Medical insurance, what products are better?

If you don't have health insurance, it is recommended to pay attention to health insurance first.

At the same time, if you want to get enough protection, you still need to accept the underwriting and physical examination procedures of the insurance company.

In addition, it should be pointed out that the medical insurance in life insurance is basically only covered until the age of 65, and after that, it cannot be insured.

The medical insurance of the health insurance company can extend the insurance age, but, to be honest, the premium is really expensive.

Ordinary hospitalization medical insurance, and medical insurance in social security, cannot be reimbursed repeatedly, and customers are reminded that it is meaningless to repeat insurance.

High-end medical insurance has indeed broken the limit of 6, but, when I came back, I also said that it is not expensive, and it is purely consumer-oriented.

You can supplement some hospitalization daily benefits, not reimbursement, according to the number of days of hospitalization, but they are all additional insurance, can not be insured separately.

The consideration of risks should not be limited to one point, but should be considered comprehensively, and not all risks need to be passed on, and rational discussion and research are needed, and choices and plans should be made.

Insurance products meet the needs of suitability, fit is good! The best people of each company will definitely recommend their own company's products, because the recognition of corporate culture, business philosophy and products is the foundation of our business!

Therefore, consumers should return to their original intentions, and choose one or two similar products that meet their needs after clarifying their needs.

Which kind of commercial medical insurance to buy should be chosen according to the characteristics of the product and your actual situation.

The common medical insurance on the market includes million medical insurance, small medical insurance, cancer prevention medical insurance, and mid-to-high-end medical insurance.

Under normal circumstances, we can postpone the group to consider applying for million medical insurance first, because the sum insured of million medical insurance is relatively high, the coverage is relatively wide, and the premium is acceptable to most people. However, million medical insurance products basically have a deductible of 10,000 yuan, so you can supplement the insurance with small medical insurance to solve some outpatient medical expenses.

What should I pay attention to when buying medical insurance?

1. Medium and high-end medical insurance and cancer prevention medical insurance

We should note that although the coverage of mid-to-high-end medical insurance is wider and the sum insured is higher, the corresponding premiums are also relatively expensive, so you should not only pursue high protection, but also choose the right type of medical insurance products based on the actual economic situation.

The protection of cancer medical insurance is relatively limited, only providing cancer-related protection, but its insurance conditions are relaxed, and the age range of insurance is relatively large.

2. Health notification

Commercial medical insurance usually has a relatively strict health notification program, before applying for insurance, the insurance company will ask the insured to do health questions, as long as there is a question about whether there is a certain disease or whether there is a certain condition in the body, etc., we must tell the truth. And if you don't ask for something, you don't have to take the initiative to tell it.

3. Renewal conditions

In addition, most commercial medical insurance on the market has a coverage period of 1 year, so after one year of insurance, we will face the problem of renewing the policy.

Which is the best health insurance?

In fact, this question should have been thought about by many people.

In fact, no matter which insurance you buy, it must be based on the needs of consumers. Wild posture.

According to the level of the sum insured, the pure insurance of medical insurance can be divided into small medical insurance and million medical insurance; The former can be reimbursed for small medical expenses; The latter can transfer the risk of serious illness.

According to the reimbursement hospitals, etc., it can be divided into high-end million-dollar medical insurance.

On the basis of the original million medical insurance, the scope of medical reimbursement has been expanded.

As for the specific product, you can directly consult with the dad.

The following types of health insurance are good:

1. The practical value of the common people is the highest.

Although the reimbursement threshold of this kind of insurance is relatively high, the amount is high, which can reimburse large medical expenses and solve the family economic losses caused by high medical expenses.

2. People with average physique and often go to the hospital.

To say that in the choice of this kind of people, which is the best medical insurance, you can pay attention to outpatient insurance or small inpatient medical care this is the most common product, generally this kind of product is easy to reimburse, due to 0 deductible, the practicability of Hu Hu is particularly strong, but the amount is generally not high, mainly to prevent the economic loss caused by the toss of small diseases, the disadvantage is that it is impossible to prevent the risk of major diseases, after all, the insurance amount is low.

3. People with high income and sick who need a good environment.

Although ordinary people are enough for millions of medical insurance, there are still problems such as difficulty, long queues, and troublesome reimbursement, while the mid-to-high-end million medical insurance can be reimbursed for the VIP department, international department, and special needs department of secondary public hospitals above the secondary public hospital, and there is a direct payment service.

It not only has very good inpatient service conditions, but also individual types of insurance, such as Beijing ****, Shanghai Jiaotong University Affiliated Hospital, Guangzhou Sun Yat-sen University Affiliated Hospital, etc., if you are hospitalized in the cooperative liquid wheel hospital, the insurance company will directly settle with the hospital, without having to pay for it yourself.

For people who have money to get sick and don't want to be guilty, if you want to say which medical insurance is the best, mid-to-high-end medical insurance is a good choice for segment carrying.

Medical insurance is generally divided into social medical insurance and commercial medical insurance.

Social medical insurance is also commonly known as medical insurance in Bury State, medical insurance can cover part of the medical expenses, but there is still a certain gap, to solve small problems can be, in case of serious illness, you need commercial medical insurance to protect.

There are also many classifications of commercial medical insurance: small medical insurance, million medical insurance, universal inclusive insurance, and mid-to-high-end medical insurance. As for which medical insurance is good, it is necessary to decide according to the policyholder's own situation, and we will introduce the above medical insurance one by one

1. Small medical insurance: It is mainly used to reimburse the medical expenses of general outpatient minor diseases, such as fever and cold. 0 deductible but the reimbursement amount is not high, it is a more practical medical insurance, suitable for people who often have minor illnesses;

2.Million medical insurance: mainly used for serious illness**, covering medical expenses that cannot be reimbursed outside the medical insurance, generally there is a deductible of 10,000 yuan but the reimbursement amount is very high, and some products will have hospitalization allowance, care fund or special disease compensation, which is the most common medical insurance;

3.Universal Universal Insurance: It is a medical insurance of the nature of universal protection launched by the local ** in cooperation with insurance companies, and is a supplement to the universal medical system to alleviate the problem of medical treatment. As long as you have social security, you can participate in the insurance, which is lower and the protection is more comprehensive;

4.Medium and high-end medical insurance: the premium** is acceptable, but the targeted increase and strengthening of medical security responsibilities will add a considerable degree of medical insurance protection, and medical expenses will also be reimbursed, which is suitable for people with a certain economic foundation.

That's all for daddy, I hope it helps.

Legal analysis: Medical insurance can be divided into consumption type and return type. For consumers with strong economic ability, it is recommended to purchase a return type, pay attention to the scope of insurance liability when purchasing, and it is necessary to distinguish which diseases are within the scope of insurance liability and which diseases are not.

This is the observation period for health and medical insurance, which refers to the period after the insurance contract has been in force, and the insurer is responsible for paying the medical expenses incurred by the insured due to illness.

Legal basis: Article 23 of the Social Insurance Law of the People's Republic of China Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state. Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.