What exactly does health insurance cover? Is it necessary to buy it?

Health insurance refers to the insurance company that passesSickness insurance, medical insurance, disability income loss insurance, long-term care insurance, etc., which pays insurance benefits for expenses or losses incurred in the event of injury to the insured person due to health reasons. People who don't know enough about this kind of insurance knowledge can also take a look at this insurance science:Ultra-complete!

Everything you need to know about insurance is here

Critical illness insurance and medical insurance are necessary to be configured, because people will definitely get sick, and if they get sick, they must need to pay for it, and the costs incurred are either paid by themselves or paid by relatives.

Critical illness insurance: transfer the risk caused by critical illness and compensate for loss of income and other expenses. Critical illness insurance is a payout type, which means that as long as you suffer from the illness agreed in the contract, the money will be given to you in full.

Medical Insurance: Reimbursement of reasonable** expenses incurred due to illness or accidental hospitalization. Medical insurance is similar to national medical insurance, which is a post-illness reimbursement type, and medical insurance can cover all diseases, even if you are hospitalized with a cold and fever. Look

Health insurance means insurance in which the insurance money of the insured is borne by the insurance company when the insured person has a physical problem. At present, there are many types of health insurance on the market, which are mainly divided into critical illness insurance and medical insurance. So what's the difference between the two?

If you are in a hurry, you may wish to click here:What is the difference between critical illness insurance and medical insurance? Will there be conflicts when making a claim?

1. Critical illness insurance

Critical illness insurance is essentially "income loss insurance", not to mention that it is still a payout type. Once you unfortunately suffer from a critical illness, you will directly receive compensation from the insurance company, which will not only make up for the loss of income, but also use various expenses for the family, and temporarily alleviate the financial pressure on the family.

Nowadays, there are many critical illness insurance products on the market, and in order to prevent everyone from stepping into the pit, there are a few good products that I have also picked out, and it doesn't hurt to refer to them:What are the top 10 popular critical illness insurance policies worth buying? 》

2. Medical insurance

Since medical insurance has certain drawbacks, we need to purchase medical insurance as a supplement. If your family is affluent, you can choose the Million Dollar Medical Insurance, which is not only low in premium, but also high in terms of sum insured and fully protected. Usually a few hundred dollars can be solved.

The Top 10 Million Medical Insurance Rankings are finally here! 》

But one thing to say, if we want to buy health insurance that meets our needs, it is necessary to pay more attention

1.Pay attention to health notices

We want to apply for insurance only through health notice, the health notice is very perfunctory or can hide the disease, in case you have insurance, the insurance company will not compensate.

2.Pay attention to the length of the waiting period

There is a waiting period for health insurance products, and if the insured suffers from a contracted illness during the waiting period, the insurance company will generally not pay for it. At present, the waiting period of most products on the market is 90-180 days, and the relatively good critical illness insurance is generally 90 days, so we should pay more attention to the waiting period.

In short, buying health insurance can alleviate the economic impact caused by the disease, assuming that the budget allows, it is a wise choice to allocate a health insurance for yourself as soon as possible. Look

Health insurance should be guaranteed, it is necessary to buy it, because people's health is the most important, and when you get sick, health insurance can give you a part of the funds to solve it, so that you can live a happier life.

You can think about it, if the economic conditions allow, buy one to give yourself a guarantee.

Is it necessary to buy health insurance? The answer is yes.

You must know that disease is one of the biggest risks faced by people in their lives, if the protection of social security alone is not enough to cover, such as the cost of a critical illness has reached hundreds of thousands or even hundreds of thousands, not any spring closure family can afford, so you also need to buy health insurance to transfer the economic risk caused by the disease.

Before that, if you are not very familiar with the knowledge content of insurance, you can take a look at this article:Ultra-complete! Everything you need to know about insurance is here

At present, the more common health insurance on the market is critical illness insurance and medical insurance, under normal circumstances, the senior sister is recommended to match the two configurations, so as to better protect the interests of themselves or their families.

