There are not many people who are insured by commercial medical insurance now

Hello! Social security is a welfare insurance, the medical protection provided is unified and the scope of protection is very limited, if individuals want to improve their own protection, it is best to purchase appropriate commercial medical insurance.

There are not many people who are insured by commercial medical insurance nowHow to insure?

The scope of social medical insurance is usually unified, and the scope of protection it provides is often the most basic, while commercial medical insurance is based on the lack of social security to provide a good supplement, and the two are different areas in terms of coverage, so there is no more comprehensive theory of who is more comprehensive than commercial medical insurance and social security medical care. If individuals want to improve their own protection, it is best to have a commercial medical insurance. The following aspects should be paid attention to when applying for commercial medical insurance:

1.Before purchasing commercial medical insurance, it is recommended that you read the terms of the insurance liability carefully to understand the specific scope of liability.

2.When applying for insurance, you should pay attention to truthfully informing, autographing, choosing a hospital approved by the insurance company and reporting the case in a timely manner, and keep the information required for the claim settlement as needed.

3.When applying for a claim, it is advisable to pay attention to the deductible clause, as those who are less than the deductible will not be compensated.

To buy the right commercial medical insurance, you must first figure out the concept of commercial medical insurance and insurance knowledge, and the choice of the right commercial medical insurance is also inseparable from the choice of a formal insurance platform, which is an insurance platform that provides professional commercial medical insurance, and you are welcome to come and buy.

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.

So, how to buy medical insurance? Generally, it is recommended to give priority to purchasing millions of medical insurance, which is very cost-effective, and you can get millions of protection for a few hundred yuan. Not only that, but it is also very comprehensive, such as surgery fees, anesthesia fees, nursing fees, drug fees, examination fees, etc.

When buying million-dollar medical insurance, you should not only look at the regular content such as protection liability, **, exemption clauses, renewal clauses, etc., but also look at the "stability of sustainable insurance".

In terms of renewal, it should be noted that medical insurance is a short-term insurance product, 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 has great deficiencies in renewal:Be careful!

These medical insurances! , encounter thousands of detours! 》

The stability of sustainable insurance, to put it bluntly, is to see if the product will be discontinued, which no one can make an accurate judgment except for the insurance company. Generally speaking, it can be judged from these aspects: how much sales are done, how many healthy individuals have joined, how competitive they are, the market strategy of the insurance company in recent years, and so on.

In addition, as an additional reminder, some products will increase premiums for people who have not purchased social security, so social security should be paid well

That's all I have for the question, towards.

Because:1Commercial medical insurance is mainly used to reimburse the reasonable and necessary medical expenses of the insured due to illness or accidents;

2.The premiums of commercial medical insurance are generally not expensive, such as the insurance fee of million medical insurance, which is cheap and the insurance amount is high. While the deductible is relatively high, it is still very practical to deal with the risk of serious illness;

3.There are many types of commercial medical insurance, such as million medical insurance, outpatient insurance, small medical insurance, accident medical insurance, hospitalization medical insurance, hospitalization allowance insurance, etc. Consumers can choose according to their actual needs;

4.Commercial medical insurance can be used as a supplement to medical insurance, such as reimbursement of self-paid medical expenses to make up for the lack of medical insurance reimbursement;

5.Although the health notice of commercial medical insurance is relatively strict, it cannot be purchased as long as you are sick. For example, if you only have hepatitis B virus carriers, breast hyperplasia and other minor diseases, you still have the opportunity to pass the health notification and illness insurance;

6.Some commercial medical insurance plans can guarantee renewal, giving the insured a longer term.

"First of all, retirees are recommended, because the characteristics of resident medical insurance are wide coverage and low security, generally in the case of relatively comfortable economic conditions, it is recommended that the elderly or retirees purchase a commercial supplementary medical insurance + hospitalization medical protection to achieve more comprehensive risk prevention! There is an important point here, the general commercial insurance age is 59 years old, if you are in good health, it is a good choice to buy a commercial supplementary medical insurance. However, it is recommended to choose a guaranteed renewal type of insurance for inpatient medical treatment. ”

Comparison Table of Popular Million Medical Insurance in China

It is recommended to buy millions of medical insurance for medical insurance, and you can enjoy the protection of millions of insurance for a few hundred yuan, which is very satisfying. Not only is it very satisfying, but the content of the protection is also very gratifying. The coverage covers most expenses such as surgery, hospitalization, medicines, etc.

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".

