When a child buys medical insurance, should he choose the one with a high sum insured or a low deduc

In fact, there is no conflict between buying a high sum insured and a low deductible, and you can buy both. After the child is equipped with critical illness insurance, medical insurance can buy small medical insurance and million medical insurance.

The sum insured for million-dollar medical insurance is generally several million, but the premium is only a few hundred. Moreover, the coverage is wide, and the hospitalization reimbursement is not limited to the type of disease.

ButGenerally, millions of medical insurance have a deductible of 10,000, and you can buy a small medical insurance with a limit of 10,000 at this timeIt just makes up for this shortcoming of Million Medical.

If you do not have critical illness insurance, it is also recommended to configure critical illness insurance. Critical illness insurance is mainly used as a family income compensation and medical reserve. As long as you suffer from the illness specified in the contract, you can pay a lump sum of money at your disposal.

It can make up for the loss of income and pay for the child** during the child's medical visit. Try to buy critical illness insurance with an insurance amount of 500,000 yuan or more for your child, preferably to cover the annual family income for 3-5 years.

In fact, the real children's insurance with high price is complete for one or two thousand a year, and the protection is comprehensive.

In recent years, more and more parents choose to buy medical insurance for their children, and many children's medical insurance products have appeared on the market. Although the specific content is different, it can basically be divided into two categories, each with its own suitable group of people:

The first type: low sum insured, low deductible.

Product features: This type of product has a low insurance amount, generally between 1-50,000 yuan, the premium is cheap, there is no deductible or the deductible is very low, as long as the hospitalization can be reimbursed, and some also include outpatient reimbursement.

Advantages: It can be used as a supplement to medical insurance, and a part of the child's hospitalization medical expenses can be solved with very little money, and it is recommended to give priority to children's medical insurance when configuring it.

The second type: million-dollar medical insurance with high sum insured and high deductible.

Product features: This type of high-cost hospitalization medical insurance is popular in the market, and the insured amount starts from one million. This type of insurance usually has a deductible of 10,000 yuan, which you need to pay attention to when purchasing.

Applicable people: 0-4 years old children may be slightly more expensive to buy, and it will be cheaper to buy after 5 years old, that is, about 300 yuan.

Many netizens are asking how to buy medical insurance, I have sorted out the more popular medical insurance in 2020, which one is worth buying, you will know at a glance:"Super Complete! Comparison Table of Popular Million Medical Insurance in China

The deductible for inpatient medical insurance is relatively low.

Generally speaking, it is necessary to configure medical insurance before purchasing 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 can reimburse the part that cannot be reimbursed by medical insurance.

For example, high-end**, special**, and so on.

At present, medical insurance can be divided into many types, and the common ones are three types: million medical insurance, hospitalization medical insurance, and cancer prevention medical insurance.

Let's talk about the differences between these 3 in detail:

1. Million medical insurance

Most people can buy millions of medical insurance, because it has a high reimbursement, but it is very low, and there is no limit to the types of diseases reimbursed, pay a premium of a few hundred yuan a year, but you can get millions of reimbursements, it is worth it. Moreover, the content of the million medical insurance is also very comprehensive, such as bed fees, nursing fees, surgery fees, drug costs, material costs, etc., which can be reimbursed.

Next, I will give you an analysis of a few representative million medical insurance:

You can find out by **.

(1) Good medical insurance:6 years of guaranteed renewal, which is unmatched by many products. During the 6-year period, whether it is a claim, a deterioration in health or the suspension of insurance products, you can continue to apply for insurance.

(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 more value-added services for international second diagnosis and treatment.

Through the above analysis, we can know that each product has its own characteristics, and when choosing a product, we should choose according to our own needs.

In addition to the millions of medical insurance mentioned, there are many cost-effective products to choose from, you can click on the original article to view:"10 Popular Medical Insurance Plans to Buy".

2. Hospitalization medical insurance

The characteristics of this type of medical insurance are: low deductible and low sum insured. This type of insurance is mainly used to reimburse outpatient clinics, and is generally suitable for young babies or older people.

Because babies and the elderly are weaker and have a higher probability of getting sick, relatively speaking, this insurance will be of greater use to them.

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.

The coverage of cancer medical insurance is for cancer, and the health notice of this insurance is relatively loose, and the insurance age is relatively wide. If you have some minor physical problems or are older, it is more suitable to buy this one.

