I want to buy medical insurance, what insurance is good to buy

Medical insurance is a relatively cheap type of insurance, the cost is relatively small, dozens of yuan can buy one, everyone can afford it, although this insurance is not complicated, but if you want to buy the right product, you still have to consider three factors.

The first is the issue of responsibility ratio. It is best to choose a product that provides hospitalization medical care, hospitalization subsidy and accidental medical treatment, because the lack of any one of them can easily lead to losses, and claims disputes are also prone to occur, hospitalization medical insurance can compensate for the medical expenses required during hospitalization, which is generally paid on a daily basis, and the number of days of compensation usually does not exceed 180 days, which can make up for the lack of medical insurance reimbursement.

The second is the issue of guaranteed renewal. Many medical insurance is short-term, providing protection for only one year, if the insurance reimbursement occurs this year, then the same disease will not be paid next year, so it is important to ensure the renewal of the policy, if there is one, you can renew the policy, and the future protection can also be available.

The third is the issue of social security complementarity. If you participate in basic medical care or rural cooperative medical care, you can buy less hospitalization medical insurance, more hospitalization subsidies and accident medical insurance, and the insurance amount should be higher, so as to make up for the medical insurance reimbursement.

When we buy medical insurance, we need to pay attention to the following aspects: whether to provide guaranteed renewal, whether the deductible is high or not, etc. Only when we take these aspects into account can we buy a medical insurance that is truly suitable for us. In addition, it is recommended that you give priority to purchasing million medical insurance.

1. Do you provide guaranteed renewal?

The health notice of medical insurance is generally strict, and the coverage period of medical insurance is mostly only one year, which leads to the problem of renewal of the policy. If the insured's physical condition deteriorates, or if a claim occurs during the benefit period, or if the product is discontinued, these factors may cause the insured to fail to renew the policy. As a result, the insured person will not be able to obtain stable protection.

However, there are also some guaranteed renewal products on the market, during the guaranteed renewal period, as long as the insured applies for renewal, the insurance company will continue to provide protection in accordance with the contract.

Regarding the renewal of medical insurance, the senior sister will talk about so much first. If you are more interested in these contents, you can take a look at the following article: How to renew medical insurance, what should I pay attention to? Analysis in one article!

2. Is the deductible high?

The so-called deductible is the amount agreed in advance between the insurance company and the insured, if the loss amount is within the specified amount, the insured shall bear the loss by himself, and the insurance company is not responsible for the amount of compensation.

For most million medical insurance companies on the market, the deductible is basically 10,000 yuan. If the deductible is too high, it will reduce the probability of the insured person's compensation and prevent them from receiving strong protection. Therefore, you need to pay attention to this point when buying medical insurance.

However, the lower the deductible, the better, and if the deductible of a medical insurance plan is too low, it may also raise some other questions: What is the deductible? Is the less deductible the better?

According to the normal way of buying insurance, you should be able to buy an accident insurance first, the amount is determined according to your own situation, anyway, it is very cheap! If you have the conditions for medical treatment, it is best to buy social security, which is the most practical, if it is a commercial insurance, you can buy additional insurance for hospitalization or national life long-term care and other types of main insurance!

At present, there are many high-quality medical insurance products on the market, such as Pacific Medical Care, Ping An e-Life Insurance Long-term Medical, Zhong'an Zhongmin Insurance, etc., all of which are good.

Like Zhong'an Zhongmin Insurance's inclusive million medical insurance, it is a product that is free of health notice and no occupational restrictions, and the insurance threshold is relatively low!

Want to buy insurance, but don't know what to buy? What insurance is good? If it meets your needs and solves the risks you are worried about, then this kind of insurance is good insurance, even if the cost performance of this product is not the best in the market. How to choose a cost-effective insurance?

Medical insurance for urban residents.

How to apply: 1. You can go to social security (pension + medical care) as a freelancer.

2. Participation conditions: urban hukou or rural to non-hukou.

3. Location: social security service points in local community streets, or social security bureaus (labor and social security bureaus) at the district and county level.

