Does health insurance make sense?

Meaningful. Health insurance is an important part of the national multi-level medical security system. Health insurance refers to the insurance paid by insurance companies to the insured for health reasons or medical behaviors, mainly including medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance.

At present, environmental problems are getting more and more serious, life pressure is getting bigger and bigger, and people are getting sick more and more easily. Although everyone has medical insurance, as a kind of social insurance, it mainly guarantees basic medical needs, and its reimbursement scope is limited. A certain proportion of expenses can be reimbursed, but self-funded drugs can't be reimbursed, so social security can't cover all kinds of risks brought by health problems. Commercial health insurance is an effective supplement to medical insurance, which can break through the limitation of medical insurance reimbursement, prevent the risk of insufficient medical expenses for serious diseases, and make minor diseases inexpensive and serious diseases not bad. Nursing insurance can compensate the insured who need long-term care because of old age, illness or disability, and reduce the financial burden of the family or the risk of not being able to get effective care.

There are two things in a person's life that are difficult to control. One is disease, the other is accident. Whether it happens or when it happens is beyond our control. It is necessary to appropriately transfer the risk of economic losses caused by diseases or accidents. We should buy suitable health insurance for ourselves and our families.