How to choose medical insurance, how to choose the right medical insurance?

Xueba talks about insurance, focusing on insurance evaluation! Before talking about medical insurance in detail, you can understand the basic situation of domestic medical insurance by reading this **:"Super Complete! Comparison Table of Popular Million Medical Insurance in China

If you need to buy medical insurance products, it is recommended that you give priority to buying millions of medical insurance, and you can enjoy the protection of millions of insurance amounts for a few hundred yuan, which is very satisfying. In addition, it has a thoughtful and flexible insurance content, such as surgery fees, anesthesia fees, examination fees, material fees, etc.

When we buy million-dollar medical insurance, there are several points that we must pay attention to - "protection liability,**, exclusion clauses, renewal clauses, and stability of sustainable insurance".

Medical insurance can only be purchased for short-term protection, which requires extra attention, so there may be a situation where the first year of insurance goes smoothly, but the second year is rejected because of some minor physical problems. For example, the following medical insurance, in the renewal, there are more moths:Embankment!

When encountering these medical insurances, avoid them immediately! 》

The stability of sustainable insurance is, simply put, whether the product will be discontinued, and no one can make an accurate judgment except for the insurance company. Usually these points can help us make judgments: whether there are many people buying, whether there are enough healthy people joining, whether the pricing is reasonable, the market strategy of the insurance company in recent years, and so on.

Mine is finished, I hope it will be used for you.

It is recommended to give priority to critical illness insurance, and general medical insurance can choose the hospitalization allowance category.

Medical insurance should be based on health notices, reimbursement coverage, deductibles.

and reimbursement ratios.

Health notice, that is, the more relaxed the health notice, the easier it is for the insured to pass the underwriting, and the more convenient it is to renew the policy; The scope of reimbursement means that the wider the scope of reimbursement, the better, and the medical insurance that is not limited to social security reimbursement can reimburse more medical expenses; The deductible is the part that the insurance company does not pay, and the smaller the deductible, the more compensation you can get; The reimbursement ratio means that the higher the reimbursement ratio, the better, and the reimbursement ratio of high-quality medical insurance on the market can reach 100%.

Most high-cost medical insurance has a deductible of around 10,000 yuan, and medical insurance** without a deductible is usually very high. Generally speaking, medical insurance with deductibles** is lower, and medical insurance without deductibles** is higher, about 3 times higher than that of Qiming. Basic medical insurance.

It is a social insurance system established to compensate workers for economic losses caused by the risk of illness. Establish medical insurance through employer and individual contributions**.

After the insured person incurs medical expenses for medical treatment, the medical insurance agency will give certain economic compensation.

In order to avoid or alleviate the economic risks caused by illness, **, etc.

Buying insurance must be suitable for yourself, each product has its purpose and role, and the products that are suitable for others may not be suitable for you. As mentioned earlier, there are many classifications of commercial insurance, and here is another one:

Category 1: Low sum insured, low deductible, that is, general medical care, commonly known as small medical care.

Product features: Due to the low insurance amount, this type of product is generally between 1 and 50,000 yuan. Since there is no deductible, you can be reimbursed as long as you are hospitalized.

Applicable population: This kind of product has a very high probability of claims, and it can be bought for a year, which is only a supplement to social security, and solves the problem of small medical risks.

Category 2: High sum insured, high deductible, which is what most people call million-dollar medical treatment.

Product features: This type of high-cost hospitalization medical insurance is popular in the market, and the general insurance amount starts from several million. This type of insurance has a deductible of 10,000 yuan, so it filters out most of the medical expense claims, so it is not expensive.

Suitable for: It may be a little expensive to buy for children aged 0-4, and it will cost about 300 yuan for a 30-year-old man, and it can also be purchased for the elderly.

Category 3: Other medical insurance.

High-end medical insurance: If you want to seek medical treatment in the special needs department of public hospitals and private hospitals, you can choose high-end medical insurance, which can improve the medical experience; Overseas medical insurance: If you want to go overseas for medical treatment, you can purchase overseas medical insurance.

It is recommended that you ask yourself a question before choosing a product, what problem do you want to solve through medical insurance? Only when this problem is solved, can the corresponding product be selected.

There are also the following points to focus on:

1. Pay attention to the renewal conditions.

As we mentioned earlier, there is no product on the market that fully guarantees renewal.

Therefore, you can choose a product that is guaranteed to be renewed within a few years. In addition to the advantages of stability, some of these products can also share the deductible during the coverage period, which is more cost-effective.

