Affordable health insurance, what are the benefits of buying health insurance

Hello! At present, there are many affordable health insurance products in the market, such as Fosun Prudential Guardian Type A Female Breast Cancer Critical Illness Protection Plan, WiseBaby Critical Illness Protection Plan, and Cancer Prevention Insurance. Among them, the minimum of "Liren Guardian A paragraph" is only 50 yuan, and the maximum is only 150 yuan, and you can choose the protection amount ranging from 100,000 yuan to 300,000 yuan; The minimum amount of "Huize Baby" is 100,000 yuan, and the maximum insurance is 500,000 yuan, which is only 199 yuan; The amount of insurance for cancer prevention is 1-100,000 yuan, and the premium is 10-100 yuan, which is also very cheap.

In addition, there are many good and affordable health insurance products on the Internet, which you can check out. If you apply here, you can also get a discount of at least 15%.

Hello: Pacific Company's Jinyou Life has low premiums and high protection, which can cover 60 kinds of serious diseases and 12 kinds of mild diseases, and has five major functions: illness protection, life protection, old insurance, insurance increase and exemption, which is very worth having.

Taiping Life's Blessing in This Life or Welfare Health+ are both suitable.

Hello, Xinhua's health is worry-free, with low payment, high protection and wide range of diseases. Welcome to consult.

Health insurance can be divided into medical insurance, critical illness insurance, nursing care insurance, and income loss insurance.

In China, there are more medical insurance and critical illness insurance, and the role of income loss insurance can be compensated by critical illness insurance.

There are many classifications of medical insurance and critical illness insurance, and the suitable groups of people are different, and the premiums will not be high, so you have to choose the right type of insurance according to your actual situation and needs.

Chinese Life's Corning and cancer prevention insurance was rated as the first health insurance for the people.

Ping'an's Ping'an Fu and Xinsheng are good.

Taikang Life Care, find out.

Taikang Life Insurance Male All-round Insurance for Women Healthy Life.

Pacific Insurance's Golden Life.

China Life Insurance's evergreen tree is the best choice.

Hello, the Chinese life of Kang live for life.

Ping An Life's universal insurance and Ping An Fu.

Taiping's health benefits plus, won the most cost-effective products.

Pacific Insurance's Jinyou has a private chat.

Hello! Nowadays, there are many products from major insurance companies, and many of them are often customers who have bought insurance that is not suitable for them, and I will make an insurance plan for you according to your specific situation! Add.

Health insurance depends on the circumstances of the insured.

According to the actual situation of the insured, we will introduce you to a most suitable type of insurance.

How old is the insured?

Insurance is all about your needs.

Health insurance, also known as "sickness 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.

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

Health insurance is very good, we must first consider buying health insurance, but we should choose health insurance that suits us. Medical insurance and critical illness insurance in general health insurance are indispensable, critical illness insurance as a benefit-type product, diagnosed diseases or certain claim conditions can be claimed, medical insurance, can be reimbursed for our medical expenses, can greatly reduce the pressure on our medical expenses.

Everyone's economic situation, family background, physical condition, and brand preferences are different, and only by combining products and their own circumstances can you choose the most suitable health insurance for yourself.

Extended Information,:

The meaning and role of health insurance.

1. The significance of health insurance.

Insurance can play a major role in risk management, allowing yourself to prevent before the risk, rescue during the risk, and compensate after the risk. Also, buying insurance is not about spending, it's about moving money from your left pocket to your right pocket. It's not about making money, it's about reducing accident and illness losses and passing on risks.

Second, the role of health insurance.

In addition to passing on the risk of disease, insurance can also provide for the elderly, although raising children to prevent old age is the traditional pension idea of the Chinese, but the times have changed. With the price of housing **, people are already anxious to repay loans and living expenses, why should we increase the burden on the next generation. Therefore, if you want to live with dignity when you are old, the insurance can at least guarantee us a **, so that we can receive a pension fee every month.

In addition, with a policy, you have a commitment to supervise the operation of the insurance company, a commitment to honor the covenant of the insurance company, a commitment to help each other among all policyholders, and a commitment to the insurance company's lifelong professional service.

What is health insurance?

Health insurance is a kind of life insurance that takes the person's body as the subject matter and compensates for the expenses or losses incurred when the insured will face illness or accident. Common health insurance companies include critical illness insurance and medical insurance.

1. Critical illness insurance.

Critical illness insurance refers to the commercial insurance behavior handled by the insurance company that takes specific critical diseases, such as malignant tumors, leukemia, etc., as the insurance object, and when the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent. According to the protection period, it can be divided into term critical illness insurance and whole life critical illness insurance, which is suitable for people with different budgets.

2. Medical insurance.

Medical insurance refers to the insurance that provides protection for the medical expenses of the insured during the period of diagnosis and treatment in the event of medical treatment as agreed in the insurance contract. To put it simply, the insurance that can be paid for outpatient or hospitalization by the insured is an insurance product that reimburses and compensates the expenses incurred by the insured in the hospital, such as small hospitalization medical insurance, million medical insurance, high-end medical insurance, and hospitalization allowance insurance.

