Do you know what are the characteristics of a good health insurance?

The better health insurance on the market mainly includes critical illness insurance and million-dollar medical insurance, among which the characteristics of good critical illness insurance are complete coverage, relaxed insurance conditions, multiple choices of insurance amounts, and multiple claims protection for high-incidence critical illnesses; The characteristics of a good million medical insurance are a short waiting period, a wide range of insurance ages, a reimbursement ratio of 100% of social insurance, and relaxed renewal conditions.

1. Precautions for buying critical illness insurance.

In addition to knowing what a good product looks like, we should also know that critical illness insurance can help us transfer the economic risk caused by critical illness, so the amount of insurance is also quite particular, generally in the case of affordable premiums, the amount of critical illness insurance should best cover 3-5 years of ** and recuperation expenses, as well as loss of income, etc., in other words, the amount of critical illness insurance is best to be 5 times the annual expenditure of the family, and the corresponding premium should be controlled within 10% of the family income.

Seeing this, there are friends who want to buy critical illness insurance but don't know how to choose the amount of insurance to be reasonable, so you can take a look at this article written by the senior sister before: How much insurance is appropriate? Let's talk about the doorway inside.

2. Precautions for buying million-dollar medical insurance.

Since the protection period of most million medical insurance on the market is 1 year, the renewal issue is the point that everyone should pay special attention to, and it will be better if the product provides guaranteed renewal, such as Ping An e-Life Insurance Long-term Medical Guarantee Renewal for 20 years, Fosun United Beyond Insurance 2020 Medical Insurance Guaranteed Renewal for 6 years, etc.

If we do not provide a million medical insurance product with guaranteed renewal, then when we have an accident or change in our body during the coverage period, or even encounter the corresponding product discontinued, then we want to renew the policy again, it is likely that the insurance company will refuse to renew the policy.

Taking critical illness insurance in health insurance as an example, a better critical illness insurance should have.

The features include severe, moderate and mild illness protection, additional compensation, multiple claims for high-incidence critical illnesses, and so on.

Some critical illness insurance only covers critical illness and mild illness, but does not cover moderate illness, but the claim threshold for moderate illness is lower than that of major illnesses, so if you provide moderate illness protection, you can increase the probability of receiving compensation to a certain extent.

<> according to this criterion, the one selected is definitely a good health insurance.

Health insurance for the elderly is a better health insurance, on the one hand, because it is targeted, is a protection plan specially designed for the elderly, mainly reflected in fractures and joint dislocations, traffic accident injury protection, because this is a special protection item in addition to the basic accidental injury, accidental medical treatment, and allowance. Especially fractures and joint dislocations, we must know that our people as a whole are more seriously deficient in calcium, and the daily calcium intake is less than 50% of the demand, and with the growth of age, the osteoporosis caused by calcium deficiency will be more obvious, so fractures and joint dislocations have become one of the most common accidents for the elderly. This senior health insurance offers this exclusive protection, which is rare among existing insurance products.

There is a wealth of insurance information and high-quality insurance products.

It is said that it is a better health insurance, on the other hand, because the insurance amount is higher, the accidental death and disability insurance amount is 100,000 yuan, and the traffic accident double payment insurance amount is also 100,000 yuan, and the protection is very in place. Therefore, on the whole, it is very suitable to insure the elderly and choose the health insurance for the elderly.

a) In terms of the duration of insurance. With the exception of individual health insurance, such as critical illness insurance, the vast majority of health insurance plans are usually short-term contracts with a one-year term.

2) In terms of premium calculation. When setting premiums, health insurance mainly considers the impact of illness rate, disability rate, and duration of illness (disability) on the eventual loss. In addition to these factors, factors such as waiting period, deductible, deductible, payment method, and payment limit will also affect the final premium.

3) In terms of compensation. Different health insurance plans have different payout principles. Expense compensation health insurance will make a compensatory payment at the time of payment, and the final amount of compensation is related to the actual loss of the insured.

In the case of fixed-payment health insurance, there will be no compensatory payment at the time of payment, and the amount of compensation has nothing to do with the actual loss of the insured.

4) In terms of operational risks. Since health insurance covers illness and injury, this makes health insurance subject to greater moral hazard. At the same time, health insurance has no control over the actual losses of the insured, which are determined by the medical provider.

It is difficult for insurance companies to control the specific medical expenses of the insured.

v) In terms of insurance contracts. Because the risks faced by health insurance are both difficult to control and difficult to **. Therefore, there are many restrictive and restrictive clauses in the insurance contract of health insurance.

