I want to buy personal commercial medical insurance, but I don t know how to buy it

Hello, individuals to buy commercial medical insurance must be based on the individual's actual age, physical health, gender and other aspects of a comprehensive analysis, only to buy a suitable personal commercial medical insurance is a good and cost-effective commercial medical insurance, here it is recommended that you best combine the actual situation of the individual to the insurance company to compare and choose, here to provide you with a reference link.

How to buy commercial medical insurance).

Xueba talks about insurance, focusing on insurance evaluation! Here's a comparison table of the latest medical insurance products:"Super Complete! Comparison Table of Popular Million Medical Insurance in China

So that you can better understand medical insurance.

The best way to buy medical insurance is to give priority to buying millions of medical insurance, and a few hundred yuan can enjoy the protection of millions of insurance amounts, which is very satisfying. It also has a very comprehensive coverage, including surgery fees, anesthesia fees, hospitalization fees, examination fees, and so on.

When purchasing million-dollar medical insurance, it is not only necessary to look at the basic content such as protection liability, **, exemption clauses, renewal clauses, etc., but also to look at the "stability of sustainable insurance".

It should be noted that medical insurance can only be purchased for a short period of time, and some people apply for insurance in the first year and go smoothly, but when they want to buy it again in the second year, they cannot renew the insurance because of some minor physical problems within the year. Medical insurance like these has a big deficiency in renewal:"When encountering these medical insurances, please be careful and be careful!

The stability of sustainable insurance, to put it bluntly, is to see if the product will be discontinued, which only the insurance company itself knows. Generally speaking, you can refer to these aspects: whether the sales volume is large, whether there are enough healthy individuals to join, how competitive it is, the market strategy of the insurance company, and so on.

In addition, as an additional reminder, most products, for people who have not purchased social security, the premium is usually more expensive, so social security is well paid

That's the end of mine, I hope it will be useful to you.

You can find out about the types of life insurance or health insurance. All are consumer-oriented. If no claims occur within one year, the money is non-refundable.

How can individuals purchase commercial medical insurance? Nowadays, the world's temperature is warming, air pollution is serious, and the probability of getting sick is getting higher, and more and more people are paying attention to commercial medical insurance, but there are many types of commercial medical insurance, and if you don't know, there will be disputes when you request it. How can individuals purchase commercial medical insurance?

Commercial medical insurance refers to the contract behavior of commercial insurance organizations according to the medical insurance contract, taking the human body as the protection object, claiming insurance premiums from the policyholder, establishing insurance, and paying insurance premiums for the loss of medical expenses due to the occurrence of medical accidents agreed in the contract. The policyholder pays five insurances and one housing fund according to the contract, and in case of critical illness, he can get a certain amount of medical expenses from the insurance company. Individuals need to master when purchasing commercial medical insurance.

1. Hospitalization medical insurance is preferred. Industry insiders said that the medical insurance of commercial medical insurance is mainly outpatient medical insurance and inpatient medical insurance, of which inpatient medical insurance is more important, so policyholders can give priority. This type of insurance is responsible for the medical expenses incurred by the insured when he or she needs to be hospitalized due to illness or accidental injury**, and can be paid by compensation or fixed payment, and the term is generally 1 year, and the insurance needs to be re-insured after 1 year.

2. Try to choose insurance with continuous insurance function. Relevant personnel in the insurance industry have noticed that many insurance varieties in the current market do not continue to insure themselves, especially after the compensation occurs at that time, and if they want to continue insurance in the next year, Kaishi Insurance Company may increase the insurance premium and refuse to insure it. Therefore, when purchasing hospitalization medical insurance, it is best to choose the ongoing insurance feature.

Secondly, in the form of paying insurance premiums, it is divided into cost-based medical insurance and fixed-payment medical insurance. The compensation of the insurance premium of the former is mainly based on receipts, and the compensation amount is generally lower than the actual cost, and the latter is compensated according to the insurance amount agreed in advance. Therefore, the amount of the insurance company's claim may be higher or lower than the actual expenditure, the insured can pay for nutrition, overwork, boat, companionship, and nursing care, and the claim procedure for fixed-payment medical insurance is generally simple, and the claim dispute is not easy to occur.

3. The sooner you buy commercial medical insurance, the more cost-effective it is. Thirdly, when purchasing commercial medical insurance, the policyholder must know that there is an age limit for medical insurance. For commercial health insurance, insurance companies have different regulations on the minimum age for insurance.

Generally, the different types of insurance vary from 90 days after birth to 16 years old, but the maximum age limit for insurance is about the same, generally not exceeding 65 years old. The older you are, the higher the insurance premium, so it is recommended to pay attention to the plan to purchase insurance.

Everyone will inevitably get sick at some point, and sometimes, even if we have purchased social health insurance, however, large medical expenses often exceed the ability of social security to reimburse, at this moment, if we have a commercial medical insurance can make our medical expenses more compensated. So, how to buy personal commercial medical insurance? See below for details.

