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

Let's talk about medical insurance first, medical insurance is only a national welfare, the reimbursement amount is limited, and the out-of-pocket ratio is also high.

In addition, critical illness insurance, the difference between critical illness insurance and medical insurance is that the payment method is different, medical insurance is loss compensation, that is, within the reimbursement range, how much money is spent to make up how much money is made up to you, while critical illness insurance is a fixed payment, that is, no matter how much money you spend, as long as it meets the critical illness regulations, you will be given 500,000 yuan if you buy 500,000 insurance amount, and 1 million yuan will be given to you if you buy 1 million insurance amount.

Therefore, the core significance of critical illness insurance is that you can buy an insurance amount higher than the medical expenses, and the excess money also needs to be used to pay for the expenses of the first period, children's education expenses, loss of work due to serious illness, daily living expenses, repayment of housing and car loans, etc., which is the most fundamental meaning of critical illness insurance.

Bernard, the world's first cardiac surgeon who invented critical illness insurance, said that we buy critical illness insurance not because we will die, but because we want to live well. Many people who have a serious illness have to continue to work because they are financially cut off and lack of money in many ways, and they have not done a good job, resulting in death from old diseases.

Medical insurance is reimbursement-type, with various restrictions such as the minimum payment line, reimbursement ratio, and reimbursement ceiling, while critical illness insurance is a payment-type insurance, that is, as long as the insured is diagnosed with the disease agreed in the insurance contract, the corresponding insurance money can be paid at one time, and critical illness insurance is a supplement to medical insurance.

Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced! The first place turned out to be it! 》

The differences between the two are as follows.

1. The definition of serious illness is different between the two.

A more accurate expression of critical illness insurance in social security should be insurance for large medical expenses. Social insurance does not clearly classify the types of diseases, as long as the insured's diagnosis and treatment expenses exceed a certain amount, they can enjoy the serious illness pool. The amount of coverage is different in different regions, and the maximum amount of insurance can be 100,000 yuan under normal circumstances.

Critical illness insurance, on the other hand, will have clear provisions for serious illnesses, detailing the specific types of diseases.

2. The two claim methods are different.

Social security** requires users to pay medical expenses in advance, and then reimburse them with relevant information, such as disease certificates, medical expenses, etc. If the insured person is not financially well-off, this reimbursement method may delay the illness. The claim settlement method of critical illness insurance is relatively close to the people, and some critical illnesses can be "paid immediately after diagnosis", and users need to pay in advance.

3. The claim items of the two are different.

The compensation of social security medical care is limited by the medical insurance catalog, and the social insurance often cannot be reimbursed for some imported drugs, new drugs and auxiliary equipment, and users need to bear their own costs. Critical illness insurance claims do not limit the user's best technology and means, and the compensation limit is small, as long as the insurance protection responsibility is met, the claim can be obtained.

Because of the limitations of medical insurance reimbursement, it is necessary to purchase critical illness insurance as supplementary protection.

Friends who have been reimbursed by medical insurance when they are sick and hospitalized will definitely find that medical insurance actually has a minimum payment line, a cap line and a reimbursement limit for the drug catalog.

Critical illness insurance benefits can not only cover medical expenses, but also cover many non-medical expenses and make up for loss of income. This article specifically explains the role of social security and commercial insurance, you can learn more: with social security, there is no need to buy commercial insurance?

What is the difference between social security and commercial insurance?

We are all afraid of being seriously ill, that is, we are afraid that we will not be able to work during the illness, and we will lose our income**, and we will need to pay a lot of expenses during the period, and the financial burden will be great. If the insured is unfortunately diagnosed with a disease agreed in the critical illness insurance contract and meets the conditions for claims, then the insurance company will pay a one-time compensation, which can be used as medical expenses, living expenses for family members or to make up for the loss of income when sick, etc., and critical illness insurance can more effectively transfer the economic risk caused by the disease. You may wish to come over and take a closer look at what a good critical illness insurance covers:

A good critical illness insurance policy looks like this! You've been lied to for so many years.

However, buying critical illness insurance is not a simple matter, you need to choose the right insurance according to your actual needs, and we must also read the terms carefully before applying for insurance, understand the protection content of the product, claim conditions and many other aspects, and it takes a lot of time and energy to analyze and purchase. If you don't have enough time to choose critical illness insurance slowly, then these products are high-quality critical illness insurance that senior sisters help you pick out, and you can directly consider taking a look: Top 10 popular critical illness insurance points worth buying!

Medicare isn't of much use.

Summary. Hello, it's a pleasure to serve you! If you have medical insurance, you also need to purchase critical illness insurance, mainly because the protection of medical insurance is only basic protection for a person, and there are still shortcomings. Critical illness insurance can be a good way to supplement the protection of insufficient medical insurance.

Hope mine helps you and I wish you all the best!

If I buy medical insurance, do I still need to buy critical illness insurance?

Hello, it's a pleasure to serve you! I am fortunate to be a co-teacher with 10 years of career planning and workplace work experience, and I am good at dealing with various work problems, writing and revising resumes, mining advantages, parenting, etc., with a total of more than 1,000 hours of consultation. I've seen your problem, I'm in crazy codewording, please wait.