Health insuranceIt is a kind of life insurance that takes the body of the insured as the subject matter of insurance, so that the insured can be compensated for the expenses or losses incurred by the insured when the injury caused by illness or accident.

What are the features of health insuranceHealth insurance is actually a type of insurance that focuses on the physical health of the insured.

For example, the common critical illness insurance and medical insurance are a type of health insurance.

However, many people will confuse critical illness insurance with million medical insurance, so let's give you the difference between million medical insurance and critical illness insurance.

First of all, critical illness insurance is diagnosed to pay a fixed amount of insurance, and some of the diseases covered by it must be ** or meet the conditions agreed in the contract to pay.

The amount of compensation is determined according to the amount of insurance agreed in the contract, and has nothing to do with the cost of **, which is a benefit-type insurance.

And if you use the insurance money for treatment or other purposes, the insurance company can't control it.

The main function of critical illness insurance is to prevent the family from falling ill due to the breadwinner of the family, and the income is interrupted, which will lead to the family entering an economic crisis.

Critical illness insurance is also one of the most complex restrictions in health insurance.

It is precisely because of this that the Insurance Association of China has made a unified definition of critical illness.

It defines 6 diseases that must be covered by critical illness insurance, 19 diseases that can be selected, and a total of 25 categories.

They are the following:

The 6 types marked in red are the diseases that must be covered by critical illness insurance stipulated by industry associations.

The following is the million medical insurance, the role of the million medical insurance is to reimburse the outpatient medical and inpatient medical expenses caused by illness or accident, which is a reimbursement type of insurance, and there is a limit.

Some of the better million medical insurance also contains some practical features, such as medical expense advance, green channel for medical treatment, etc.

Mr. A took out a critical illness insurance with an insured amount of 500,000 yuan, and unfortunately suffered from acute myocardial infarction after half a year, and the insurance company paid a lump sum of 500,000 insurance benefits, which Mr. D can use freely for treatment or daily expenses in the future.

Mr. B purchased a million medical insurance, and was unfortunately diagnosed with end-stage renal disease half a year later, and spent a total of 400,000 yuan at the end of the ** period, and the medical insurance has reimbursed 200,000 yuan, and the million medical insurance can reimburse the remaining 200,000 medical expenses.

Based on this example, you should be able to distinguish the difference between critical illness insurance and medical insurance.

Insurance is to save one mushroom for yourself every day when you are not sick, and you don't have insurance. Because I feel sorry for money. I think that money can do a hundred things.

When I was sick, I wanted to take out insurance, but the reason was that I was worried about money. Because you are not willing to give a lifetime of hard-earned money to the hospital. We may not be able to change our lives, but we can configure health insurance without being changed by our lives!

1) The duration of the insurance.

With the exception of critical illness insurance such as HealthCare, most health insurance, especially medical expense insurance, is often a short-term contract with a one-year term.

2) Actuarial techniques.

The pricing of health insurance products mainly takes into account the rate of illness, disability, and duration of illness (disability). The calculation of the health insurance premium rate is based on the loss rate of the insured amount, and the unexpired liability reserve at the end of the year is generally deposited at a certain percentage of the premium income of the current year. In addition, the waiting period, the deductible, the co-payment ratio and payment method, and the benefit limit will also affect the final rate.

3) Health insurance benefits.

As for the question of "whether the principle of compensation is applicable to health insurance", it cannot be generalized, and the application of this principle to cost-based health insurance is a compensatory payment; Fixed-benefit health insurance does not apply, and the payment of insurance benefits is not related to actual losses.

4) The particularity of business risks.

Health insurance deals with the risk of injury and illness, and its influencing factors are far more complex than life insurance, and adverse selection and moral hazard are more serious. In addition, the risk of health insurance also lies with the medical service providers, who are largely determined by the amount and amount of medical services, and it is difficult for the insurance company as the payer to control it.

5) Cost allocation.

Because health insurance has the characteristics of high risk, difficult to control and difficult to control, therefore, in health insurance, the insurer's liability for the payment of medical insurance benefits for illness often has many restrictions or restrictive clauses.

6) The particularity of the terms of the contract.

There is no need to designate a beneficiary for health insurance, and the insured and beneficiary are often the same person.

In addition to the indefensibility clauses, grace period clauses, and non-loss of value clauses of general life insurance, some special clauses are also used in health insurance contracts, such as pre-existing status clauses, conversion clauses, coordinated payment clauses, medical examination clauses, deductible clauses, waiting period clauses, etc.

7) Exclusions from health insurance.