How to buy personal commercial medical insurance?

1. To understand the types of commercial medical insuranceGenerally speaking, commercial medical insurance has reimbursement insurance for minor and moderate illnesses and hospitalization medical expenses; There is an allowance insurance that subsidizes the loss of income during the hospitalization of an illness. For the occurrence of critical illness, there is also critical illness insurance that pays insurance benefits.

2. To understand your own protection needs, and then buy on demandIn general, it is recommended that you first improve critical illness insurance, because compared with ordinary medical expenses, the cost of serious illness is often huge.

3. To buy commercial medical insurance, you should pay attention to the principle of appropriate amount, and you should pay attention to determine the amount of insurance based on your actual needs and ability to pay. If the sum insured is too low, the insurance will not be able to provide protection, and if it is too high, it will exceed your ability to pay and may not be able to pass the insurance company's underwriting.

4. Commercial medical insurance, it is recommended to buy as soon as possible, because the younger the age, the lower the possibility of getting sick, the cheaper the relative premium, and at the same time, it is easy to pass the underwriting of the insurance company, and the easier it is to start the insurance.

5. When buying commercial medical insurance, it is best to open your own insurance policy every three or five years to check it and make some appropriate adjustments according to the changes in family personnel and income status.

6. You should try to choose the payment method with a long payment period, because the payment period is long, although the total amount paid may be slightly more, but each payment is less, which will not bring too much burden to the family, plus interest and other factors, the actual cost is not necessarily higher than the payment method of one-time payment. Notes:

1. Buying commercial medical insurance is not to cover as many diseases as possible, the key is to keep your needs within the scope of protection and targeted.

2. Read the insurance terms clearly, and ask clearly in time if you don't understand the key points.

3. Pay attention to truthfully inform your physical health, and sign it by yourself after reading it clearly.

To buy your own medical insurance, you can generally buy it in the following ways:

One: If you buy commercial medical insurance, then you can generally bring your ID card to the insurance company to buy. Or you can also buy it through the official website of the insurance company, the insurance company***, the insurance brokerage platform and other online channels, taking the purchase of commercial medical insurance in Ping An Insurance Company as an example:

You can click "***" in the "Contacts" section of WeChat, and then click "....symbol, click "Add***" and search for "Ping An Insurance", and click to enter after following "Ping An Insurance".

2.Click on "Buy Insurance";

Find "Buy Insurance" in the menu bar and click on it.

4.Click on "Insurance";

Find the "Insurance" section at the bottom of the page and click to enter.

5.Click on "Medical";

Find the "Medical" section at the top of the page, click to enter, you can see the medical insurance products of Ping An Insurance, select the medical insurance product that suits your protection needs, and click to enter the insurance.

Two: If you buy basic medical insurance, then you can generally buy it for yourself by the enterprise unit where you are located; Or you can also bring your ID card and household registration book (in some areas with a local residence permit) to the local social security service center to purchase flexible employment social security; In addition, you can also buy medical insurance for urban and rural residents in the place where you are registered, but there is a fixed payment period for urban and rural residents every year, and if you miss the payment period, you can only wait for the next year to buy it. In addition, if you buy urban and rural residents' medical insurance or flexible employment medical insurance, you can also buy it on **, for example, you can pay it on the local social security official app, local social security official applet, Alipay, WeChat or other online channels, taking Hunan people paying urban and rural residents' medical insurance or flexible employment medical insurance on WeChat as an example:

1.Click on "Me";

2.Click on "Services";

After selecting "Services", click Enter.

3.Click on "City Service Celebration Kaiwu";

Click on "City Services" in the "Life Services" section.

4.Click on "Social Security Comprehensive";

In the "Popular Services" section, click to enter "Social Security Comprehensive".

5.Click on "Hunan Social Security Payment";

What people in different regions see varies from region to region, but you only need to find the words "Social Security Payment" to click to enter.

6.Select the entrance of medical insurance payment;

You can choose the entrance of "Medical Insurance Payment for Urban and Rural Residents", "Medical Insurance Payment for Flexible Employment", and "Mutual Medical Payment for Serious Illness" to enter.

<> ways to purchase medical insurance are:

1. The employee shall pay the basic medical insurance premium by the employer in accordance with the provisions of the state;

2. If an individual industrial and commercial household without employees participates in the basic medical insurance for employees, the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state;

3. The basic medical insurance for urban residents implements a combination of individual payment and subsidy.

Legal basis. Article 23 of the Social Insurance Law of the People's Republic of China.

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 national socks rental banquet.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexibly employed persons can 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.

Article 25 of the Social Insurance Law of the People's Republic of China.

The State shall establish and improve a basic medical insurance system for urban residents.

The basic medical insurance for urban residents implements a combination of individual payment and subsidy.

Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be subsidized by **.