subsidies can reach 1000 times of the "daily cash subsidy".
2. Low premium and high security. You can get10-200,000 yuan of lifelong medical insurance at a small premium every year.
Benefits of life-long medical insurance
The advantage of enjoying social medical insurance for life is that it can reduce the cost and pressure of medical treatment. Commercial lifelong commercial medical insurance provides lifelong health protection for customers aged 0-50, that is, if the insurance is successful, regardless of whether the customer claims, the customer will not lose the right to enjoy the protection in the future until life, avoiding the embarrassment that medical insurance may be stretched due to rising medical expenses or retirement.
1. How many years does it take to buy medical insurance to enjoy lifelong medical insurance?
Answer: Employees can enjoy lifelong medical insurance only after they have paid a certain number of years. Different cities have different regulations on the payment period.
Second, is there life-long commercial medical insurance?
Answer: Yes, for example, Ping An Insurance Company has launched lifelong medical insurance.
3. Is residents' medical insurance lifelong medical insurance? Can I enjoy medical insurance for life?
A: Residents who pay medical insurance for life can enjoy medical insurance benefits for life, but they can't enjoy it if they stop paying.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.