How many people have bought themselves commercial supplementary medical insurance, said

Xueba talks about insurance, focusing on insurance evaluation! Here's a comparison table of the latest medical insurance products:"Super Complete! Comparison Table of Popular Million Medical Insurance in China

So that you can better understand medical insurance.

Generally speaking, million medical insurance is the most preferred choice for purchasing medical insurance products, and a few hundred yuan can enjoy the protection of millions of sum insured, which is very satisfying. Not only that, but it is also very comprehensive, such as surgery fees, anesthesia fees, nursing fees, drug fees, examination fees, etc.

When buying millions of medical insurance, it is far from enough to only look at the conventional content such as protection liability, **, exemption clauses, renewal clauses, etc., but also look at the "stability of sustainable insurance".

In terms of renewal, it should be noted that medical insurance is a short-term insurance product, and some people are rejected by the insurance company when they want to renew the insurance in the second year after buying the first year. Medical insurance like these has a big deficiency in renewal:Be careful!

These medical insurances! , encounter thousands of detours! 》

So what is "sustainable insurance stability"? To put it bluntly, it means that the product will not be discontinued, and no one can guarantee this except the insurance company. Generally speaking, it can be judged from these aspects:

How many people buy, whether there are many healthy people to buy, whether the pricing is competitive, the medical conditions of the insurance company, etc.

In addition, as an additional reminder, some products will increase premiums for people who have not purchased social security, so social security should be paid well

Mine is finished, I hope it will be used for you.

<> definitely need to supplement some commercial insurance.

Supplementary medical care is relatively basic medical care, and it is voluntary participation by employers and individuals. After the unit and employees have done a good job of basic medical care, the medical insurance items should be appropriately increased in combination with the relevant needs of the unit or individual.

Commercial supplementary medical insurance can be paid by individuals and enterprises, and it can be purchased if necessary. You can find out for yourself what other supplementary medical advice there is.

Corporate supplementary medical care, commercial medical care, social mutual aid and community medical care are all complementary medical care, as a powerful supplement to basic medical care. Similar to social security and commercial insurance, the two complement each other, I will not answer them one by one here, curious can click here:"I don't have to buy commercial insurance if I buy social security, right?

The difference between social security and commercial insurance is **

1.Supplementary medical care only needs to be paid once a year, and you can pay it this year or not next yearYou can only be reimbursed if you have paid it, and you can't be reimbursed if you don't pay it.

2.Complementary medical care can be reimbursed whether it is medical treatment or buying medicineMedical reimbursement is not reimbursed until three days of hospitalization.

3.Supplementary medical care has a certain scope of reimbursementChildbirth, plastic surgery, etc. are not allowed to be reimbursed, generally half of the company is paid, and half is responsible for the other.

4.Supplementary medical care has already paid for friendsMedical records, checklists, and invoices should be taken at the time of medical appointment. There are medical records, lists to be stamped, and invoices to be reimbursed, and no one can miss the three.

5.After that, bring your medical records, lists, and invoices to the Human Resources Department for reimbursementYou need to fill in the relevant ** and provide the bank card number, and the time to receive the reimbursement is about a month.

In order to give you a more complete understanding, I have also sorted out the issues related to medical insurance reimbursement, for reference only:What are the circumstances under which medical insurance does not reimburse? 》Hope!

The result of our own consultation is not to be bought, this is a collective act, not an individual act.

We also encountered this situation a few years ago, the company did not buy, but the company's employees wanted to buy, and then we played a lot of ** consultation by ourselves, and the result was that we could pay for the company's unified purchase. The premise is that it acts collectively and cannot be purchased by individuals.

Xueba talks about insurance, focusing on insurance evaluation! This comparison table provides an in-depth comparative analysis of the millions of medical insurance in China, and you can click to view if you are interested"Super Complete! Comparison Table of Popular Million Medical Insurance in China

If you are planning to buy medical insurance, I suggest that you give priority to buying millions of medical insurance, the first reason is that it has a very affordable **, and the annual premium is only a few hundred yuan, and you can enjoy millions of insurance amounts. It has also done a very good job in the content of insurance, including surgery fees, material costs, anesthesia fees, examination fees, etc.

