How to choose hospitalization medical insurance What to look out for

Arnold answers: Hello!

As one of the most basic types of medical insurance, the insurance liability and exclusions of medical expense insurance are similar to each insurance company, mainly in the details. When comparing and choosing, you should focus on the following aspects:

1. Proportion of expense reimbursement.

Regarding the reimbursement ratio of expenses, it should be noted what is the ratio of expenses within social insurance and expenses outside social insurance. Medical expense insurance is based on a reimbursement principle, which is often stated"After deducting social security and other benefits, a percentage of the remaining medical expenses will be reimbursed"。This ratio is generally set at 85%-90% for some insurance types, so it is important to pay attention to the different regulations of each insurance type, and it is recommended that it is best to choose"Super social security"Medical expense insurance products.

2. Deductible provisions.

Deductibles are mostly found in hospitalization and subsidized medical insurance. There are usually two forms of such attachment to the deductible: one is that the insurance company is not liable for the amount of the deductible, in other words, it is only liable for the part exceeding a certain amount; The second is to stipulate that the first few days of hospitalization are not responsible, generally 4-6 days, and at the same time, it is also stipulated that a continuous hospitalization shall not exceed how many days, such as 90 days, etc., depending on the specific type of insurance.

3. Setting of the observation period.

The observation period can also be referred to as the waiting period or exemption period, during which the insurance company is not liable for reimbursement of medical expenses. Medical expenses due to accidental injuries are not subject to the observation period, and hospitalization due to illness is subject to a 30-90 day observation period. For the insured, it is recommended to choose the type of insurance with a short observation period.

4. Renewal provisions.

Medical insurance is mostly a short-term product, and whether it can be renewed is also a question that needs to be considered. If it is a one-year product, the insurance period will face the problem of re-insuring, which is not only complicated, but more importantly, if the health status of the insured changes, it may not be possible to continue the insurance, and may lose the protection when it is most needed. If you can afford it, try to choose an insurance product that can be renewed.

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

One of the reasons why buying medical insurance is generally to give priority to buying millions of medical insurance, which is very cost-effective, cheap, and you can enjoy millions of protection amounts by spending only a few hundred yuan. Secondly, it has a very comprehensive coverage, such as surgery fees, nursing fees, drug fees, anesthesia fees, examination fees, etc. are all included.

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, it is important to note that medical insurance can only be purchased for a short period of time, 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:Beware!

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

Whether the product will be discontinued or not is an intuitive manifestation of whether the "stability of sustainable insurance" is good or not, which only the insurance company itself knows best. Generally speaking, from these aspects, you can more or less "smell" a trace of taste: whether the sales volume is large, whether there are enough healthy individuals added, how competitive it is, the market strategy of the underwriting company, and so on.

That's all for this issue, I hope it helps you.

It is necessary to buy. Hospitalization medical insurance is a kind of insurance in which the insurance company will pay the insurance money to the insured according to the proportion agreed in the contract for the medical expenses incurred by the insured due to illness and hospitalization. Inpatient medical insurance can compensate the insured for inpatient medical expenses, which can reduce the financial burden of the insured's family and help the patient cooperate with the hospital**.

Therefore, it is necessary to purchase a hospitalization medical insurance for yourself or your family. Especially for people with average family conditions and illnesses, hospitalization medical insurance is a good option.

Further information: 1. Hospitalization medical insurance refers to the health insurance in which the insurer is responsible for the expenses incurred by the insured due to accidents or illnesses due to hospitalization**.

2. The purpose is to solve the problem of high expenses incurred by the insured due to hospitalization. In order to prevent the insured from deliberately prolonging the hospitalization time and incurring unreasonable medical expenses, there is a deductible period for the first or non-continuous hospitalization medical insurance, and the hospitalization exemption period for critical illness is usually longer than the hospitalization exemption period for general illness. However, there is no exclusion period for accidental hospitalization and continuous insurance.

This type of insurance contract usually also has provisions such as the maximum length of hospital stay and the amount of the daily allowance.

3. Application for insurance benefits. If the insured incurs the payment of medical expenses within the scope of insurance liability, the insured, as the applicant, shall fill in the application form for insurance benefit payment within 30 days after the insured is discharged from the hospital, and apply to the insurance company for insurance payment with the following certificates and materials:

1) Insurance policy and proof of payment;

2) Household registration certificate and identity certificate of the insured;

3) The medical certificate issued by the hospital designated by the insurance company (indicating the full name of the diagnosis, simple medical history and ** process) and the original voucher of inpatient medical expenses, settlement schedule and prescription;

4) Other certificates and materials related to the confirmation of the nature, cause, and degree of injury of the insured accident. After receiving the applicant's application for insurance balance payment and the above-mentioned certificates and materials, the insurance company shall fulfill the obligation to pay the insurance money within 10 days after reaching an agreement with the applicant on the amount of insurance money paid.

Because according to the current national medical level, the medical expenses incurred by a disease or accident in a tertiary hospital are not less than 30,000 yuan, and often the expenses incurred by such inpatient medical treatment are not allowed to be reimbursed by social security, and hospitalization medical insurance can be a good reimbursement for this medical expense other than social security. At present, Chinese Life Insurance has a hospitalization medical insurance of 6.05 million, a maximum of 3 million for inpatient medical treatment for ordinary accidental diseases, a maximum of 6 million for inpatient medical treatment due to malignant tumors, and a daily hospitalization subsidy of 200, and the annual deductible is only 10,000! It can provide us with comprehensive protection against high medical expenses!

Is it necessary to buy hospitalization medical insurance?

