Why should you buy commercial medical insurance, is it necessary to buy commercial medical insurance

Consider the need for protection.

Part 1: Medical Care Social security alone is not enough.

According to the data of the Information Center of the Ministry of Health, the probability of suffering from a serious illness in a person's life is as high as 72, and it is not terrible to get a serious illness, but it is a huge medical expense that is terrible, because this is not fully covered by social security.

Commercial health insurance should also be considered if you have medical insurance.

The body is the capital of the revolution, but many factors such as environmental pollution and mental stress have made many people's health worrying. In this regard, we must first prevent diseases and take care of our own health; Second, we must be prepared so that we can get medical treatment for our illnesses. However, in the face of the medical status quo of "difficult and expensive medical treatment", people find that even if they have social security, many medical expenses still have to be paid out of their own pockets every time they are seriously ill.

Mr. Wu, 35, was recently hospitalized due to illness and spent nearly 20,000 yuan in medical expenses, of which 18,000 yuan was reimbursed by social security and 2,000 yuan was not covered by basic medical insurance. After being discharged from the hospital, Mr. Wu went to the social security department for reimbursement, and as a result, he got back 14,620 yuan and had to pay 5,380 yuan out of pocket. Realizing that social medical insurance alone was not enough, he decided to purchase some commercial medical insurance as a supplement.

An insurance expert from the Chengdu branch of a life insurance company said that the current national conditions determine that our social medical security can only be "low level and wide coverage". This means that there are a lot of restrictions on the health insurance we are entitled to. The first is the restriction on the amount of social security medical reimbursement, which simply means that "there is a threshold fee and a ceiling line".

According to reports, the basic medical insurance co-ordination of the first to pay for individual hospitalization medical expenses is set with a minimum payment line and a ceiling line. Medical expenses below the threshold and above the maximum payment line are paid by personal account or cash. Social security only pays a proportional amount to expenses that are above the minimum payment standard and below the maximum limit and are eligible for reimbursement.

The coverage of health insurance in social security is very limited:Medical insurance has wide coverage and low coverage, which can only meet basic protection needs. Medical insurance is only a support for family medical expenditures, but it is incomplete and incomplete.

Self-financed drugs, imported drugs, expert diagnosis and treatment, high-tech diagnosis and treatment technology, etc., cannot be reimbursed by medical insurance.

Advantages of Commercial Medical Insurance:You can choose freely according to your own situation; By paying your premiums on time, you can get full personal protection! The protection is more comprehensive and is a perfect supplement to social security.

There are many types of commercial insurance, including accidents, serious illnesses, maternity, vaccines, dentistry, ophthalmology, physical examinations, emergency rescue, etc., which can meet the planning and transfer of risks for different groups of people at different stages.

If you have medical insurance, why do you need to buy commercial insurance?

Regardless of whether there is social security or not, commercial insurance.

It is necessary to be insured. The main reasons for this are as follows.

1. Disease risk.

Although there is basic medical insurance in social insurance, it can only reimburse the expenses within the scope of medical insurance, and it is not 100% reimbursement, and there is an insurance limit, which can be compensated up to hundreds of thousands a year. If you suffer from a critical illness, only basic medical insurance is definitely not enough, and medical insurance and critical illness insurance in commercial insurance are required.

Among them, medical insurance can supplement basic medical insurance and reduce the loss of medical expenses. Critical illness insurance can make up for the loss of income during the illness and the subsequent expenses. The combination of critical illness insurance + medical insurance can well deal with disease risks.

2. Accident risk.

Accidents are everywhere, although workers' compensation insurance.

and basic medical insurance can also cover accidents, but work-related injury insurance can only cover accidents that occur during work, and accidents that occur in ordinary life are not compensated. That's why we need accident insurance too.

Protection, transfer of losses caused by unexpected risks.

3. Family responsibilities.

For adults, there are family responsibilities, many people have to support their parents and children, in case of their unfortunate death, not only will it bring psychological harm to the family, but also the family's life may not be guaranteed. Therefore, the breadwinner of the family should be equipped with life insurance protection.

4. Supplement the pension.

Although most people participate in the basic pension insurance, due to the low contribution base and short payment period, the pension that can be received after retirement is reduced.