In terms of renewal, the senior sister would like to remind everyone that medical insurance is a short-term protection product, so there may be a situation where the insurance is smooth in the first year, but the second year is rejected because of some minor physical problems. For example, the following medical insurances are less friendly to renewal:Beware!

These medical insurance have pitfalls, don't step on them! 》

So what is "sustainable insurance stability"? To put it bluntly, it is whether the product will be discontinued, but in fact, no one can say this except the insurance company. Usually these points can help us make a judgment:

Whether the sales volume is large enough, whether the healthy body joins enough, whether it is reasonable, the market strategy of the insurance company in recent years, etc.

As an additional reminder, the premiums of some products for non-social security groups will increase, so social security should be paid well

Hello! The medical insurance of social security is the basic guarantee, and the country's welfare system is characterized by wide coverage and low security. It can provide us with the most basic medical reimbursement, but it is not all-inclusive, such as the minimum payment line, the self-payment segment, the self-payment ratio and other individual expenses.

Commercial medical insurance can effectively supplement the vast majority of what cannot be reimbursed by social insurance, and truly effectively reduce our losses.

Many people with medical insurance find that every time they have a major illness, many expenses need to be paid out of their own pockets, and commercial insurance is an effective supplement to medical insurance, whether it is social pension insurance or medical insurance, the protection provided is limited. At this point, the complementary role of commercial insurance is reflected. Especially for critical illness, commercial critical illness insurance can immediately receive a critical illness medical fund when the insured is diagnosed with a critical illness, which can be timely** and is an effective supplement to medical insurance.

Commercial medical insurance is a supplement to general medical insurance, there is no comparison, and commercial medical insurance can reimburse the part that is not covered by ordinary medical insurance.

Commercial medical insurance is an integral part of the medical security system, and units and individuals voluntarily participate. The State encourages employers and individuals to participate in commercial medical insurance. Refers to for-profit medical insurance operated by insurance companies.

General medical insurance refers to the basic medical insurance premiums that should be paid in full and on time by the employer and the individual employee in accordance with the principle of compulsory social insurance through national legislation. If you do not pay in full and on time, regardless of your personal account, the basic medical insurance coordinator will not pay your medical expenses.

In terms of which aspect, social insurance is a wide coverage and low protection, and medical treatment is a form of reimbursement, that is, how much medical expenses are spent to reimburse a certain percentage, and there is a limit. Commercial insurance as a supplement to social insurance, for example, the part of medical social security that is not reported can be reimbursed from commercial insurance, and the amount is not like social insurance, which is completely determined by itself, and the critical illness insurance in commercial insurance is irreplaceable by social insurance, and social security is reimbursed for critical illness, proportionally; Commercial insurance is a one-time payment, that is, the sum insured will be paid if you have a critical illness, and this money can subsidize the loss of income that you cannot work due to illness, no matter how you use it.

Useful! But it is not as good as ordinary medical care.

Social insurance includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance, while commercial insurance includes not only the above five types of insurance, but also other types of life insurance and property insurance. Therefore, if you only buy social security and do not buy commercial insurance, the protection is not comprehensive. If you want to know more, please go to this article"What is the difference between social security and commercial insurance".

Next, let's take a look at the difference between social security and medical insurance through medical insurance.

1. Embodiment in the content of the guarantee

The protection content of commercial medical insurance is more sufficient, and many contents that are not covered by social medical insurance are underwritten. For example, social security does not cover the cost of service items such as "** fee", "out-of-hospital consultation fee", "medical record production cost" and the cost of prosthetic eyes, prosthetic limbs, hearing aids and other ** sexual appliances belonging to diagnosis and treatment equipment and medical materials, but most commercial insurance on the market covers these two types of medical expenses.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. Everyone is very afraid of cancer, and there has actually been a lot of progress in cancer over the years, such as the fact that there are already special drugs for many kinds of cancer, but the cost is relatively large. For example, the average monthly cost of ** lung cancer is more than 50,000 yuan.

However, this kind of special drug is not covered by social medical insurance, so it is out of reach for many cancer patients.

2. The amount of reimbursement is different

The coverage of social medical insurance is wide, and there are many people who need to be taken care of, so it can be said that there are more monks and less porridge, and the reimbursement ratio is not too high. In addition, if you choose to go to another place to accept ** because of the better effect of some hospitals in other places, the reimbursement ratio of social medical insurance will often be lower. It can be seen that if social medical insurance is relied on alone, in the face of more serious diseases, such protection is not enough.

Commercial medical insurance is mainly used to cover expenses that cannot be covered by social insurance, as well as other additional expenses.