How to plan family medical and health insurance?

1, from the choice of insurance, it is suggested to consider whether to participate in social basic medical insurance before choosing commercial health medical insurance. After all, social security is the foundation and commercial security is the supplement.

2. When insuring long-term health medical insurance such as critical illness insurance, it is recommended to choose the form with long payment period as far as possible. Of course, if the economic conditions are average, you can choose a consumer insurance as a foreshadowing, and then choose a long-term insurance after the economy is suitable.

3. When buying medical expense insurance, don't unilaterally think that the more coverage, the more compensation you will get. The key is to see clearly the actual coverage and specific compensation conditions of product terms.

4. In addition to expense reimbursement medical insurance, there is also a popular commercial medical insurance in the market, which is subsidized medical insurance, also known as subsidized medical insurance. When buying, we must first pay attention to two times, one is the number of days without compensation, and the other is the maximum number of days for claims.

In addition, you should pay attention to the following matters when purchasing family medical and health insurance: First, you should see clearly the protection contents and deductible clauses of the insurance contract, and the age of insurance should not be ignored.

The specific planning direction still needs the participation of family members. After all, it will be better to combine your own actual situation and the general framework given above!