I want to buy myself hospital medical insurance, but I don t know if it s appropriate

Insurance as one of the three major financial industries (the other two are banks and **), the unique and most fundamental feature is the protection function, which is not available in other financial industries, so since you want to buy insurance, the first thing to consider is protection insurance.

In fact, protection insurance is needed by everyone, and accident insurance, health insurance, and life insurance should form a "golden triangle of protection".

When such risks occur, it will have a great impact on the family's economic situation, and now this kind of news abounds on TV, so we can't guarantee that accidents and diseases will not occur, so we should plan in advance and transfer this part of the risk to the insurance company, so that no matter what kind of risk is mentioned above, then at least in the economic aspect do not have to worry too much.

To give you some advice, since you realize that you want to buy insurance, then first meet the "Golden Triangle of Protection" and then attach to the hospitalization medical insurance, after all, the amount of hospitalization medical treatment is limited, once you encounter a serious illness, it is still useless, I hope my answer can help you.

Hello, hospitalization medical insurance products, mainly divided into accident hospitalization and illness hospitalization two aspects of the protection content, you plan to add appropriate hospitalization medical insurance to yourself is good, it is recommended that you combine your own protection needs for comprehensive consideration. For the hospitalization medical insurance product that suits your protection needs, you can go to the professional insurance platform to carefully compare and choose. Hope it helps!

This is to buy a kind of protection, if you are sick, you can be reimbursed, it is definitely suitable.

It is necessary to buy. Hospitalization medical insurance is a kind of insurance in which the insurance company will pay the insurance money to the insured according to the proportion agreed in the contract for the medical expenses incurred by the insured due to illness and hospitalization. Inpatient medical insurance can compensate the insured for inpatient medical expenses, which can reduce the financial burden of the insured's family and help the patient cooperate with the hospital**.

Therefore, it is necessary to purchase a hospitalization medical insurance for yourself or your family. Especially for people with average family conditions and illnesses, hospitalization medical insurance is a good option.

Further information: 1. Hospitalization medical insurance refers to the health insurance in which the insurer is responsible for the expenses incurred by the insured due to accidents or illnesses due to hospitalization**.

2. The purpose is to solve the problem of high expenses incurred by the insured due to hospitalization. In order to prevent the insured from deliberately prolonging the hospitalization time and incurring unreasonable medical expenses, there is a deductible period for the first or non-continuous hospitalization medical insurance, and the hospitalization exemption period for critical illness is usually longer than the hospitalization exemption period for general illness. However, there is no exclusion period for accidental hospitalization and continuous insurance.

This type of insurance contract usually also has provisions such as the maximum length of hospital stay and the amount of the daily allowance.

3. Application for insurance benefits. If the insured incurs the payment of medical expenses within the scope of insurance liability, the insured, as the applicant, shall fill in the application form for insurance benefit payment within 30 days after the insured is discharged from the hospital, and apply to the insurance company for insurance payment with the following certificates and materials:

1) Insurance policy and proof of payment;

2) Household registration certificate and identity certificate of the insured;

3) The medical certificate issued by the hospital designated by the insurance company (indicating the full name of the diagnosis, simple medical history and ** process) and the original voucher of inpatient medical expenses, settlement schedule and prescription;

4) Other certificates and materials related to the confirmation of the nature, cause, and degree of injury of the insured accident. After receiving the applicant's application for insurance balance payment and the above-mentioned certificates and materials, the insurance company shall fulfill the obligation to pay the insurance money within 10 days after reaching an agreement with the applicant on the amount of insurance money paid.

I bought this insurance, the premium is very cheap, but I think the protection is quite complete. Although it is not as good as the renewal conditions of long-term medical insurance, I think that if you don't use the money, it will be in vain, and the protection is the same, so it is better to spend less money.

Inpatient medical treatment does not include early height accidental injuries and accidental injury medical treatment.

Inpatient medical care refers to the expenses that are reimbursed for hospitalization due to illness.

Accidental injuries refer to unintentional, sudden, and unexpected injuries, such as falls and bruises. The reimbursement of this land reserve foot is an outpatient reimbursement expense.

Accidental injury medical treatment refers to the reimbursement of hospitalization expenses due to the occurrence of an accident and the serious injury of rolling and dressing**.

After analysis, there is no conflict between these three, and they can be purchased together or at their discretion, but if you buy accidental injury, you must buy accidental injury medical treatment.

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

Is it necessary to buy hospitalization medical insurance?

Q: I just found out that I am sick and need to be hospitalized, and I want to buy medical insurance to go to the hospital. A:

Seriously ill hospitalization, there is medical insurance, up to 80%, buy insurance, see Zheng Bangju you to buy life insurance, in the insurance company can ask the handling party, specific things, to pay, ask: buy endowment insurance need to buy hospitalization medical A: buy endowment insurance, can only solve the basic living expenses of your old age, hospitalization medical care can only pay out of your own pocket, in order to avoid the risk of hospitalization, you should buy hospitalization medical insurance.

Q: The medical insurance bought in Chengdu is noisy, how long does it take to buy hospitalization before it can be reimbursedA: General medical insurance has a waiting period, 90 days for minor illness medical treatment and 180 days for major illness medical treatment.