Critical illness insurance mainly covers critical illness, once the insured is diagnosed with a disease specified in the insurance contract and meets the claim standard, the insurance company will pay according to the amount agreed in the contract. The use of this money is flexible and free, whether it is to pay the first expense or to make up for the loss of income, it can be arranged according to the wishes of the consumer.

Due to the length of the article, if you want to know more about critical illness insurance, you may wish to check out the following article:Which is the best critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pitfalls of insurance

Medical insurance, like medical insurance, is a reimbursement insurance, which can reimburse reasonable and necessary expenses caused by illness and hospitalization, but what is more excellent than medical insurance is that some drugs outside the medical insurance catalog, that is, targeted drugs, special drugs and other expenses that cannot be reimbursed by medical insurance, most medical insurance can be reimbursed.

In addition, for example, millions of medical insurance also has the highlight of low premiums and high insurance amounts, hundreds or thousands of dollars can buy millions of insurance amounts, the overall cost performance is very high, and it can help consumers solve the problem of treatment costs.

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Summary. It is necessary to buy health insurance. Whether it is necessary to buy a health insurance policy should be analyzed on a case-by-case basis.

1. Limited reimbursement of social insurance: medical insurance can reimburse the cost of basic medical insurance drugs, basic medical insurance diagnosis and treatment items and basic medical service facilities. Social security is enough for ordinary minor diseases.

However, if you encounter a critical illness, the high cost of social security for the first major illness is very small, and there is no need to buy health insurance.

It is necessary to buy health insurance. Whether it is necessary to buy a health insurance should be analyzed on a case-by-case basis. 1. Social security reimbursement is limited

Medical insurance can reimburse the cost of basic medical insurance drugs, basic medical insurance diagnosis and treatment items, and basic medical service facilities. Social security is enough for ordinary minor diseases. However, if you encounter a critical illness, the high cost of social security for the first major illness is very small, and there is no need to buy health insurance, the answer is that it is definitely necessary to buy.

The so-called health insurance refers to the insurance and collision with the health of the insured as the protection object, in short, when the body is unfortunately disturbed by the shack, the insurance can cover the medical expenses for us, and even part of the insurance is repaid.

The health insurance mentioned here belongs to the category of commercial insurance. Because the premium is low and the sum insured is high, it is recommended that individuals configure it.

Whether you participate in the medical insurance for urban and rural residents or the medical insurance for urban employees, you can enjoy a reimbursement ratio of about 50% to 80%. Then it means that the cost of out-of-pocket payment is about 20% to 50%, for example, if you participate in employee medical insurance, the reimbursement ratio is more than 70%, and the part of personal self-payment is about 20% or 30%. If you participate in the resident medical insurance, then the reimbursement ratio is more than 50%, so the part of your personal self-payment is 50%.

In this way, it is impossible to enjoy 100% reimbursement even if you have medical insurance, and the hospital still has this threshold of the hospital during hospitalization. Some drugs that are not included in the medical insurance list cannot be paid for by medical insurance. In this way, the cost of out-of-pocket expenses is relatively high, so the advantage of participating in health insurance is that you can enjoy the treatment of secondary reimbursement.

Therefore, it is necessary to purchase health insurance because it can effectively reduce our out-of-pocket costs and pressure.

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

It is necessary to buy health insurance. Health insurance refers to the insurance that the insurance company pays insurance benefits for losses caused by health reasons through sickness insurance, medical insurance, loss of disability income insurance, and nursing care insurance. The coverage age of health insurance is mostly 3 years old and under 60 years old, and in some cases it can be relaxed to 0-70 years old.

It is necessary to buy health insurance. With the rapid development of society, environmental pollution is becoming more and more serious, such as the generation of haze is always threatening people's health, and medical insurance has restrictions, once you suffer from a disease, not only the cost of treatment, but also the cost of lost work, ** fees, etc., medical insurance is not reimbursed.

There are three ways to provide health care:

direct the cost to the provider of health care services;

The sick insured pays the medical expenses in advance, and then the insurance institution compensates for the medical expenses;

Health care services are provided directly by insurance institutions or medical facilities set up by **.

