If you can't tell the difference between medical insurance, critical illness insurance and accident insurance, you may wish to take a look at this article first:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
First, how to choose medical insurance
In particular, many people are puzzled by medical insurance. Today, my senior sister will give you some ideas and know what aspects medical insurance can choose from.
1. Types of medical insurance
When it comes to medical insurance, perhaps the first thing you will think of is the popular million-dollar medical insurance in the market. But in fact, millions of medical insurance is actually just one kind of medical insurance. Judging from the amount and scope of reimbursement, the types of medical insurance include small medical insurance, millions of medical insurance, middle and high-end medical insurance and cancer prevention medical insurance.
Millions of medical insurance is a familiar "member" in medical insurance, which can reimburse the insured for large medical expenses. It is indeed a very conspicuous product in medical insurance. It has the characteristics of high premium and low cost performance, so many people have insured her.
In fact, compared with millions of medical insurance and high-end medical insurance, micro-medical insurance is a very low-security medical insurance product, which mainly solves the problems of medical reimbursement for minor illnesses, hospitalization expenses for common minor illnesses, unexpected hospitalization expenses, self-funded drugs, outpatient expenses and so on.
If millions of medical insurance can solve the problem of expensive medical treatment, then high-end medical insurance can solve the problem of difficult medical treatment. Mid-to-high-end medical insurance will greatly expand the choice of medical treatment for the insured, and can provide the insured with a better medical environment, better doctors and more advanced treatment methods.
Compared with millions of medical insurance, anti-cancer medical insurance is easier to set up health notification and cheaper. Once the anti-cancer medical insurance is configured, if the insured unfortunately gets cancer, if it can meet the conditions, it means that the cost of cancer treatment can be reimbursed.
2. Suitable for people
Millions of medical insurance is cost-effective and applicable to a wide range of people. Whether children or adults meet the set insurance conditions, they should be equipped with corresponding insurance. However, it should be noted that many millions of medical insurance in the market will have deductibles, that is, the part that does not reach the deductible will not be reimbursed by the insurance company.
Therefore, if people with poor physical resistance, such as children who often catch a cold and have a fever, need to go to the hospital to see a doctor, then the senior sister will give you a suggestion that you can take out small medical insurance and millions of medical insurance at the same time, so that the protection is more adequate. After all, even if the amount of medical expenses spent is not high, every little makes a mickle will be a very high expense.
Mid-to-high-end medical insurance is an insurance product specially created by insurance companies for middle-and high-income groups, and there will be many high-quality medical services in the content. Therefore, it will have to pay more premiums. High-end medical insurance is also divided into "entry-level" and "high luxury"! Compared with other types of insurance, middle and high-end medical insurance takes care of people with better economic conditions.
Here, Sister Xue introduces what kind of people are suitable for configuring anti-cancer medical insurance. Generally speaking, the health information of millions of medical insurance is very strict. Therefore, for some people who are in poor health and the budget is not particularly large, there is a great possibility that they will be refused insurance because they have not passed the health notification. Then in this case, anti-cancer medical insurance is suitable for purchase.
3. Product selection
Having introduced so much, what medical insurance is worth choosing? Millions of medical insurance is the core of medical insurance. Because of its high minimum premium and high cost performance, it is suitable for most people. As far as people whose physical condition can be informed by health, it is also possible that everyone has millions of medical insurance.
So what is the million medical insurance suitable for buying? What are the highlights in general? Let's study it together.
It is necessary to set up a complete set of protection contents: when choosing millions of medical insurance, you can choose products that include hospitalization, special outpatient service, outpatient surgery and emergency reimbursement after 7 days before hospitalization.
Low renewal requirements: Millions of medical insurance usually only stipulates a relatively short coverage period, and its premium will change with the change of the insured's physical condition and age. If we buy millions of medical insurance products with high renewal requirements, it is very likely that the premium will increase or even not be renewed after the end of the protection period. I suggest that you choose the Million Medical Insurance with relaxed renewal conditions, which is safer.
Including value-added services: general value-added services include reimbursement for out-of-hospital targeted drugs, proton heavy ion 100% reimbursement, and green channel for hospitalization. To tell the truth, these value-added services will play a considerable role in the insured's medical treatment at some time!
To sum up, Senior Sister has sorted out the ten million medical insurances that are most worth starting to see which one is right for you:
The latest 10 million medical insurance rankings are freshly released! 》
Second, medical insurance considerations
However, what should we pay attention to when configuring medical insurance? Next, the senior sister will give you a detailed introduction with the example of millions of medical insurance.
1. People with medical insurance also need millions of medical insurance.
The proportion of medical insurance reimbursement is relatively low, and the scope of reimbursement is only within the scope of social security regulations. If you really suffer from a serious illness, medical insurance reimbursement is very limited. Therefore, we have to choose to buy a commercial medical insurance for ourselves and our families as a supplement.
2. Generally don't repeat the purchase.
Medical insurance is reimbursement insurance. Under normal circumstances, it is not necessary to purchase the same type of medical insurance repeatedly. One copy is enough, even if you buy more, you can't reimburse it repeatedly.
3. Pay attention to health notification.
Like millions of medical insurance, its health notification threshold is higher than other types of insurance, but the price is cheap, which is still very important. Most people may hide information and configure it by luck. But senior sister should remind everyone not to do such a thing. If there are some problems with health notification in subsequent accidents, besides being unable to compensate, the probability of premium being paid in vain is not small.
Therefore, we must strictly control the purchase, even if the handling fee is increased or exclusive sales are excluded, don't take advantage.
Senior sister also prepared an exclusive insurance strategy for everyone. Interested friends don't miss:
Before buying insurance, you must first understand these key knowledge points! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!