What kind of commercial medical insurance should people with basic medical insurance buy?

It is advisable to invest in critical illness insurance.

In December 2006, Ping An Zhifu Whole Life Insurance (Universal, A B, 2004) won two awards in the "Most Influential Insurance Product in the Comprehensive Category" and "Best Financial Insurance Product" in the Individual Category in the "First Innovative Insurance Product Appraisal in China".

Ping An's Universal Insurance is an upgraded version of financial critical illness insurance. 400 yuan per month.

1: High protection, the rate is 30% cheaper than that of peer insurance.

2: The payment is flexible, you can pay for 5 years, 10 years, and 15 years.

3: 30 types of critical diseases, 470 minor critical diseases, also protect death, lifelong.

4: All illnesses are covered after the age of 60.

5: Another *** interest, uncapped income.

6: And the interest is calculated on a daily basis, and the interest is rolled over by month.

7: Flexible to receive money, there are two free opportunities to receive it every year, and you can enjoy safe income.

8: Premium waiver function. (Unfortunately, if you have a critical illness and the insurance company loses money, you will be exempted from paying future insurance premiums, and the benefits of the insurance plan will remain unchanged!) )

Ping An Insurance (Group) Co., Ltd. of China is the first close, efficient and diversified comprehensive financial service group in China with insurance as the core, integrating diversified financial services such as insurance, trust, banking, asset management, and enterprise annuity.

In April 2007, the Forbes Global 2000 list of listed companies was announced, and Ping An was once again shortlisted for the top 500 with its excellent operating performance and strong profit growth, ranking 440th overall. And ranked first among non-state-owned enterprises.

In April 2007, Ping An was awarded the award again for its standardized and transparent governance and rapid growth performance, and became the only company in the insurance industry to be on the list for six consecutive years since its inception in 2001 as "China's Most Respected Enterprise".

In April 2007, Ping An won the "2006 Customer Management Award" after winning the "Best CRM Implementation", "Best CRM Cross-Industry Implementation" and "Best CRM Implementation in Greater China" awards from 2003 to 2005.

In September 2006, Ping An ranked first among Asian insurance companies and Chinese companies in the 2006 Asia's Best Managed Companies by Euromoney, an internationally renowned financial magazine, and ranked fifth among Asian companies overall.

In August 2005, Ping An was selected as one of China's top 10 world-class brands by the Financial Times, an internationally renowned financial company, and ranked first among China's financial enterprises.

Medical insurance and social security are all state-supported policies, but these can only be met just now, just like the minimum living guarantee. When something happens like an accident, the burden on the family can be imagined, and medical insurance alone is not enough.

Commercial medical insurance is still needed...

"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. ”

Commercial insurance is mainly divided into life insurance and property insurance, and life insurance includes:

1. Life insurance: Life insurance is what we often call life insurance, including whole life insurance, term life insurance, and both-life insurance, which is a life insurance with the survival or death of the insured as the payment condition.

2. Health insurance: Health insurance includes critical illness insurance and medical insurance, which is based on the body of the insured, and critical illness insurance is a payment type that can be claimed as long as it meets the conditions within the contract, and medical insurance is a reimbursement type.

3. Accident insurance: When the insured dies or becomes disabled due to an accident during the insurance period, the insurance company will pay compensation according to the amount agreed in the contract.

4. Financial insurance: It is an insurance product that takes property or interests as the insurance object, which can be mainly divided into annuity insurance without dividend insurance.

Commercial auto insurance: including car damage insurance (including spontaneous combustion insurance, theft insurance, glass insurance, deductible insurance, engine wading insurance, and unable to find a third party insurance), third-party liability insurance, vehicle personnel liability insurance, medical insurance external drug liability insurance, scratch insurance; Among them, the main insurance is:

1. Compulsory traffic insurance: It is a compulsory insurance, every motor vehicle owner must buy, if you are not insured with compulsory traffic insurance and drive on the road, then once you are investigated and dealt with by the traffic management department, you will be severely punished.

2. Car damage insurance: It is a commercial car insurance, which is not mandatory for car owners to purchase, but car damage insurance can protect the damage caused to the insured car after the occurrence of an insured accident.

3. Third-party liability insurance: It is a commercial auto insurance, and the owner can voluntarily insure it, which can mainly insure the compensation for the personal and property losses caused to the third party after the occurrence of an insured accident.

4. Seat insurance: It is a commercial car insurance, and the owner can voluntarily insure the person, which can mainly insure the person on the insured car after the insured accident, but it only protects the person on the insured seat.

The role of commercial medical insurance is beyond the scope of social security If the amount of social insurance is far from enough to reimburse medical expenses, then the function of commercial insurance comes into play. But as a word of caution, insurance only slightly compensates you for the financial loss caused by the illness. The body is your own and must be cherished.

There is no need to think that no matter how many types of insurance you buy, you can only choose one of the insurance benefits when you reimburse. (For example, there is only one copy of the total list of expenses at the time of hospitalization stamped with the official seal of the hospital).

Ping An's commercial insurance includes hospitalization medical care, accidental medical treatment, daily subsidy, etc., among which accidental medical social insurance is not concerned, and hospitalization medical social insurance is paid proportionally, so commercial insurance is a supplement to social security, and I think it is necessary to buy it.

Compared with commercial insurance, the types and contents of social insurance can be said to be only the tip of the iceberg, so social insurance cannot replace commercial insurance, only buy social insurance, and the degree of protection is very limited. If you want to know more about the relationship and difference between the two, take a look at this article"Surprise! Some people actually say that social security can replace commercial insurance?

What is the difference between social security and commercial insurance? 》

Next, let's take social medical insurance and commercial medical insurance as examples to talk about the differences between social insurance and commercial insurance.

1. The protection content of commercial medical insurance is not exactly the same as that of social medical insurance

Commercial medical insurance has more insurance liability than social medical insurance. For example, for some ** items of medical expenses, such as kidney, heart valve, cornea, **, blood vessels, bone, bone marrow transplantation other than other organs or tissue transplantation, does not belong to the scope of social medical insurance, but belongs to the scope of commercial medical insurance.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, in cancer, there are now many targeted drugs that are relatively small to the human body and have relatively high efficacy, but these special drugs are very expensive. 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 reimbursement ratio of commercial medical insurance above the deductible can usually reach 100%, but the reimbursement rate of social medical insurance with national welfare is much lower than 100%. If you do not accept medical insurance in the place where you buy it**, then the reimbursement ratio will be lower, which is also very different from commercial medical insurance, and the reimbursement ratio of commercial medical insurance will not be reduced because of this. 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.

If you want to know more about commercial insurance and social insurance, then check out this article"You still don't know the difference between commercial insurance and social security? 》