Health insurance is necessary to be purchased, it can financially compensate for the risk of health hazards, and it is one of the types of insurance that need to be prioritized when buying insurance.

Before buying insurance, it's important to understand these key knowledge.

Health insurance refers to the insurance that takes the body of the insured as the subject matter of insurance, and the insurance company will pay compensation after they are diagnosed with a contracted illness or an agreed accident. Common health insurance policies in the market include critical illness insurance, medical insurance, nursing care insurance, and disability income loss insurance.

Next, I will take critical illness insurance as an example to introduce the specific role of health insurance.

Critical illness insurance is a type of health insurance that pays out in cash as long as the insured person is diagnosed with a specified illness and the condition meets the conditions for claim. Moreover, the insurance money of critical illness insurance is not limited to use, so it can be used for living expenses during illness, to make up for the loss of work due to illness, or to serve as a reserve fund in the later stage.

This is one of the forms of health insurance that protects the health of the insured person by transferring the financial risk of the illness through cash compensation.

Versailles Plus Critical Illness Insurance is back, an in-depth review must be seen before buying!

As the most common and the most purchased insurance, health insurance actually has a lot of precautions for insurance, but the space is limited, and the senior sister can't explain it carefully, you can take a look at the following more detailed article:

Is it necessary to buy health insurance? Be sure to pay attention to these routines!

Hello! Health insurance is a must! Among them, medical insurance and critical illness insurance are suitable for most people.

If you don't know which health insurance to buy, you can click to make an appointment for [1-to-1 insurance planning service], and the insurance broker will provide you with professional advice.

1. Medical insurance.

The reimbursement is not limited to social security, the reimbursement amount is higher, and it can also be reimbursed in other places.

In addition, the quality of medical treatment is relatively high. Medium and high-end medical insurance can reimburse the ** expenses of special needs wards and international medical departments, and there are also VIP services when sick. Some also have value-added services such as fee advance, green pass for critical illness, and special cancer drugs.

2. Critical illness insurance.

The biggest role of critical illness insurance is not only to lose money to treat the disease, but more importantly, to make up for a series of economic losses caused by critical illness.

When the insured suffers from a critical illness as agreed in the contract, the insurance company will pay the agreed proportion of the insurance benefit.

And this insurance money, of course, does not have any restrictions on its use. It can not only be used for sickness expenses and aftercare expenses, but also for paying off housing and car loans, or for children's education, or for family daily expenses.

It can be said that critical illness insurance is an excellent financial tool to help us transfer the risk of critical illness.

Whether it is the elderly, children, or people who earn money to support their families, for every family member, critical illness insurance is the indispensable and core protection of all insurance products.

In short, a health insurance is very necessary, so it is recommended that everyone buy medical insurance and critical illness insurance.

Hello! Health insurance is a necessity, and many users nowadays will configure a health insurance for themselves and their families.

If you don't know what health insurance to buy, you can click here to book a 1-to-1 insurance planning service.

Navy Paula. An attentive insurance broker will provide you with professional advice.

Nowadays, the pressure from all levels of society is very high, and most people are in a sub-health state.

In order to prevent the risk of disease, it is recommended that you configure a health insurance for yourself and your family to transfer the risk, and talk about protection for yourself and your family.

A brief introduction to why:

1. Transfer risk.

Purchasing family health insurance can effectively avoid the occurrence of poverty due to illness and return to poverty due to illness, and transfer the economic risk caused by illness to the insurance company.

2. Reduce the pressure of medical expenses.

We all know that it is expensive and difficult to see a doctor, and with the continuous improvement of China's medical level, medical expenses have also increased.

For the average family, a major illness.

It's enough to put the whole family in financial trouble.

Purchasing health insurance can help reduce the burden of medical expenses on families.

3. Make up for the lack of medical insurance.

Although we all have the protection of medical insurance, but the medical insurance is relatively basic, and the reimbursement is also limited.