We should note that when buying million-dollar medical insurance, we should not only pay attention to the conventional content such as protection liability, **, exemption clauses, renewal clauses, etc., but also pay attention to the "stability of sustainable insurance".

In terms of renewal, it is important to note that medical insurance can only be purchased for a short period of time, so there may be a situation where the first year of insurance goes smoothly, but the second year is rejected because of some minor physical problems. Medical insurance like these has a big deficiency in renewal:Embankment!

When encountering these medical insurances, avoid them immediately! 》

Whether the product will be discontinued or not is an intuitive manifestation of whether the "stability of sustainable insurance" is good or not, which only the insurance company itself knows. Generally speaking, it can be judged from these aspects: whether the sales are hot, whether there are enough healthy people to join, whether it is cheap, the medical resources of the insurance company, and so on.

In addition, this point should also be noted, most products, for people who have not purchased social security, the premium is usually more expensive, so social security is well paid

Mine is finished, I hope it will be used for you.

I'm telling you very clearly that you can't buy it yourself. Must be enrolled in the name of the employer.

Yes, you can contact the insurance company and pay for it yourself.

Supplementary medical insurance is commercial insurance, supplementary 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. Article 2 of the Insurance Law stipulates that the term "insurance" as used in this Law refers to the commercial insurance behavior in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the liability to compensate for the property losses caused by the occurrence of an accident that may occur as agreed in the contract, or assumes the liability to pay insurance money when the insured dies, is disabled, becomes ill, or reaches the age and time limit agreed in the contract.

Article 5 of the Measures for the Administration of Health Insurance Medical insurance is divided into cost compensation medical insurance and fixed payment medical insurance according to the nature of insurance payment. Expense compensation medical insurance refers to the medical insurance that determines the amount of insurance money according to the agreed standard according to the actual medical and expense expenses incurred by the insured. Fixed-rate medical insurance refers to medical insurance that pays insurance benefits according to the agreed amount.

The amount of medical insurance paid by the expense compensation type shall not exceed the amount of medical and rehabilitation expenses actually incurred by the insured.

Supplementary medical insurance is commercial insurance, supplementary 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.

1. What are the main contents of the compensation medical insurance policy?

The main contents of the compensatory medical insurance policy include the following:

1. Enterprises that participate in various social insurances and pay social insurance premiums on time and in full according to regulations can decide whether to establish supplementary medical insurance on their own;

2. Supplementary medical insurance** is used to participate in the local basic medical insurance according to the regulations, and the appropriate subsidy for the medical expenses borne by the employees in addition to the treatment paid by the basic medical insurance system for urban employees, so as to reduce the burden of medical expenses on the insured employees;

3. The part of the supplementary medical insurance premium of the enterprise within 5% of the total salary can be directly paid from the cost, and it will no longer be approved by the financial department at the same level;

4. The supplementary medical insurance measures for enterprises should be connected with the local basic medical insurance system;

5, the enterprise supplementary medical insurance funds by the enterprise or industry centralized use and management, separate accounts, separate management, for the enterprise personal burden of heavier workers and retirees of medical subsidies, shall not be assigned to the basic medical insurance personal account, shall not be established in a separate personal account or disguised for other aspects of the staff expenditure;

6. The financial department and the labor and social security department should strengthen the supervision and financial supervision of the management of the supplementary medical insurance funds of the enterprise to prevent misappropriation of funds and other violations.

Article 2 of the Insurance Law of the People's Republic of China The term "insurance" in this Law refers to the commercial insurance behavior in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility of paying insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

Legal analysis: supplementary medical insurance is commercial insurance, supplementary 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.

Legal basis: Insurance Law of the People's Republic of China Article 2 The term "insurance" as used in this Law refers to the commercial insurance behavior in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the liability for compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility for paying insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.