Private car traffic accident medical insurance, traffic accident medical insurance reimbursement

The most asked question is how to buy medical insurance, and the popular medical insurance products in China are sorted out here, and it is clear which one is good and which one is not good"Comparison Table of 136 Popular Medical Insurance Insurances in China".

Accident medical insurance is generally an add-on to accident insurance and cannot be purchased separately. You can purchase medical insurance separately.

Before purchasing commercial medical insurance, it is recommended to configure 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 millions of medical insurance can be reimbursed for items that cannot be reimbursed by medical insurance, such as high-end, special, and so on.

There are many types of medical insurance, and the common ones are three types: million medical insurance, hospitalization medical insurance, and cancer prevention medical insurance.

Let's break it down briefly:

1. Million medical insurance

Most people can buy millions of medical insurance, it is not only cheap, the amount of reimbursement is also very high, and it does not have a limit on the types of diseases reimbursed, a few hundred yuan a year can give you millions of protection, it can be said to be very cost-effective. In addition, it also has a very comprehensive coverage, 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 of the more popular million-dollar medical insurance:

According to ** we can learn.

(1) Good medical insurance:Its biggest highlight is the guaranteed renewal for 6 years, which is unmatched by many products. During these 6 years, you can renew the policy no matter what.

(2) Exclusive e-life:Added post-operative home care, oncology specialty services, and increased family sharing deductible options.

(3) Micro-medical insurance:The value-added services of international second diagnosis and treatment have been added.

As you can see from the above, each product has its own unique advantages, and we choose according to our needs.

In addition, there are many cost-effective million medical insurance products, interested friends can click the original article to view:"10 Popular Medical Insurance Plans to Buy".

2. Hospitalization medical insurance

The main features of hospitalization medical insurance: relatively low deductible and low reimbursement amount. This kind of insurance is mainly used to reimburse outpatient services, and it is generally more suitable for younger babies or older people.

Because babies and the elderly are weaker and more prone to catching colds, relatively speaking, this insurance plays a greater role in them.

3. Cancer prevention medical insurance

Since the insurance age of million medical insurance is generally 0-60 years old, the older ones cannot be insured, and they can be insured with cancer prevention medical insurance.

Cancer medical insurance is a health insurance specifically designed for cancer, and the health notice of this insurance is relatively loose, and the elderly can also be insured. It is very suitable for people who are old or have some minor physical problems.

This kind of ** is greatly affected by physical fitness and age, here are a few cancer prevention medical insurance cost-effective good, you can take a look at it if you need it:"Wool! Top 10 Popular Cancer Medical Insurance Worth BuyingHope!

Usually, the medical expenses of traffic accidents belong to the third party liability of traffic accidents, and medical insurance cannot be reimbursed. Only commercial insurance can handle claims. However, in these two cases, you can find medical insurance to reimburse part of the medical expenses:

1. Medical expenses shall be borne by a third party in accordance with the law, and if the third party does not pay or the third party cannot be determined, the basic medical insurance shall pay in advance. After the basic medical insurance** is paid in advance, it has the right to recover from a third party.

Second, the traffic accident is fully responsible, and the medical expenses caused by the injury caused by their own fault do not belong to the situation that are not included in the scope of payment of basic medical insurance, and the medical insurance department must reimburse the medical expenses.

According to Article 30 of China's "Social Insurance Law", the medical expenses that should be borne by a third party are not included in the scope of basic medical insurance**; Medical expenses shall be borne by the third party in accordance with the law, and if the third party does not pay or the third party cannot be determined, the basic medical insurance shall pay in advance. After the basic medical insurance** is paid in advance, it has the right to recover from a third party.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello! Glad to serve you!

It is recommended that you insure our company's million-dollar driving private car insurance, you pay 3245 yuan per year, pay 5 years, insurance for 30 years, yuan per day, your protection benefits are:

1. Have 2 million driving private car protection every day, 10,000 public transportation accident insurance, 10,000 ordinary accident insurance, 4. If you need to be hospitalized in the event of a bump, 100 yuan per day will be subsidized by accident hospitalization, and 125% of the main insurance premium will be returned at the end of 30 years, and a total of 1975 yuan will be paid for 5 years, and the consumption will be 1975 yuan for 30 years, with an average of yuan per day, which is a pure protection insurance. Yuan per day, with a guarantee of 2 million, you deserve it.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"