There are two main types of health insurance, one is critical illness insurance and the other is medical insurance. Both are very important and can be said to be indispensable. Why do you say that? Dad will introduce these two kinds of insurance:
1. What does health insurance cover?
The essence of insurance is to avoid risks for us and minimize economic losses when risks come.
1, critical illness insurance
As the name implies, critical illness insurance provides protection for major diseases such as malignant tumor and acute myocardial infarction.
Full critical illness insurance can not only provide us with a sum of money to pay huge medical expenses when suffering from major diseases; It can also provide us with some treatment for the loss of income during rehabilitation.
A critical illness insurance can't eliminate the possibility of illness for us, but it can make us possible to be cured.
2. Medical insurance
Most of the medical insurance we often talk about is actually millions of medical insurance. The main function of medical insurance is to solve medical expenses, which is an important supplement to social security. Furthermore, medical insurance and critical illness insurance are actually a complementary relationship. In other words, when a person is seriously ill, he may not only need to spend his own money, but also get compensation under the condition of both critical illness insurance and medical insurance.
Second, the relationship between the two. Judging from the leverage of price and insurance coverage, we may think that millions of medical care is a big bargain! But you can't just look at the surface. There is a great difference between them.
Why is millions of medical insurance so cheap? There must be a reason:
Deductible 1 and10,000.
Millions of medical services generally have a deductible line of 1 10,000 yuan, that is, after social security reimbursement, after deducting 1 10,000 yuan, the rest can be reimbursed.
This deductible of 65,438+00,000 filters out small claims below tens of thousands, so the price can be made so low.
2, once a year, no guarantee of renewal.
Millions of medical insurance is a short-term insurance that is paid once a year, and most of them cannot guarantee renewal. Millions of medical insurance is very high in payout ratio. Chances are, you just bought it for one year and stopped selling it the next year.
What's more, if the claim occurs in the first year and the product is stopped in the second year, you can't continue to apply for insurance, and you can't buy other health insurance because of the change of health status!
Therefore, millions of medical insurance premiums are cheap, the stability is not so high, and it is only suitable as a supplement.
3, the price is adjusted with age, and the cheapness is only temporary.
On the other hand, besides renewal, the risk of diseases also increases with age. Therefore, the premium of medical insurance increases with age, and the older the age, the higher the premium.
As can be seen from the table, the essence of millions of medical insurance is a reimbursement insurance. Although the insurance coverage is high, most diseases only need less than 500 thousand medical expenses, and it is meaningless to have too high insurance coverage.
But the irreplaceable function of critical illness insurance is: income compensation. Once you get seriously ill, your income is basically interrupted, but you need money for food, clothing, housing and transportation, children's education, and mortgage and car loans.
However, medical insurance can only reimburse the cost of treatment, which cannot be counted. This is the function of critical illness insurance.
Dad concluded:
The relationship between million medical insurance and critical illness insurance is not a substitute, but a supplement. Once you get a serious illness, millions of medical insurance will reimburse medical expenses. As a kind of income loss, critical illness insurance can better alleviate the pressure on families.