2. Pay attention to the scope of protection.

The higher the reimbursement ratio, the better, and the wider the reimbursement scope, the better. For the scope of reimbursement, the following three dimensions are summarized:

Hospital type: Million medical insurance generally reimburses secondary and above public hospitals, but some million medical insurance can be reimbursed by the international department or special needs department. Micromedical insurance can generally only reimburse the general department of the hospital, while high-end medical insurance can reimburse the international department, special needs department, private hospital, and even hospitals around the world.

Expense type: Some products can reimburse hospitalization and surgery fees, while others can include outpatient fees, and even traditional Chinese medicine fees, physical examination fees, etc.

Type of drug: Some products can be reimbursed for imported drugs, targeted drugs, etc., while others cannot.

Therefore, based on the many medical insurance companies on the market, you need to choose according to your actual situation.

3. Focus on value-added services.

Regarding the value-added services in insurance, it has also been analyzed before, and the most practical ones for consumers are the green channel and the medical advance payment or payment function. In particular, medical insurance has the highest correlation with medical treatment, and it is important to consider.

Both of these are more practical services.

1. Clarify whether the medical insurance is guaranteed to be renewed. Currently, most of the health insurance plans on the market are not guaranteed to be renewed. What do you mean?

Most medical insurance insurance periods are 1 year, if the insured person is not hospitalized during the year, then the insurance company will agree that your policy will automatically enter the next year, you only need to pay, the policy will continue to be valid, which is also called renewal; However, if the insured person is hospitalized during the year and makes a claim, the insurance company will re-examine the health status of the insured person and decide whether to allow you to continue with the insurance. It is very common for the insured to renew the policy every year when you are young and healthy, and when you have paid premiums for many years, and one day you are suddenly hospitalized due to high blood pressure and a small claim occurs, the insurance company will immediately refuse to insure you and will not let you continue to buy this insurance. If you don't understand that this insurance is not guaranteed to be renewed, will you feel cheated by the insurance company?

The health insurance plan that guarantees the renewal will never deny you the renewal of the policy because the insured person suffers from any illness. Therefore, when purchasing hospitalization medical insurance, first clarify whether the insurance is guaranteed to be renewed, so that Shouru can effectively avoid disputes with the insurance company in the future. At the same time, it is advisable to purchase medical insurance that is guaranteed to be renewed, so that we will not be ruthlessly denied medical protection when we need it most.

2. Clarify the reimbursement scope of the medical insurance. Most people have social security, and we also know that there are many kinds of drugs and medical materials that are not covered by social security, and according to statistics, the reimbursement drugs in the social security catalog only account for 1 4 of the total number of drugs. The purpose of buying commercial medical insurance is also to supplement social security, hoping that commercial insurance can reimburse expenses that cannot be reimbursed by social security.

However, the reimbursement scope of some low-end medical insurance is the same as the reimbursement scope of social security, that is, it can be reimbursed if social security can be reimbursed, and it cannot be reimbursed if social security cannot be reimbursed. Then for customers with social security, this insurance is a waste product, and it has no effect except to spend more money. Therefore, the second thing you need to check before buying medical insurance is whether the coverage of the insurance is consistent with your expectations.

Of course, as a contract, there are many things to pay attention to, but for a commercial medical insurance, whether to guarantee renewal and reimbursement coverage is the first two points we need to pay attention to.

When choosing medical insurance, there are several aspects that need to be paid attention to:

1.Renewal conditionsOn this point, the above has actually been analyzed for you, it is best to choose a product that guarantees renewal, followed by continuing to apply for insurance without health notice, and finally reviewing the renewal.

2.Products**3.DeductibleRegarding the choice of deductible of medical insurance, this needs to be considered by the needs of consumers themselves, if you want to reimburse more medical expenses, then choose a product with a lower deductible, if you want the product to be cheaper, then choose a product with a higher deductible.

Further reading:"How to buy the best medical insurance for millions".

If you want to buy medical insurance as part of your commercial insurance, you can choose from 3 options:

1.Nature of Reimbursement. Reimbursement can be made with the relevant bills of the hospital, and only for drugs within the scope of social security regulations.

And this kind of insurance will only be reimbursed once, no matter how many copies you buy. Therefore, if you choose this kind of commercial insurance, please be sure to find out whether it conflicts with social security.

2.Nature of allowance. Most of this is for hospitalization, that is, when you buy the insurance, you have already chosen how much you can subsidize each day when you are hospitalized.

No matter how much you actually spent in hospital, and whether you have been reimbursed for all the money you spent in hospital, it has nothing to do with this insurance, and the insurance company will only pay you the amount of subsidy you chose when you bought the insurance.

