How much does it cost to buy a commercial health insurance

Hello, the rate of commercial medical insurance is related to your actual age, physical health, gender and other factors, here can not determine how much commercial medical insurance is for you, the purchase of appropriate medical insurance needs to be based on your actual situation to the insurance company combined with the specific type of insurance comparison choice, suitable for your own insurance is good insurance, here to provide you with a reference link.

Which commercial medical insurance is appropriate).

Xueba talks about insurance, focusing on insurance evaluation! This comparison table provides an in-depth comparative analysis of the millions of medical insurance in China, and you can click to view if you are interested"Super Complete! Comparison Table of Popular Million Medical Insurance in China

The easiest reason is that it is very cheap, only a few hundred yuan a year, you can enjoy millions of protection, and the cost performance is very high. It also has a very comprehensive coverage, including surgery fees, anesthesia fees, hospitalization fees, examination fees, and so on.

When buying millions of medical insurance, it is far from enough to only look at the conventional 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 insurances are less friendly to renewal:Beware!

These millions of medical insurance have pits, and they must be bypassed! 》

Whether the product will be discontinued or not is an intuitive manifestation of whether the "stability of sustainable insurance" is good or not, which no one can guarantee except the insurance company. Generally speaking, it can be judged from these aspects: how well the sales volume is, whether there are enough healthy individuals to join, whether it is cheap, the market strategy of the insurance company, and so on.

Another point that needs to be reminded is that for most products, non-social security people, the premium will be a little more expensive, so the social security is well paid

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

Generally, the younger the insurance cost, the cheaper the cost, on the contrary, the older the age, the more expensive the cost, commercial insurance, you can buy more money, and the reimbursement amount is high;

There is no money to buy less and the reimbursement amount is low, you can choose by yourself, the main question is what disease you go to the hospital, and some diseases are directly refused by commercial insurance companies.

You can go to the official ** of major insurance companies to take a look at this and understand the choice clearly.

Commercial medical insurance is different according to different products, and the purchase of commercial medical insurance needs to pay 500-5000 a year.

Commercial medical insurance mainly includes hospitalization allowance type and expense reimbursement type, the former insurance company with a fixed amount per day, to compensate the insured during the hospitalization of the loss of **, such products are not duplicated with social security or other types of commercial medical insurance, is the best choice.

Commercial medical insurance only provides reimbursement for the medical expenses actually incurred by the insured object, while the reimbursement scope of different commercial medical insurance is different. Expense reimbursement insurance can reimburse hospitalization medical expenses, but the reimbursement scope has different regulations for different products. The insurance contract of some commercial medical insurance stipulates that the actual medical expenses must be covered by social insurance reimbursement.

According to the December 2019 market**,To purchase commercial medical insurance, you need to pay 500-5000 a year**.

The ** of commercial medical insurance is uncertain, and how much money you need to pay each year depends on the specific medical insurance contract. The gap between different commercial medical insurance is relatively large, and there are many factors that affect it, including insurance companies, insurance products, coverage coverage, coverage period, gender of the insured, amount insured, etc. China Merchants Cigna reminds you that specific problems need to be analyzed on a case-by-case basis.

For example, a 30-year-old man, the sum insured is also 200,000, the payment period is 20 years, and the annual premium is 3,348 yuan.

The types and amounts of commercial insurance are different, and the premiums to be paid in a year are also different depending on the age of the individual. How much premium you need to pay for commercial insurance in a year depends on the product type, age, sum insured, and payment period. For example, for consumer-based critical illness insurance, life insurance, medical insurance, and accident insurance, for young people around 30 years old, the annual premium starts at four or five thousand.

Compared with the unified payment standard of social insurance, the premium of commercial medical insurance is related to many factors, such as age, occupation and so on. Therefore, for how much is commercial medical insurance a year, this question needs to be determined according to the specific situation, and the father will tell you the answer according to the specific situation. For friends who don't know much about medical insurance, Daddy will share the information with you:

Which is the best health insurance? That's right! 》

Different types of commercial medical insurance, with different functions. Usually we canJudge the stability of the product by the renewal conditions.

Whether the renewal conditions of the product are relaxed, whether the insurance will affect the subsequent renewal, etc. Because the coverage period of commercial medical insurance is generally 1 year or less.