This kind of ** is greatly affected by physical fitness and age, here are some of the more worth buying, ** relatively low cancer prevention medical insurance, you can collect what you need:"Great value! Cost-effective cancer prevention medical insurance ranking

You can go to "Lejian Life" to have a look. Highlights of this insurance: Yuan deductible; 2.100% reimbursement for inpatient and outpatient services; 3.No social security restrictions. Another point is that you can participate in the insurance from 0 to 65 years old.

Yes! There's even a 0 deductible!

Many mid-range medical care or million medical or million cancer insurance are "0 deductible"! Moreover, for people of the same age, as long as there is social security, the premium is the same.

There are also inpatient medical treatment for minors aged 3-18 years old who are also "0 deductible, 100% reimbursement"!

There is also mid-range medical insurance for adults, and the deductible can be chosen by yourself, which can be "0 deductible", "5000 deductible", or "10,000 deductible". Of course, the lower the deductible, the higher the premium.

The biggest difference is in the same amount of coverage**.

Medical insurance uses an absolute deductible, which means that the insurance company pays the amount above the threshold (10,000 yuan for million medical treatment) and within the limit after you have paid the threshold.

The setting of absolute deductible is a kind of self-protection of insurance companies, on the one hand, it can reduce the cost of claims and avoid the situation of unlimited and transitional medical treatment for customers; On the other hand, it reduces the number of claims reports and compresses the manpower and economic costs of claims.

Some customers will feel that the practicability of this type of product is relatively poor, so two corresponding methods are introduced.

Choose a medical insurance with a small sum insured as a bridging point. You can buy a small medical treatment according to the size of the deductible, ** is very cheap, because the coverage is low, so there is no deductible.

That is, in the case of minor illnesses, small medical treatment is used.

In the case of hospitalization, the small medical treatment will be taken first, and the part of the small medical reimbursement will be included in the deductible of one million medical treatment, so as to completely avoid the part paid by the customer.

Choose high-end medical insurance. If the economy allows, you can choose high-end medical care, not only there is no deductible, covering hospitals around the world, including private and some expensive hospitals, you can enjoy the best quality medical level and service, and many hospitals are paid directly by insurance companies, and they use claims after seeing a doctor, and they are directly connected by hospitals and insurance companies.

Summary. 1. Small medical insurance: this kind of 0 deductible, but the amount is not high, usually between 1-20,000 yuan of hospitalization expenses, for small diseases is enough, such as children's hand, foot and mouth hospitalization, self-expense of thousands of yuan, after medical insurance reimbursement, you can use small medical insurance reimbursement, cold and fever, gastroenteritis, etc., small medical insurance can be solved; 2. Million Medical Insurance:

Critical illness is 0 deductible, but the general hospitalization is 10,000 yuan deductible, the deductible is very high, generally to deal with serious illness, the amount of more than 1 million, mainly depends on the product, can reimburse the catastrophic medical expenses caused by critical illness. Due to the deductible of 10,000 yuan, many minor diseases cannot be reimbursed, which is not so practical, and the combination of small medical care + million medical insurance can make the maximum reimbursement seamless.

The baby has bought a small amount of medical Bixin therapy insurance, and then Zhonghuiyou buys a million medical deductible to choose how much is cost-effective, choose 10,000 a year 700, 20,400, choose 20,000, because I have bought a small amount of medical insurance.

1. Small medical insurance: this kind of 0 deductible, but the amount is not old and high, usually in the lead of 1-20,000 yuan of hospitalization expenses, for small diseases enough, such as children's hand, foot and mouth hospitalization, self-expense of thousands of yuan, after medical insurance reimbursement, you can use small medical insurance reimbursement, cold and fever, gastroenteritis, etc., small medical insurance can be solved; 2. Million medical insurance: critical illness is 0 deductible, but general hospitalization is 10,000 yuan deductible, the deductible is very high, generally for serious illness, the amount is more than 1 million, mainly depending on the product, can reimburse the catastrophic medical expenses caused by critical illness.

Therefore, millions of medical and small medical insurance should be invested together, and millions of medical insurance due to the setting of 10,000 yuan deductible, resulting in many minor diseases can not be reimbursed, which is not so practical, and the combination of small medical services and large treatment + million medical insurance can make the maximum reimbursement seamless.

Twenty thousand is a good deal.