3.Nature of early payment. Critical illness insurance, as it is commonly called, falls into this category.

It doesn't matter how much you actually need to see a doctor, and whether the drugs you use to see a doctor are covered by social insurance, it only pays for the amount you choose when you buy the insurance. It also does not require you to use the documents to reimburse after you see a doctor, you only need to confirm that the condition meets the contract and pay the compensation immediately.

You can also choose to have a hospital medical insurance that includes all three of the above options.

Hello! There are two types of medical insurance: social medical insurance and commercial medical insurance.

How to enroll in social medical insurance?

Resident medical insurance: You can bring your ID card, household registration book and even some other documents to the local sub-district office or village committee for consultation. For minor children, birth certificates are required, and parents need to bring ID cards, household registration books and even some other documents.

Unit: Let the unit pay in a unified manner.

How to buy commercial medical insurance?

1. Purchase on demand. Before applying for insurance, you should first analyze your own risks**, what aspects of medical care you need to protect, and protect the first thing that you urgently need at present.

2. The sooner you buy, the better. The younger the age, the cheaper the premium, the easier it is to pass the underwriting, and the easier it is to start the policy.

3. Pay attention to the principle of moderation. Attention should be paid to determining the amount of insurance based on your actual needs and ability to pay.

4. Pay attention to the combination of insurance types and protection. According to your needs, you can choose additional insurance products such as hospitalization for critical illness, accidental injury medical treatment, surgical expense compensation, cancer prevention, etc.

5. The choice of insurance type cannot be set in stone. 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 members and income status.

6. Choose a good payment method. It depends on the policyholder's own financial income and family situation. When applying for health insurance such as critical illness insurance, you should try to choose a payment method with a long payment period. Best wishes!

It is divided into two types: social insurance and commercial medical insurance, and medical insurance is divided into general medical insurance and critical illness insurance. It is recommended to add accident insurance and accident medical insurance.

Medical insurance is a type of insurance that compensates the insured after the outpatient or hospitalization behavior that meets the scope of insurance.

At present, there are two types of medical insurance in China: commercial medical care and social medical care.

Social medical insurance is divided into basic medical insurance for employees, new rural cooperative medical system, and medical insurance for urban residents.

Commercial medical insurance can be divided into small medical insurance, mid-end medical insurance, million medical insurance, high-end medical insurance, etc.

The most important thing for medical insurance must be the basic medical insurance, because the commercial insurance rate of supplementary medical insurance distinguishes between social security and social security. Moreover, the reimbursement ratio also varies, and the reimbursement amount is often greatly discounted if there is no social security.

Commercial medical insuranceDaddy suggests that you can give priority to the million-dollar medical insurance.

Million medical insurance is a medical insurance product with an insurance amount of up to millions, and the leverage ratio of insurance is also relatively high, so it is the first type of medical insurance recommended by my father.

If you pursue comprehensive coverage:

Zhong'an Exclusive e-Life 2020 has an insurance amount of 3 million, full coverage and many value-added services, including proton and heavy ion medical treatment, green medical channel, medical expense advance, special drug services, and family sharing deductibles.

If there is an abnormality in the body:

There is only one health notice of Zhonghui Mutual Inclusive e-Health, as long as you have not suffered from cancer, uremia, severe aplastic anemia and other diseases, you can buy it, and the underwriting conditions are very relaxed.

If you are looking for value for money:

It is still recommended that Zhong'an Exclusive e-Life 2020 has a comprehensive coverage and the corresponding rate is moderate, and the rate growth in the later period is relatively slow.

If you value short-term renewal conditions:

Ping An e-Life Insurance 2020 Guaranteed Renewal Edition, Fosun United Beyond Insurance, and Taikang Micro Medical Insurance 2020 Long-term Medical Insurance can all be guaranteed to be renewed for 6 years. And these 3 products, if they are not discontinued at maturity, do not need to be reviewed; If the sale of new products is stopped at the end of the expiration period, Fosun Beyond and Good Medical Insurance can also directly renew the insurance without health notice.

Before applying for medical insurance, don't forget to buy medical insurance first, after all, medical insurance is our most basic medical protection. On the basis of medical insurance, the father recommends that the first million medical insurance, and then the small hospitalization medical insurance, but the small medical insurance is mostly bought for children, and the information of small medical insurance can be viewed: ".Does Children's Microhealth Insurance Really Work?

If you have a remaining budget, try to increase the sum insured.