Hello, it's a pleasure to serve you! If you have medical insurance, you also need to purchase critical illness insurance, mainly because the protection of medical insurance is only basic protection for a person, and there are still shortcomings. Critical illness insurance can be a good way to supplement the protection of insufficient medical insurance. Hope mine helps you and I wish you all the best!

How to buy critical illness plus medical insurance.

Hello, critical illness insurance requires you to consult with domestic insurance companies, such as Ping An, etc., I have no insurance introduction here.

Is the Taikang Critical Illness Insurance I bought reliable?

Hello, Taikang is also a brand and is reliable,

It is very necessary to have medical insurance and buy commercial insurance, but it is not necessary.

The characteristics of medical insurance are: extensive, mandatory, and social. Medical insurance can only be a low level of insurance, can not be fully covered package, medical insurance reimbursement has limitations, there is a starting line, there is a cap line, there is a self-payment part, there is a self-pay part, and the money spent outside the hospital cannot be reimbursed.

The characteristics of commercial insurance are: voluntary, wide coverage, critical illness insurance is now paid on diagnosis, the procedures are simple, the process is simple, the compensation is more, and the compensation is particularly fast, and there is no limit, buy more, insure more.

Critical illness insurance: insurance that specializes in covering critical illnesses, such as cancer, cardiovascular and cerebrovascular diseases, can be paid out after diagnosis. There are also benefits for minor illnesses, and waivers. There is also a critical illness waiver for the policyholder, and one insurance policy can cover two people.

Legal basis] Social Insurance Law of the People's Republic of China

Article 1: This Law is formulated on the basis of the Constitution so as to regulate social insurance relations, to preserve the lawful rights and interests of citizens to participate in social insurance and enjoy social insurance benefits, to enable citizens to share the fruits of development, and to promote social harmony and stability. Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth. Article 3: The social insurance system adheres to the principles of wide coverage, basic protection, multi-level, and sustainability, and the level of social insurance shall be commensurate with the level of economic and social development.

Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them. Article 5: The people at or above the county level shall include social insurance undertakings in their national economic and social development plans.

The state raises social insurance funds through multiple channels. The people at or above the county level shall give necessary financial support to the social insurance undertakings.

The state supports social insurance through preferential tax policies. Article 6 The State shall exercise strict supervision over social insurance.

and the people of provinces, autonomous regions and municipalities directly under the Central Government to establish and improve the supervision and management system of social insurance to ensure the safe and effective operation of social insurance.

The people at or above the county level should take measures to encourage and support all sectors of society to participate in the supervision of social insurance.

Need. Medical insurance and critical illness insurance do not conflict and can complement each other. Advantages of Medicare:

As long as you buy enough years, you can be reimbursed for part of the hospitalization medical expenses during the contribution period and after retirement. In the reimbursement of medical insurance, the threshold fee should be subtracted first, and the threshold fee of each medical insurance designated hospital varies according to the level of the hospital, and the compensation ratio varies with the payment period, ranging from 65% to 80%. However, medical reimbursement is limited by the scope and proportion of medication, and if you encounter a very serious serious illness, medical insurance alone is not enough.

Therefore, if there is supplementary critical illness insurance, it can cover the ** expenses of critical illness, ** expenses in the later stage, convalescent expenses and loss of income during illness.

And medical insurance is a reimbursement type of insurance, only reimbursement of medical expenses, but in the event of a major illness, in addition to medical expenses, after discharge, the first expense, recuperation expenses, living expenses and loss of income during illness are not reimbursed by medical insurance, so there is a critical illness insurance, which can solve other economic expenses during illness and relieve the economic pressure of the family.

Test your anti-risk index, experts will interpret it for you for free!

First of all, in terms of compensation methods, medical insurance is a reimbursement system, which can only help us solve the problem of ** fee. The critical illness insurance is a payment system, and if you are unfortunately diagnosed with a disease agreed in the contract, you will have the opportunity to get a lump sum of money, and the insurance company is not restricted to the use, which can not only be used as a medical fee, but also to compensate for the loss of income and make up for daily expenses. Therefore, the role that Medicare and Critical Illness Insurance can provide to us is different.

Secondly, medical insurance has limitations in terms of coverage and reimbursement ratio, such as some targeted drugs and anti-cancer drugs in the medical insurance catalog, and medical insurance does not bear pure car rolling. In terms of reimbursement, the part that exceeds the cap line can only be borne by us at our own expense. Therefore, in the face of a serious illness such as cancer, the role that medical insurance can play is limited.

Therefore, medical insurance alone is not enough, and it may not be able to withstand much in the face of strong winds and rains, so we also need to allocate an additional commercial critical illness insurance to supplement.

In addition, if we want to get more adequate personal protection, it is best to rationalize the allocation of medical insurance, accident insurance, and life insurance, so that the risks of illness, accident, and death are fully covered, which can bring comprehensive protection and a full sense of security to us and our families. For those who don't know about the above types of insurance, you may wish to read this article:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance?

Will there be a conflict when making a claim? Hope!