Not much, so it can't meet its own pension fund needs. At this time, if a commercial endowment insurance is configured, it can play a role in supplementing the basic endowment.

That's all for the question of whether there is a need to buy commercial insurance, and I hope the above content.

Xueba talks about insurance, focusing on insurance evaluation!I have compared and sorted out the more popular million medical insurance in China into **, which may be helpful to you:"Super Complete!".Comparison Table of Popular Million Medical Insurance in China

If you plan to buy medical insurance, I suggest that you give priority to buying millions of medical insurance, first of all, it is very satisfying, you only need to pay a few hundred yuan of premiums a year, you can get millions of insurance amounts. Not only that, but it is also very comprehensive, such as surgery fees, anesthesia fees, nursing fees, drug fees, examination fees, etc.

When we buy million-dollar medical insurance, there are several points that we must pay attention to - "protection liability,**, exclusion clauses, renewal clauses, and stability of sustainable insurance".

Medical insurance can only buy short-term protection, which requires extra attention, some people in the first year after buying, the second year to renew the policy, but the insurance company refused, a reason, it turned out that the body in just one year more big and small problems. For example, the following medical insurance has great deficiencies in renewal:Be careful!

These medical insurances! , encounter thousands of detours! 》

So what is "sustainable insurance stability"? To put it bluntly, it is whether the product will be discontinued, which only the insurance company itself knows. Generally speaking, we can judge from these aspects:

How well the sales are sold, whether there are enough healthy individuals on board, whether the pricing is reasonable, the medical conditions of the insurance company, etc.

That's all I have for the question, towards.

There are still a lot of people who ask questions about medical insurance, and the popular medical insurance products in China are sorted out here, and it is clear which one is good and which one is not good:"Comparison Table of 136 Popular Medical Insurance Insurances in China".

Generally, it is recommended to buy medical insurance before buying commercial medical insurance. Medical insurance is the most basic protection, ** is very cheap, and basically everyone can buy it. Commercial medical insurance is a supplement to medical insurance, and it covers items that cannot be reimbursed by medical insurance, such as high-end expenses, imported drugs, special medical treatment, etc.

There are many types of medical insurance, and the common ones are three types: million medical insurance, hospitalization medical insurance, and cancer prevention medical insurance.

Let's break it down briefly:

1. Million medical insurance

Most people can buy millions of medical insurance, it has a high insurance premium, low premium, at the same time, there is no limit to the types of diseases reimbursed, pay a few hundred dollars a year in premiums, but you can get millions of reimbursements, it is worth it. In addition, it also contains very comprehensive coverage, such as bed fees, nursing fees, surgery fees, medicine costs, material costs, etc., which can be reimbursed.

Let's analyze the 3 best-selling million-dollar medical insurance on the market:

According to ** we can learn.

(1) Good medical insurance:This is a 6-year guaranteed renewal, which is the best one for renewal conditions at present. During these 6 years, the policy can be renewed unconditionally.

(2) Exclusive e-life:Added post-operative home care, oncology specialty services, and increased family sharing deductible options.

(3) Micro-medical insurance:Compared with the other two, this one has one more value-added service: international second diagnosis and treatment.

Through the above analysis, it is not difficult to see that each product has its own characteristics, and we choose according to our own needs.

In addition to these products, there are also other products with high prices and more worth buying, interested friends can click on the original article to view:"Great value! The best medical insurance for millions is here! 》

2. Hospitalization medical insurance

The main features of this type of medical insurance are low deductibles and low reimbursements. This type of insurance is mainly used to reimburse outpatient clinics, and is generally suitable for young babies or older people. Because children's immunity is relatively low, the elderly are relatively weak, and the probability of colds and fevers is more, it is relatively meaningful to buy this insurance.

3. Cancer prevention medical insurance

Most of the million-dollar medical insurance and hospitalization medical insurance on the market have a maximum age of 60-65 years old.

Cancer medical insurance only pays for hospitalization** or special outpatient ** caused by cancer, and this insurance has a wide range of insurance ages, which can be bought in your 70s, and the health notice is relatively loose. It is more suitable for people who are older or have some physical diseases.

