Serious illness critical illness mutual aid or millions of medical mutual aid, which one is better

Individuals with a monthly income of less than 5,000 yuan in China account for 70% of the national total, and this part of the people's ability to resist risks is also the weakest.

Social security is the basis of our protection, ** subsidy, will not refuse insurance, guarantee renewal, but the disadvantage is that the scope of protection is limited, there is no way to resist all the risks that may occur in life.

In contrast, the protection of commercial insurance is comprehensive, and you can choose the right product according to your own needs, but for low- and middle-income people who have rigid protection needs, it is too high and the burden is too heavy. Therefore, in order to solve the problem of financially difficult patients with serious illnesses who have no money to see a doctor, the Internet gave birth to these online mutual aid projects, as long as they join this mutual aid group, one person gets seriously ill, and the entire mutual aid community will share the mutual aid funds equally.

However, is the mutual aid platform really reliable?

In order to reduce the occurrence of insurance fraud, fraudulent donations and other things, the mutual aid platform will become more and more strict in the future, on the one hand, it is difficult to obtain mutual compensation if you have assets such as houses and cars, or have large deposits in your family account.

Not to mention the future trend, as far as the current claim process is concerned, there is also a very big controversy, when the user initiates a request for help, it is necessary to pay an investigation fee to the mutual aid platform in advance, regardless of whether the claim can be implemented or not, the investigation fee will not be refunded.

On the other hand, the main body of many mutual aid platforms is an online company, and the supervision and qualification of funds are not as strict as those of insurance companies, and when the company goes bankrupt, the rights and interests of consumers will be seriously affected.

Fuji Guarantee recommends that you:

Don't pin all your hopes on mutual aid groups, if you want to configure comprehensive protection, you still have to consider the combination of social security and commercial insurance.

If you think critical illness insurance is too expensive, you can consider medical insurance, which is cheap and only a few hundred yuan a year.

Of course, maintain a good mood, exercise scientifically, and eat regularly; Work hard and invest to accumulate a certain amount of capital; Balancing the present with the future is more important than buying insurance.

How to choose between Million Medical Insurance and Critical Illness Insurance?

Serious illness insurance and serious illness medical mutual insurance are very different, these two belong to different types of insurance, serious illness insurance belongs to the payment type, Lu Qilu has found that the first major illness was discovered, immediately take the hospital diagnosis letter can go to the insurance company to make a claim, a one-time payment of the basic insurance amount, 3-10 days to the account, as for the compensation money for treatment or something, depending on their own will.

Serious illness medical mutual insurance belongs to medical insurance, is a high-end medical insurance, the nature of medical insurance is compensatory, which means to spend their own money first after the line of compensation, hospitalization ** discharge, bring the information to report the claim, except for the deductible according to the proportion of reimbursement, the principle is compensation, the compensation can not exceed the cost, the general serious illness insurance and serious illness high-end medical are combined sales.

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Critical illness medical insurance is that when people are seriously ill, they can reimburse medical expenses or give financial compensation.

Social security is based on the actual medical expenses spent on serious illnesses to reimburse, and the state is increasing the proportion of marketing to the serious illness medical newspaper every year, but it is still limited to reimbursement within the scope of the social security catalog, regardless of the self-paid items of Langlaqiao.

As long as the insured is diagnosed with a serious illness, the critical illness insurance of commercial insurance can be paid according to the insured amount, and this money is at his disposal. The disadvantage is that the premium is relatively high.

In fact, there is another way to solve the medical expenses of serious illnesses, which is to join that kind of network mutual aid organization, such as the Elephant Boat Club, you can become a member as long as you charge a small amount of money, about dozens of yuan a year, you can form a mutual help relationship with all members of this platform, and the cost is shared evenly to jointly resist the risk of serious illness.

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Legal analysis: 1. The difference between the payment of social security by units and individuals is mainly reflected in the cost and insurance payment, and there is no difference in the treatment enjoyed.

2. There is a unit to pay, both parties bear the cost, and the unit accounts for the majority, pension: unit 20, individual 8; Medical: 10 units, 2 individuals.

If you pay by an individual, endowment: 20%, medical care: about 8%, plus some other small expenses, such as mutual assistance for serious illnesses, etc., are all borne by individuals, which is naturally heavier than the burden paid by a unit.

3. In terms of the types of insurance paid, the unit generally pays five insurances, most individuals only pay pension and medical care, and a very small number of places can pay maternity or unemployment insurance, according to local regulations.

Legal basis: Social Insurance Law of the People's Republic of China Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state. Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

There are more and more types of insurance now, so do you know what Orange Serious Illness Mutual Medical Insurance is? What does it mean? For that, please read on.

What is Critical Illness Mutual Medical Insurance?

Serious illness mutual medical insurance is the so-called mutual medical insurance for serious illnesses of urban employees, which is a supplement to the basic medical insurance for urban employees. It refers to a kind of social medical mutual aid established by urban workers on the basis of participating in basic medical insurance to solve the problem of medical expenses of insured patients exceeding the maximum payment limit of basic medical insurance, so as to ensure the medical needs of employees for serious illnesses.

Generally speaking, we can only reimburse about 60% of the most basic medical insurance, and the rest of the expenses need to be borne by us personally, so if we encounter huge expenses, even if we are partially reimbursed, our losses are actually a lot.

In this insurance, it appears as a supplementary insurance, so it may not be of much use in the short term, but in the long run, this kind of insurance is still very worth buying, which can ensure our sudden medical needs for serious illnesses. Of course, in real life, this insurance also has a certain degree of restrictions, such as illness caused by certain illegal acts, which is not covered by the mutual medical insurance for serious illnesses.

To sum up, this is the mutual medical insurance for serious illnesses.