4. The basic information required in the question of how to pay social security for individuals: household registration book, ID card and photocopy, 2 1-inch **.

Hello lz. Medical insurance and accident insurance are generally sold as secondary insurance, and it is recommended that you buy Pacific Company's Golden Life (35 types of critical illness protection) + hospitalization.

Do you want to buy that one? Whether it is an accidental injury caused by an accident of a medical nature, or an outpatient injury, hospitalization, surgery, etc., caused by an illness. There are many of them.

General medical insurance and commercial insurance are purchased as additional insurance. There is also short-term accident insurance, such as life insurance of major companies and Xinhua's 100 yuan card order, which is very practical, but if there is a large demand, you have to use professional medical illness insurance.

Hello, I'm AIA Beijing Branch.

Are you a man or a woman, your age, what problems do you want to solve through insurance, accident medical treatment or critical illness health? Are there any requirements for the amount of coverage for the payment period?

Buy Taikang Life for a healthy life.

You need to analyze it according to your specific situation and focus, there is no good or bad one, the key is to find the right insurance for yourself.

Different types of health insurance have different functions.

In fact, there are many factors to consider when choosing a medical insurance that is suitable for you. For example, the stability of the product, if the stability of the product is not strong, it may be removed from the shelves halfway, then this guarantee will be broken. For more information on how to apply for medical insurance, please see here

Which is the best health insurance? That's right! 》

Usually we can judge the stability of the product by the renewal conditions.

Whether the renewal conditions of the product are relaxed, whether the insurance will affect the subsequent renewal, etc. Because the coverage period of commercial medical insurance is generally 1 year or less.

Renewal is an important part of this short-term insurance product, and failure to continue insurance has a greater impact on future protection.

If the policy is renewed, the policyholder's right to guarantee renewal will not be terminated because the insurance is also suspended. This is a point that many products will mention, the right to renew, so you must pay attention when applying for insurance.

Daddy chooses the more popular 6-year guaranteed renewal million medical insurance on the market and the million medical insurance that does not guarantee renewal for comparison:

Beyond 2020 has the cheapest premium, and its critical illness medical treatment is 0 deductible, which is still very good compared to other million medical insurance Beyond 2020.

Let's take a look at how to choose the above-mentioned million medical insurance:

The pursuit of comprehensive protection: enjoy e-life 2020

Exclusive e-Life 2020 can be said to be the benchmark for millions of medical insurance.

Its insurance responsibilities cover general medical care, critical illness medical care, special medical insurance, proton and heavy ion medical treatment, special drug services, etc., and the maximum insurance amount for critical illness can reach 6 million.

Relaxed renewal conditions:Ping An e-Life Insurance 2020 Guaranteed Renewal Version, Good Medical Insurance Long-term Medical Care 2020, and Beyond Insurance 2020

This type of product is guaranteed to be renewed for several years, during which the product can be renewed even if it is discontinued, and the premium is paid according to the rate schedule.

The pursuit of cost-effective:Beyond Bao 2020

Its critical illness medical treatment has 0 deductibles, and the deductible for general medical treatment will be reduced year by year, which is very practical, and compared with the old version, ** has also been reduced a lot.

It is even lower than the long-term medical care 2020**, and the overall cost performance is very high.

To sum up, when you choose medical insurance, you can not only look at the first, but also choose a variety of factors, such as renewal conditions, deductibles, reimbursement ratios, etc., are all factors that need to be considered.

Here are a few important details that are easy to ignore when choosing medical insuranceI hope you will pay attention.

1. Pay attention to the renewal conditions

At present, there are almost no medical insurance products on the market that are renewed, and Article 3 of the Measures for the Administration of Health Insurance issued in 2006 has made clear provisions on guaranteed renewal

"Health insurance is divided into long-term health insurance and short-term health insurance according to the duration of coverage. Long-term health insurance refers to health insurance with an insurance period of more than one year or an insurance period of no more than one year but with a renewal clause. Short-term health insurance is one that is valid for one year or less and does not include a renewal clause.

