2. Pursuing cost performance: Zhongan enjoys E-Life 2020, Fosun United Beyond Insurance 2020 and enjoys E-Father Master (2020 upgraded version).
3. Pursuing long-term renewal conditions: Ping An E Life Insurance (Guarantee Renewal Edition 2020), Fosun United Transcendence Insurance 2020, Ruihua Medical Insurance plus Personal Medical Insurance.
4. Pursuing big company brands: Ping An E Life Insurance (Guarantee Renewal Edition 2020), Taikang Million Medical Insurance 2020 and Taiping E Life Insurance 2020.
Buying medical insurance depends not only on insurance companies, but also on product protection. After all, we bought the product itself. Medical insurance includes social medical insurance and commercial medical insurance. Social security includes employee medical insurance, resident medical insurance and new rural cooperative medical care. Commercial medical insurance includes hospitalization insurance and millions of medical insurance.
Definition and function of medical insurance
Medical insurance is an insurance to compensate medical expenses caused by diseases. Medical insurance can be divided into social insurance and commercial medical insurance according to its nature.
Social security is a national welfare. Everyone needs to buy it in principle. Commercial medical insurance is purchased voluntarily, and the two complement each other. Only by combining them can we better transfer the risks brought by diseases.
1. medical insurance: the types of medical insurance include traditional medical insurance and commercial medical insurance.
2. Traditional medical insurance: Medical insurance is the basic guarantee of people's livelihood and one of our medical benefits. It is mainly divided into the following three types: 1) employee medical insurance, and the applicable population is on-the-job personnel, regardless of household registration type. During the normal insurance period, employees' medical insurance can be used for hospitalization or purchasing drugs in the medical insurance catalogue, and they can enjoy medical insurance benefits for life after paying a certain amount of money. 2) Residents' medical insurance is suitable for people with urban household registration and no work unit. The payment method is to pay one-year insurance for one year, which can be renewed for life, and the premium will not rise with age; 3) The new rural cooperative medical system (NCMS) is suitable for people with rural household registration and no work unit. It is also a one-year guarantee, and the premium is basically fixed.
3. Commercial medical insurance: Commercial medical insurance can also be divided into the following three categories according to the premium: 1) Low-end medical insurance: the premium is usually low, and the insured amount is not high, usually within 50,000 yuan, including small outpatient medical insurance and small hospitalization medical insurance. 2) Mid-range medical insurance: Mid-range medical insurance covers not only the responsibility of millions of medical insurance, but also the responsibility of small medical insurance. The scope of protection is not limited to hospitalization, but also supports outpatient reimbursement. 3) High-end medical insurance: High-end medical insurance is a product with VIP service, which is mainly aimed at high-income and high-consumption people, and the premium is expensive, which can completely solve the problems caused by medical expenses.