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

Reasons to purchase hospital medical insurance include:

1.Hospitalization medical insurance can mainly reimburse the insured for hospitalization and medical expenses due to illness or accidents, and the reimbursement scope generally includes drug expenses, hospitalization expenses, ** fees, etc.;

2.Hospitalization medical insurance can be used as a supplementary insurance to basic medical insurance to make up for the lack of medical insurance;

3.Hospitalization medical insurance can solve the problem of the insured's difficulty in seeking medical treatment, generally providing value-added services and seeking medical treatment in a timely manner;

4.Hospitalization medical insurance can reduce the financial pressure of the insured person after hospitalization;

5.Hospitalization medical insurance in a policy year, the cumulative reimbursement amount is subject to the limit agreed in the insurance contract;

6.Hospitalization medical insurance premiums are generally inexpensive;

7.The deductible for hospitalization medical riders is generally low, and some have no deductibles;

8.Hospitalization medical insurance is mainly insured as an additional insurance, and the policyholder needs to purchase the main insurance to supplement the hospitalization medical insurance. However, there are also some hospitalization medical insurance plans as primary coverage** that can be purchased separately;

9.Most hospitalization medical insurance is not geographically restricted, but it can only be reimbursed within the country. However, in the case of high-end medical insurance, the medical expenses incurred by the insured abroad can usually be reimbursed.

Summary. Dear, people who are already hospitalized can buy accident insurance, annuity insurance, and property insurance, but they will be subject to certain restrictions when applying for health insurance and life insurance.

Health insurance, life insurance usually have health notice, the insured must meet the health requirements to insure, different insurance products have different requirements, when applying for insurance, you only need to follow the insurance company's questions to tell the truth, if you are hospitalized due to serious illness such as cancer, diabetes, etc., the probability will be denied, even if the insurance is successful, the cost of this hospitalization will not be reimbursed.

People who are already hospitalized can buy accident insurance, annuity insurance, and property insurance, but they will be subject to certain restrictions when applying for health insurance and life insurance. Health insurance, life insurance usually have health notice, the insured must meet the health requirements to be insured, different insurance products have different requirements, when applying for insurance, you only need to follow the insurance company's questions to tell the truth, if you are hospitalized due to serious illnesses such as cancer, diabetes, etc., there is a high probability that the insurance will be denied, even if the insurance is successful, the hospitalization of Fei Hui will not be reimbursed.

Because according to the current national medical level, the medical expenses incurred by a disease or accident in a tertiary hospital are not less than 30,000 yuan, and often the expenses incurred by such inpatient medical treatment are not allowed to be reimbursed by social security, and hospitalization medical insurance can be a good reimbursement for this medical expense other than social security. At present, Chinese Life Insurance has a hospitalization medical insurance of 6.05 million, a maximum of 3 million for inpatient medical treatment for ordinary accidental diseases, a maximum of 6 million for inpatient medical treatment due to malignant tumors, and a daily hospitalization subsidy of 200, and the annual deductible is only 10,000! It can provide us with comprehensive protection against high medical expenses!

Is it necessary to buy hospitalization medical insurance?

Q: I just found out that I am sick and need to be hospitalized, and I want to buy medical insurance to go to the hospital. Answer: Seriously ill hospitalization, there is medical insurance, up to 80%, buy insurance, see you to buy life insurance, in the insurance company can ask the handler, specific things, to pay fees, ask: buy pension insurance need to buy hospitalization medical A: buy endowment insurance, can only solve the basic living expenses of your old age, hospitalization medical care can only pay out of your own pocket, in order to avoid the risk of hospitalization, you should buy hospitalization medical insurance.

Q: How long does it take to be hospitalized to be reimbursed for the medical insurance bought in Chengdu Answer: General medical insurance has a waiting period, 90 days for minor illness medical treatment and 180 days for major illness medical treatment.

Recently, many netizens are asking what medical insurance is worth buying, you can take a look at this comparison table of domestic hot-selling medical insurance products, which one is worth buying, you can understand at once:"Domestic Popular Medical Insurance Competition".

Generally speaking, it is best to buy medical insurance first and then buy commercial medical insurance. Medical insurance is the most basic guarantee, and the biggest feature is that the insurance requirements are low and cheap. Commercial medical insurance is a supplement to medical insurance, which includes some items outside the scope of medical insurance reimbursement, such as imported drugs, high-end ** 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

Million medical insurance is suitable for most people, because it has a high reimbursement amount, ** is also very cheap, and there is no limit on the reimbursement of diseases, the premium is only a few hundred yuan a year, but the protection is millions, more value. Not only that, the million medical insurance guarantee content is also very comprehensive, such as bed fees, nursing fees, surgery fees, drug costs, material costs, etc., can be reimbursed.

Next, let's give you an analysis of several popular million-dollar medical insurance:

Combined with ** can be known.

(1) Good medical insurance:Its 6-year guaranteed renewal is one of the best renewal conditions available. You can renew your policy for a period of 6 years, regardless of whether you have already made a claim, your health condition has changed, or the product has stopped being sold.

(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 adds a value-added service: international second diagnosis and treatment. You can get professional written medical advice from international doctors.

From the above content, it can be seen that each product has its own highlights, and when purchasing, you should choose according to your own needs.

In addition, there are many cheap and high-quality million medical insurance products, you can take a look at the original article, which has a more detailed evaluation and analysis:"10 Popular Medical Insurance Plans to Buy".

2. Hospitalization medical insurance

The main features of this type of medical insurance are low deductibles and low reimbursements. This type of insurance is mainly used to reimburse outpatient clinics, and the suitable people are mainly young babies or older people. Because children and the elderly have weaker body immunity and are more likely to be infected by viruses and bacteria and catch a cold and fever, they have more effects on buying this insurance.

3. Cancer prevention medical insurance

Because the maximum age of medical insurance is about 60 years old, the older ones cannot be insured, and they can be insured for cancer prevention medical insurance.

Cancer insurance has a narrower coverage and only covers the cancers specified in the contract. It is very suitable for people who are older or not in good health.

This kind of ** is greatly affected by physical fitness and age, here are some more worth buying, ** relatively low cancer prevention medical insurance, interested in you can take a look:"Great value! Cost-effective cancer prevention medical insurance products