1. See clearly the exclusions, that is, the insurance company will not compensate for anything.
2. Look clearly at the observation period and the hesitation period. The insurance company will stipulate an observation period for hospitalization medical insurance, usually within 60 days or 90 days after the contract takes effect. The insurance company will not compensate the medical expenses incurred during the observation period. At the same time, consumers hesitate within 10 days after receiving the policy. During the period of hesitation, the applicant can propose to terminate the insurance contract, and the insurance company will unconditionally refund all the premiums.
3. Choose medical insurance with guaranteed renewal. During the guarantee renewal period, the insurance company shall not refuse to renew the insurance because of the change of the health status of the insured.
4. Try to choose the payment method of overall calculation. Most medical insurance will set a limit for sub-liability, and will not be responsible for compensation if it exceeds the limit. Therefore, it is best for the insured to choose the overall calculation fee.
To sum up, when purchasing health insurance, we should make clear the exclusion liability, observation period and hesitation period, choose guaranteed medical insurance, and try our best to choose health insurance with overall expenses to protect our own interests.