If the policy is renewed, the policyholder's right to guarantee renewal will not be terminated because the insurance is also suspended. This is a point that many products will mentionThe right to renew the policy, so be sure to pay attention when applying for insurance.

The following dad directly gives a conclusion:

If you take into account the issue of renewal: You can consider Ping An Health's e-life insurance guaranteed renewal version 2020, its protection period is obviously longer than that of general medical insurance, which can reach 6 years, and Ping An is a large company, which everyone knows, but his premium is relatively high.

If you are looking for a low premiumIt is the lowest premium among the above popular products, only 160 yuan is required to achieve an insurance amount of 1 million, and at the same time, the health notice of inclusive e-life is very relaxed, and the three-high people can also be insured.

If pursuing a 0 deductible: You can consider Taizhongan Insurance's Happy e-Life 0 deductible version.

If you want to pursue a larger time span for reimbursement of emergency outpatient services before and after hospitalization, you can consider Ping An e-Life Insurance 2020, which can be reimbursed for 30 days before and after.

Regarding the question of how much is commercial medical insurance a year, Daddy believes that everyone has already counted it in their hearts, because through the above **, you can see the specific premiumsIn general, the million medical insurance is not high, but the amount insured is not lowThe minimum can reach 1 million. In general, the insurance leverage of commercial medical insurance is still very high, and it is worth considering insurance.

Different products** are different, the higher the coverage of general insurance, the higher the premium; In addition, the higher the insurance amount, the higher the commercial medical insurance, consumers need to choose according to their actual situation when purchasing products to ensure that the premium expenditure is within the affordable range.

The cost of insurance products launched by different insurance companies of the same type of medical insurance will be different, so there will be differences in terms of insurance. In addition, there is competition between insurance companies, in order to be able to distinguish their own insurance companies from other insurance companies' insurance products, insurance companies will not use the same ** as other insurance companies in pricing.

The wider the coverage of the insurance, the higher the cost of commercial medical insurance, and the higher the cost of commercial medical insurance, the higher the premium will be with the higher the insurance coverage. This is mainly because the wider the coverage of commercial medical insurance, the greater the risk that the insurance company will bear. As a result, the insurance company will charge a higher fee.

The higher the insured amount of the insurance, the higher the insurance amount of the commercial medical insurance, and when the insured has the situation within the scope of the contract, the insurance company can pay a high amount of insurance compensation in accordance with the requirements of the contract. Since the insurance company bears a relatively high risk, the premium charged will naturally be relatively high.

On how to choose the right medical insurance product for you, I recommend you to read: "Which is the best medical insurance?" That's right! 》

Different insurance companies have different insurance products of the same type, and the cost of insurance products launched by insurance companies will be different, so there will be differences in terms of insurance.

For more information on how to choose the right medical insurance product for you, you can see here: "Which is the best medical insurance?" That's right! 》

The cost of medical insurance to be paid in a year ranges from tens of yuan to hundreds of yuan, and the specific cost needs to be comprehensively assessed according to physical condition and age.

What kind of medical insurance is good to buy? What is Million Dollar Medical Insurance? Which Million Dollar Health Insurance Plans Are Worth Buying? 》

1. How to allocate the amount of insurance

When buying commercial insurance, the premium has a lot to do with the family's income. If the sum insured is higher, the premium will be higher. Therefore, in the reinsurance industry, there is a double ten principle, the sum insured should be 10 times the annual income, and the premium is 10% of the annual income.

Generally, simple consumer accident insurance, critical illness insurance, medical insurance and other insurance products have to pay a few tens to hundreds of yuan a year, which is still relatively cheap overall.

However, the return or dividend type of critical illness insurance or education insurance and other insurance products, the insurance fee to be paid a year usually needs several thousand yuan, and the family is not suitable for the general family to choose for the child, because the conditions do not allow the purchase of the strong will cause financial pressure on the family and reduce the quality of life of the family.

2. Which one should be chosen for medical insurance?

1.Small medical insurance, although cheap, but the corresponding amount of insurance is also low, can only solve the medical expenses caused by small risks, in case of serious illness, the amount of insurance is a drop in the bucket, can not be resisted.