1.Lejian Life 2021

The biggest advantages of this medical insurance are: 0 deductible for hospitalization, optional outpatient and emergency medical coverage, and no coverageSocial securityThere is little difference in rates, and special needs outpatient clinics and wards are available.

Let's take a look at this medical insurance:

1.The deductible is free to choose, with 0 deductible and 100% reimbursement

For the general deductible of 10,000 yuan in 100,000 yuan medical insurance, this is a great advantageMicro-medical insuranceThere are not many small medical insurance on the market that can do unlimited medication and 100% reimbursement, and even if there is, the premium is not cheap But Lejian Life 2021 Medical Insurance can perfectly make up for this gap and truly achieve 100% reimbursement

2.The biggest advantage of this medical insurance is that the non-social insurance rate is not much more expensive than that of social security, for example, for example, for ** middle 0-year-old male, choose 0 deductible, 100% reimbursement ratio, plan four. There is social security:

998 yuan year vs no social security: 1190 yuan a year, it can be seen that the difference is only less than 200 yuan, for example, in Foshan, where I am located, medical resources are not developed, if the patient needs to go to the neighboring Guangzhou hospital**, need to go to the procedure of reporting in a different place, if it is a business trip, there is an emergency need to be urgent**, so a medical insurance without social security 100% reimbursement is particularly important

3.Optional outpatient and emergency medical insurance to cover the costs of minor illnesses and pains This product can choose to add outpatient and emergency medical insurance, the minimum deductible can be 0 yuan, 100% reimbursement ratio, just kidding, even if it is a fever and cold, it can be reimbursed. The scope of reimbursement can be ordinary ** fee, ** fee, drug fee, outpatient surgery fee, can also be reimbursed Chinese and Western physiotherapy fees, durable medical equipment costs can also be reimbursed

4.You can choose the special needs department and the international department This medical insurance restriction of the hospital is a secondary and above medical insurance designated hospital, and you can choose to expand to the corresponding special needs department and the international department, which is suitable for customers who have requirements for medical experience

The amount of deductible is determined by the individual, as long as you buy a large amount of medical insurance, you can count it as a risk prevention and control. The details can be determined according to personal preference.

The deductible for medical insurance is the threshold line, that is, the insurance company pays for the excess part, and the insurance company is not responsible for the excess of the insurance company. Common types of medical insurance are as follows:

Niche medical insurance: The premium is cheap, and the sum insured is usually around 10,000 yuan. There is usually a $100 deductible or zero deductible.

Million Medical: There is a deductible of about 10,000, and the premium is cheap. The sum insured is very high, 3 million to 6 million.

Mid-end medical: annual sum insured of 200,000 yuan. Optional outpatient liability can be selected deductible size, and the advanced version can be reported to the special needs department and the international department.

High-end medical care: annual insurance amount of 2 million. Optional outpatient liability optional deductible size. There is a direct payment service, which can be reported to the special needs room and the international room department.

How to choose a deductible?

If you are very concerned about the 10,000 deductible and want to pay for the doctor yourself, you can add a 10,000 amount of niche medical insurance to make a combination. A 30-year-old man has two medical insurance premiums of less than 500 yuan a year. You can get as much as you spend.

When choosing Million Dollar Medical Insurance, please note that although many companies offer Million Medical Insurance plans with a 10,000 deductible. But there is a difference in this 10,000 deductible. Some companies can have zero deductibles for cancer, social insurance can deduct deductibles, and some companies can only deduct from commercial insurance.

Take a good look at the terms, oh friend......

If the family is well-off, you can also consider mid-range medical care and high-end medical care. The amount of premium is also determined according to the deductible we choose and whether it includes outpatient liability, which is very user-friendly! The premium is, of course, more expensive than regular medical insurance.

Most of the friends who choose high-end medical care are still more concerned about the value of other services it provides. High-end medical insurance including outpatient and zero deductible is about 7,000 yuan a year for a 30-year-old man, which is equivalent to the payment of a critical illness insurance**. Choose a deductible without outpatient liability, and the annual premium is about 1,500 yuan.

If you like high-end medical care very much, you can also consider the latter with deductible, and you can experience all the conveniences brought by high-end medical care.

Renewal risk of medical insurance.

At present, all commercial medical insurance in China is not guaranteed to be renewed, and there is a risk of stopping sales in theory. When choosing, try to choose the one with better renewal conditions. No underwriting is required for renewal, and the rate will not be adjusted due to personal health reasons.