It depends on the product. There are many kinds of medical insurance.
Before buying commercial medical insurance, it is recommended to configure medical insurance first. Medical insurance is the most basic guarantee. There are not too many health requirements for the insured, and the price is very cheap. Commercial medical insurance is a supplement to medical insurance. For items that cannot be reimbursed by medical insurance, millions of medical insurance can be reimbursed, such as high-end treatment and special treatment.
There are many kinds of medical insurance on the market at present. There are millions of medical insurance, hospitalization insurance and cancer insurance.
The following mainly talk about the differences between these three:
1, millions of medical insurance
Most people are suitable for buying millions of medical insurance. First of all, its price is affordable, and second, the reimbursement amount is high. And there is no limit to disease reimbursement. The premium is several hundred yuan a year, but it is more valuable to protect millions. Moreover, millions of medical insurance covers a wide range, including bed fee, nursing fee, operation fee, medicine fee and material fee. , can be reimbursed.
Let me give you a brief analysis of several popular million medical insurance:
As can be seen from the figure.
(1) Good medical insurance: Its six-year guarantee renewal is the best renewal condition at present. In these six years, the insurance company will not refuse to insure or increase the premium because you have made a claim or your health has changed. Even if the product has stopped selling, you can continue to buy it. .
(2) Enjoy E-health: increase postoperative home care, special medical services for cancer, and increase the option of family deductible.
(3) Micro-medical insurance: International value-added services for secondary diagnosis and treatment have been added.
As can be seen from the above, each product has its own bright spots, and you should choose according to your own needs when purchasing.
In addition to these, there are many cost-effective millions of medical insurance to choose from. If necessary, you can click on the original text to see: What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
2. Hospitalization medical insurance
The main characteristics of this kind of medical insurance are low deductible and low reimbursement. This kind of insurance is mainly used for outpatient reimbursement, generally for babies under 5 years old or the elderly. Because babies and the elderly have weak immune function, they are more susceptible to infection by viruses and bacteria, and have a cold and fever. Relatively speaking, buying this insurance will play a greater role.
3. Cancer medical insurance
Because millions of medical insurance and hospitalization insurance are mostly insured at the age of 0-60, the elderly can't be insured, but they can be insured against cancer.
The coverage of cancer insurance is relatively narrow, and it only provides protection for cancer stipulated in the contract. This kind of insurance has a longer insurance age and looser health requirements than other medical insurance. If the elderly or people with slight physical problems buy medical insurance, it is more appropriate to buy this.
This price is greatly influenced by physical fitness and age. Here are some inexpensive anti-cancer medical insurance. If necessary, you can have a look: What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020