This kind of ** is greatly affected by physical fitness and age, here are some more worth buying cancer medical insurance, you can take a look if you need it:"Wool! Top 10 Popular Cancer Medical Insurance Worth Buying

Medical insurance has a starting payment line, and the part below the minimum payment line needs to be borne by yourself, and there is a cap line, and the part before the cap line also needs to be borne by yourself, as well as a self-pay ratio of 10 and self-paid drugs. In fact, there are very few reimbursements, so it is necessary to supplement with commercial insurance, medical insurance is only the lowest insurance, and can not be covered, only medical insurance + commercial insurance combined with illness do not have to pay out of their own pockets.

In the end, it is necessary to buy commercial medical insurance, which is as follows:

1. Prevent risks, including personal risks and work risks. Personal risks include the risks of old age, illness, work-related injuries, and maternity, and work risks include the risk of unemployment;

2. Stability maintenance function. Social security is the "regulator" of social stability, which can not only make members of society feel safe, but also alleviate social contradictions;

3. It is conducive to the realization of social equity. Social security can achieve fair distribution of society to a certain extent by compulsorily collecting insurance premiums, setting up insurance**, and giving material help to members of society with low incomes or losing income**;

4. It is conducive to the reproduction of labor. For those members of society who have temporarily withdrawn from the workforce, social security can ensure their basic living needs and make it possible to supply and reproduce labor. Information required to enroll:

1) A copy of the employer's business license, a copy of the legal person's ID card, and a copy of the organization's ** certificate;

2) Approval form for work-related injury insurance rates;

3) A copy of the ID card of the insured person;

4) I am one inch **.

Procedures for enrollment:

1. After the individual pays the fee, go to the audit counter to print the payment verification form and settlement plan, and then go to the county industrial and commercial bank to handle the payment;

2. The unit pays the above information and goes to the audit counter to fill in the relevant information;

3. You must come in person to handle it, and provide a copy of your ID card and a digital photo receipt from the second-generation ID card networked photo studio recognized by the municipal public security organ.

Legal basisArticle 58 of the Social Insurance Law of the People's Republic of China.

The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

Commercial insurance reimbursement is divided into outpatient medical insurance reimbursement and inpatient medical insurance reimbursement, both of which require the insured to provide his or her identity certificate, the original receipts of various medical expenses incurred during hospitalization, and the original medical manuals, examination sheets, prescriptions and laboratory tests provided by the grinding hospital.

The purchase should be carried out in the following order: first, accident insurance (life insurance, additional accident, medical hospitalization, etc.); The second is health insurance (mainly critical illness and additional medical insurance, term life insurance) and pension insurance (dividends, annuities, investment-linked insurance, etc.). Is it necessary to buy commercial insurance?

You must know about these pits! 》

If you need help with buying insurance consulting, we recommend the daddy insurance consulting platform, and I believe that this spring outing Huai agency will definitely give you a satisfactory answer to your questions. Daddy Insurance focuses on the field of insurance, and has evaluated and analyzed more than 1,000 products, including critical illness insurance, term life insurance, medical insurance, and accident insurance. Help you solve problems from an objective and neutral third-party perspective, and have helped tens of thousands of families to configure plans scientifically, so that you can buy insurance and spend less money.

Those who have already purchased employee medical insurance can decide whether to purchase commercial insurance or not. However, in actual life, formal enterprises will buy a medical insurance for employees, and a small number of people will buy a commercial insurance as a supplement on the basis of medical insurance for their own health. Enterprise supplementary commercial medical insurance is relative to basic medical insurance, including enterprise supplementary medical insurance, commercial medical insurance, social mutual aid and community medical insurance and other forms, is a powerful supplement to basic medical insurance, but also an important part of the multi-level medical security system.

However, the reimbursement of employee medical insurance and commercial insurance is based on the principle of priority, and the reimbursement should be made before the employee medical insurance is reimbursed, and then the commercial insurance is insured. However, the total amount of reimbursement for employee medical insurance and commercial insurance cannot be higher than the total amount of medical expenses actually spent.

Article 29 of the Social Insurance Law of the People's Republic of China The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance agency and the medical institutions and drug business units. The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places to facilitate the insured persons to enjoy basic medical insurance benefits.