Q: I just found out that I am sick and need to be hospitalized, and I want to buy medical insurance to go to the hospital. Answer: Seriously ill hospitalization, there is medical insurance, up to 80%, buy insurance, see you to buy life insurance, in the insurance company can ask the handler, specific things, to pay fees, ask: buy pension insurance need to buy hospitalization medical A: buy endowment insurance, can only solve the basic living expenses of your old age, hospitalization medical care can only pay out of your own pocket, in order to avoid the risk of hospitalization, you should buy hospitalization medical insurance.

Q: How long does it take to be hospitalized to be reimbursed for the medical insurance bought in Chengdu Answer: General medical insurance has a waiting period, 90 days for minor illness medical treatment and 180 days for major illness medical treatment.

Recently, many netizens are asking what medical insurance is worth buying, you can take a look at this comparison table of domestic hot-selling medical insurance products, which one is worth buying, you can understand at once:"Domestic Popular Medical Insurance Competition".

Generally speaking, it is best to buy medical insurance first and then buy commercial medical insurance. Medical insurance is the most basic guarantee, and the biggest feature is that the insurance requirements are low and cheap. Commercial medical insurance is a supplement to medical insurance, which includes some items outside the scope of medical insurance reimbursement, such as imported drugs, high-end ** and so on.

There are many types of medical insurance, and the common ones are three types: million medical insurance, hospitalization medical insurance, and cancer prevention medical insurance.

Let's break it down briefly:

1. Million medical insurance

Million medical insurance is suitable for most people, because it has a high reimbursement amount, ** is also very cheap, and there is no limit on the reimbursement of diseases, the premium is only a few hundred yuan a year, but the protection is millions, more value. Not only that, the million medical insurance guarantee content is also very comprehensive, such as bed fees, nursing fees, surgery fees, drug costs, material costs, etc., can be reimbursed.

Next, let's give you an analysis of several popular million-dollar medical insurance:

Combined with ** can be known.

(1) Good medical insurance:Its 6-year guaranteed renewal is one of the best renewal conditions available. You can renew your policy for a period of 6 years, regardless of whether you have already made a claim, your health condition has changed, or the product has stopped being sold.

(2) Exclusive e-life:Added post-operative home care, oncology specialty services, and increased family sharing deductible options.

(3) Micro-medical insurance:Compared with the other two, this one adds a value-added service: international second diagnosis and treatment. You can get professional written medical advice from international doctors.

From the above content, it can be seen that each product has its own highlights, and when purchasing, you should choose according to your own needs.

In addition, there are many cheap and high-quality million medical insurance products, you can take a look at the original article, which has a more detailed evaluation and analysis:"10 Popular Medical Insurance Plans to Buy".

2. Hospitalization medical insurance

The main features of this type of medical insurance are low deductibles and low reimbursements. This type of insurance is mainly used to reimburse outpatient clinics, and the suitable people are mainly young babies or older people. Because children and the elderly have weaker body immunity and are more likely to be infected by viruses and bacteria and catch a cold and fever, they have more effects on buying this insurance.

3. Cancer prevention medical insurance

Because the maximum age of medical insurance is about 60 years old, the older ones cannot be insured, and they can be insured for cancer prevention medical insurance.

Cancer insurance has a narrower coverage and only covers the cancers specified in the contract. It is very suitable for people who are older or not in good health.

This kind of ** is greatly affected by physical fitness and age, here are some more worth buying, ** relatively low cancer prevention medical insurance, interested in you can take a look:"Great value! Cost-effective cancer prevention medical insurance products

When you are hospitalized, you must tell the doctor the main contents: 1. I have commercial insurance.

2. If it is cultivated by accident, the doctor must write the cause of the accident into the medical record.

3. Please pay attention to the wording and try not to write the following words: congenital, original, n years ago, old disease**.

4. Don't write that you are injured by others, and the third party must compensate for the injury caused by a third party.

5. Be sure to go to a public hospital, preferably above the second level, this is very important, and there is no way to reimburse private clinics.

6. All the information given by the hospital is an important basis for the claims department of the insurance company to determine whether the claim is settled, please fill in and save it carefully.

7. The hospital payment documents must be stamped, especially for medical treatment in other places, without the documents signed and sealed by the hospital, the insurance company will not accept the claim.

Because according to the current national medical level, the medical expenses incurred in a tertiary hospital for a disease or accidental hospitalization are not less than 30,000, and often the expenses incurred by such hospitalization are not allowed to be reimbursed by social security, and hospitalization medical insurance can be a good reimbursement for this medical expense other than social security. At present, Chinese Skinskin Eggplant Shou has a hospitalization medical insurance of 6.05 million, a maximum of 3 million for ordinary accidental diseases, a maximum of 6 million for hospitalization due to malignant tumors, and a daily hospitalization subsidy of 200, and the annual deductible is only 10,000! It can provide us with comprehensive protection against high medical expenses!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello, inpatient medical care is better mainly based on your individual needs. Generally speaking, the expenses paid by the insured during the hospitalization, including the cost of the daily inpatient room, the doctor's expenses during the hospitalization, the cost of using hospital equipment, the cost of surgery, medical expenses, etc., can be covered by the insurance, but the specific claim situation also needs to be determined according to the type of hospitalization insurance that the insured has insured.

Generally speaking, hospitalization medical insurance can be insured according to different policy amounts, coverage, reimbursement ratios, deductibles, and differences in your age, gender, etc. At present, there are two types of hospitalization medical insurance in the market, one is the hospitalization allowance type; One is the expense reimbursement type. The most important thing to apply for hospitalization medical insurance is to apply for insurance according to personal needs and actual financial strength, and secondly, you need to pay attention to the terms and conditions of the insurance, and make a choice after careful comparison to avoid claims disputes.

Hope it helps.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"