1. Types of health insurance.

Health insurance is divided into sickness insurance, medical insurance, income protection insurance, etc.

Health insurance is divided according to the payment method, which can generally be divided into three types:

1. Benefit, the insurance company pays the insurance money to the insured in accordance with the provisions of the contract when the insured suffers from the disease or the situation agreed in the contract occurs. The amount of the insurance benefit is determined, and once the diagnosis is confirmed, the insurance company pays a lump sum according to the amount of insurance stated in the contract. Critical illness insurance, etc., sold by various insurance companies is a benefit type.

2. For reimbursement type, the insurance company will reimburse the medical expenses according to the actual expenses of the insured according to the proportion agreed in the insurance contract. For example, hospitalization medical insurance, accidental injury medical insurance, etc. are reimbursement types.

3. For the subsidy type, the insurance company will pay the insurance money according to the actual number of days of hospitalization and surgical items of the insured. Benefits are generally calculated on a daily basis, and the total amount of benefits varies depending on the number of days spent in the hospital and the type of surgery. For example, hospitalization medical subsidy insurance and hospitalization insurance are subsidized types.

2. Which is the best health insurance?

1. No one can say which product is the best, only the one that suits you is the best.

2. Generally look at insurance, pay attention to: first, to understand the company, second, to choose the best to buy, third, to study the terms, to sail and tease the fourth, to pay carefully, fifth, to choose the type of insurance, sixth, to consider responsibility, seventh, to consider protection, eighth, to make their own decisions.

3. It is recommended not to blindly trust others, buy insurance, be sure to follow the trend according to your own situation, be optimistic about the terms, and don't regret it when the time comes.

3. How to buy health insurance?

1. The basic sum insured should be appropriate, depending on the physical condition, family medical history, and the nature of the work. The trick to purchasing health insurance properly is also to know how much medical care will cost if you have a current illness.

2. The policy should be adjusted according to the actual situation. Every three to five years, people should pay attention to opening their own insurance policy to check whether it is necessary to increase the sum insured, and make some appropriate adjustments according to changes in family members and financial situation.

3. It is better to buy long-term insurance than to buy annual insurance. Long-term health insurance is generally paid evenly every year at the rate corresponding to the year you start the insurance. The younger the policyholder, the lower the premiums to be paid.

4. It is better to pay the premium annually. Although there will be some ** discounts on the one-time payment, it is better to pay the premium of health insurance annually.

Health insurance, abbreviated as health insurance, refers to insurance in which the insurance institution pays compensation when the insured person suffers from illness. It mainly includes disability income loss insurance, medical insurance, nursing insurance, illness insurance, medical accident insurance, etc. Health insurance usually covers medical expenses, loss of income, funeral expenses, and testamentary living expenses.

This kind of insurance is mostly co-organized with injury insurance, and it can also be co-operated with life insurance. In order to prevent moral traps, when applying for health insurance, a trial period is usually stipulated, and the insurer is liable to compensate the insured for the losses caused by illness after this period.

1. Sickness insurance: When the insured has any disease within the scope of the contract, the insurance unit will pay according to the insured amount regardless of whether there are medical expenses or whether the medical insurance reimburses or not;

2. Medical insurance: medical expense insurance, when the insured has medical expenses within the insurance coverage, the insurance institution will reimburse and pay according to a certain proportion according to the contract;

3. Disability insurance: income loss insurance or income protection insurance, which is the type of insurance that compensates for the loss of income and property caused by the inability of the insured to work;

4. Nursing care insurance: When the insured has a living disability within the scope of the contract and causes nursing expenses, the insurance company will provide compensation.

Health insurance is an insurance that protects the physical health of the insured and helps us solve the huge expenses of the insured. Health insurance generally covers medical expenses, financial losses, funeral expenses and living expenses of relatives. In order to prevent moral hazard, when applying for health insurance, the insurer usually stipulates a trial period, and the insurer is liable for compensation for the losses caused by illness after the insured's repentance during this period.

The types of health insurance are divided into medical insurance, sickness insurance, disability income loss insurance, nursing care insurance, and medical accident insurance according to the insurance terms. According to the payment method, it is divided into payment type, reimbursement type and allowance type. Health insurance takes personal health as the insurance target, so in order to reduce the risk of claims, there are often relatively high standards for the physical condition of the insured, and the threshold for purchasing insurance is relatively strict. People with serious illnesses and a history of claims often find it more difficult to apply for insurance.

Most of the medical insurance is a one-year product, buy a one-year insurance for one year, and the next year's renewal needs to review the physical condition before the acre, if the health state is red light, or the age is exceeded, then the renewal will have a relatively large risk. Therefore, when you choose a product, you must pay attention to whether it can guarantee the renewal of the warranty, which determines whether we can obtain stable protection.