2.Mint Jun suggests that every person and family, regardless of whether they have medical insurance or not, should have a million medical insurance, and if the budget allows, they can choose high-end medical insurance to enjoy better medical resources and medical experience.

3. Summary

What we now look like a sturdy family economy is in fact very fragile. No one wants to struggle for most of their lives, get sick, and return to the pre-liberation period overnight.

Buying a medical insurance can not only strengthen the protection of our lives, but also alleviate our anxiety about the future.

Xueba talks about insurance, focusing on insurance evaluation!

Commercial medical insurance launched by different insurance companies**No, it iskind, but also the policyholder's ownAge, gender, physical condition, etcIt will also affect the ** of commercial medical insurance.

So it is generally recommended that youBuy early, so that it will be more cost-effective. I've sorted out a few ** in200-500 yuanMedical insurance products:Value!

Top 10 million medical insurance with huge cost performanceIf you need it, you can take a look.

How much premium does commercial medical insurance need to pay in a year needs to be determined according to the product category, age, and insurance amount.

Everyone's insurance will be due toThe actual needs of the individual changeThe ** of different ages is different, so the ** of commercial medical insurance isIt is not possible to generalizeTarget.

And if you want to getComprehensive health protectionCommercial medical insurance alone is not enough, it is recommended to purchase additional insuranceCritical illness and accident insurance. Here is a list of more favorable critical illness insurance products:Top 10 Popular Critical Illness Insurance Points Worth Buying!

You can store it if you need it. The list of accident insurance is also available:In 2020, all the accident insurance worth buying is here

In addition to social medical insurance, how much is commercial medical insurance is also the focus of attention. Commercial medical insurance is an integral part of the medical security system, and units and individuals voluntarily participate in Changchangjia. Commercial medical insurance refers to for-profit medical insurance operated by insurance companies.

What is the approximate purchase of one-year commercial medical insurance**?In fact, what is it** can not be generalized, because. If you want to know more about how much it costs to buy a year's commercial medical insurance, follow me and take a look.

In addition to social medical insurance, how much is commercial medical insurance is also the focus of people's attention. Commercial medical insurance is an integral part of the medical security system, and units and individuals voluntarily participate. Commercial medical insurance refers to for-profit medical insurance operated by insurance companies.

What is it to buy one-year commercial medical insurance?

In fact, it is impossible to generalize about what it is, because there are too many types of insurance companies now, and many medical insurance companies have additional insurance, so the positioning is even more complicated. However, at present, most of the commercial accident medical insurance on the market is a one-year comprehensive insurance, and the best of this kind of insurance is usually more affordable, generally around a few hundred yuan, and the insurance can obtain more comprehensive accident protection with higher cost performance. How much commercial medical insurance depends on different types of insurance, consumption-based critical illness medical insurance only needs a few hundred yuan a year to obtain critical illness protection with an insurance amount of about 100,000 yuan, and return-type critical illness medical insurance generally requires thousands of yuan and requires continuous payment.

In general, there are many types of commercial medical insurance: accident medical insurance, critical illness medical insurance, and hospitalization medical insurance. Accident medical insurance is recommended to have a medical insurance amount of more than 10,000 yuan, and priority should be given to products with low deductibles and high loss ratios when purchasing.

Critical illness medical insurance only costs a few hundred yuan a year to obtain critical illness protection with an insurance amount of about 100,000 yuan, which is suitable for people with average financial strength. Hospitalization medical insurance is more complex and determined on a case-by-case basis.

Because commercial medical insurance refers to a contractual act in which the commercial insurance organization collects insurance premiums from the policyholder and establishes insurance premiums according to the medical insurance contract, takes the human body as the protection object, establishes insurance, and bears the responsibility of paying insurance money for the loss of medical expenses caused by the occurrence of medical accidents agreed in the contract. The premium is determined by the age and sum insured of the policyholder, and even more detailed and even according to the policyholder's annual income, annual expenditure, existing financial management methods, debt situation, purchased insurance, and concerned protection content.

Nowadays, it is a society with a legal system, and many things closely related to life are inseparable from the law, so we should have some understanding of some ordinary legal knowledge.