The guaranteed renewal clause means that after the expiration of the previous insurance period, the policyholder submits an application for renewal, and the insurance company must continue to underwrite the policy according to the agreed rate and the original terms. ”

When the above conditions are met at the same time, it is a guaranteed renewal in the true sense.

I hope that when you buy medical insurance, you must read for yourself how the renewal clause is written.

2. Pay attention to insurance companies

Medical insurance is different from critical illness insurance, so it is recommended that you pay attention to the insurance company when choosing and give priority to the products of health insurance companies. Because the health insurance company's medical insurance renewal is more secure. Because medical insurance is the main business of health insurance companies, compared with property insurance companies and life insurance companies, there will be better renewal reliability.

In addition, the future trend should be closer and deeper integration of insurance and medical services, and health insurance companies will also go faster and deeper in this regard, and policyholders may have a better experience with additional services.

3. Look at the scope of reimbursement:

First of all, it is necessary to clarify whether to limit the use of drugs within the scope of social security. In addition to covering medical expenses, medical insurance also has the effect of improving the quality of medical care. If the use of drugs in social security is restricted, when the doctor gives us a choice, everyone will consider the balance between cost and efficacy.

But if it is medical insurance that can cover social security, you don't have to think about it so much, and you can use which one has a better effect.

Fourth, pay attention to the deductible

The deductible of 10,000 is basically the standard configuration of each "million medical insurance". However, in order to break out of the competition in medical insurance, various insurance companies have created some selling points in deductibles. For example, reduce the deductible to 5,000 yuan, or simply make it 0 deductible.

However, a low deductible and a 0 deductible usually mean that the premium is corresponding**, so when choosing, you should not only focus on the absolute number of deductibles, but also weigh the actual premiums against the purchase.

In addition to these points, we must not simply compare when choosing medical insurance, because medical insurance is a typical short-term insurance product, basically all companies have the right to adjust the overall rate, with the increase in product claims and social medical expenses as a whole, the medical insurance rate will also be **, and it may be a large **. Therefore, the current rate advantage does not mean that there will be such an advantage in the future, and the rate below the market average also means that the renewal reliability will be worse in the future.

To buy medical insurance, taking common accident medical treatment and hospitalization medical treatment as an example, we can choose from the basic definition and reimbursement scope of the two:

The type of insurance that the insured needs to be hospitalized due to illness or accident and other factors** is the type of insurance that is finally borne by the insurer.

To put it simply, if the insured has an accident or illness, as long as he is hospitalized in the hospital designated by the insurance company**, the medical expenses incurred by the insured will be paid by the insurance company according to the contract within the validity period of the contract.

The first expense caused by the insured due to accidental injury, and finally the insurance company bears the corresponding insurance payment, which is accident medical insurance. Usually, accident medical insurance is in the form of an add-on to accident insurance.

In other words, if the insured accidentally suffers an accidental injury and is hospitalized in a hospital designated by the insurance company**, after deducting the deductible, the expenses incurred within 180 days from the date of the accident will be paid in accordance with the contract.

For accident medical treatment, it should be emphasized that as long as the accident is due to the accident insurance accident and accepts **, the insurance company will pay the accident medical insurance benefit according to the contract, and its cumulative amount does not exceed the insurance amount agreed in the additional contract.

There are also many classifications of medical insurance, which are divided into general departments of public hospitals, special needs departments, international departments, private hospitals, expensive hospitals, and foreign hospitals according to the level of hospitals.

According to the compensation method, it is divided into self-payment and then reimbursement, hospitalization allowance, and direct payment by insurance company (direct payment for high-end medical treatment).

Pay attention to reimbursement ratios, deductibles, and coverage.

That's all for medical insurance, so we can't recommend a plan because you don't know your personal circumstances and needs.

Medical insurance is the protection we usually need the most, such as we usually get sick and hospitalized, we can be protected, but medical insurance alone is not enough, it is generally recommended to buy it with commercial insurance. But it is also necessary to decide what to give based on our own economic situation.