Dad suggests that you do your homework before applying for health insurance. Here is an introduction to a health insurance policy, hoping to help you. These strategies must be collected.
First, two kinds of common health insurance.
1, medical insurance
As a kind of insurance that consumers are most familiar with, medical insurance is paid in the form of reimbursement sales, and the scope of protection is based on social security. Some products can break through the restrictions of social security catalogue.
We often contact with medical insurance, mainly micro-medical insurance and millions of medical insurance.
Although the coverage of micro-medical insurance is not high, the deductible is also very low and the premium is relatively cheap. For example, ordinary small hospitalization insurance, the general coverage is1-20,000 yuan, and the deductible may be 0- several hundred yuan, which is still very practical.
Millions of medical insurance, as the name implies, means that the amount of protection is more than one million, the annual premium is only a few hundred yuan to one thousand yuan, and the deductible is usually around ten thousand yuan, which is highly leveraged and cost-effective.
2. critical illness insurance
The full name of critical illness insurance is critical illness insurance. Obviously, it is an insurance for major diseases, and some products are accompanied by mild and moderate diseases. Generally speaking, the protection is more comprehensive.
It is also health insurance. The biggest difference between critical illness insurance and medical insurance is that medical insurance will reimburse you in proportion to how much you spend, while critical illness insurance will give you a corresponding amount no matter how much you spend.