Health insurance exclusions generally include sickness, death, and disability caused by war or military operations, intentional suicide or attempted suicide, and illness, disability, miscarriage, death, etc., resulting from abortion.

Hello, we are glad to answer for you, health insurance, referred to as health insurance, mainly includes medical insurance, sickness insurance, disability income loss insurance, nursing care insurance and medical accident insurance.

It refers to life insurance in which the insurer pays the insurance money to the insured when the insured suffers from physical illness. Health insurance usually covers medical expenses, loss of income, funeral expenses, and living expenses for survivors.

This type of insurance is mostly combined with accident insurance, and some are combined with life insurance. In order to prevent moral hazard, when applying for health insurance, the insurer usually stipulates a trial period, and the insurer is liable for the loss caused by the illness of the insured after this period. [1]

Each product has its own selling points, and you have to be specific to the product.

Hello! Health insurance is divided into medical insurance and critical illness insurance, with the following characteristics:

1. Compensatory health insurance: For example, medical insurance is a cost-compensatory health insurance.

2. Fixed payment type: For example, critical illness insurance belongs to the fixed payment type.

3. Waiting period: The number of days of the waiting period varies. If the insurance is out during the waiting period, the insurance company is not responsible for paying the insurance money.

4. Deductible: General medical insurance has a certain deductible, and the insurance company that spends more than the deductible will pay the compensation in proportion.

1. What are the types of health insurance?

The so-called health insurance means that the policyholder cannot ** what will happen to him in the future, so he guarantees his interests through this insurance. Once during the insurance period, the insured has related problems, at this time he will be compensated by the insurance company in some cash. In contemporary society, health insurance is also favored by most people.

So what exactly are the classifications of health insurance? The first category of health insurance is medical insurance, followed by sickness insurance, disability income loss insurance, and nursing care insurance.

Health insurance is divided into medical insurance and critical illness insurance, which has the following characteristics:

1. Compensatory health insurance, such as medical insurance, is a cost-compensatory health insurance;

2. Fixed-amount payment type, for example, critical illness insurance belongs to the fixed-amount payment type;

3. Generally, there is a waiting period, and the number of days of the waiting period varies from days to days. If the insurance is out during the waiting period, the insurance company is not responsible for paying the insurance money.

Fourth, the deductible, the general medical insurance has a certain deductible, and the insurance company that spends more than the deductible will pay the compensation proportionally.

Key features include:

The disease is caused by non-obvious external causes;

2) The disease is caused by non-congenital causes;

3) It is basically caused by non-permanent reasons;

4) The insurance period is mostly one year;

5) The payment of insurance money is fixed and determined by the actual amount;

6) The underwriting conditions are strict, and there is an observation period (mostly half a year).

At present, there are many types of insurance in China, and there are many brands of each insurance, especially at present, the brand of insurance is divided into many types, such as medical insurance, health insurance, sunshine insurance, etc. Next, let's talk about health insurance.

1. Health insurance.

Health insurance is referred to as health insurance, which mainly includes medical insurance, illness insurance, loss of disability income, insurance, nursing insurance and medical accident insurance, etc., generally refers to the life insurance that the insured pays the insurance money to the insured when the body is sick, and the payment scope of health insurance usually includes medical expenses and income loss, funeral expenses and testamentary living expenses. In order to prevent moral hazard or apply for health insurance, the insurer usually stipulates that the first returnee will be covered by social insurance**, and the insurer shall be liable for compensation for the loss caused by the illness of the insured after that. Therefore, health insurance is still relatively reliable.

2. Types of health insurance insurance.

There are many types of health insurance, at present, the types of health insurance are divided into medical insurance, income protection insurance, long-term care insurance, but medical insurance includes, general medical insurance, hospitalization insurance, surgical insurance, comprehensive medical insurance, income protection insurance should include the payment method payment period and the time limit of the exemption period, among which the diseases in the income protection insurance are divided into complete disability, disability and other payment types, and finally include long-term care insuranceIt is only the scope, including medical care, intermediate care, nursing care, and home care, and the scope of compensation and insurance is different for each level.

3. How to choose.

In fact, according to the selectivity of the insurance are more types of insurance, especially health insurance, these kinds of insurance, can be judged according to their own occupation and life, if you feel that you are usually busy with work, and it is not very complicated, only occasionally there is a small illness and pain hospitalization, then you can choose the medical insurance in the health insurance, if you feel that you usually appear in a high-risk occupation, or often have the risk of illness or disability, at this time you can buy input protection insurance, this is also more understandable. Of course, there are other cases where you can also buy other insurance.