If you want to buy an insurance, consult everyone, it is good to have health insurance

The basic explanation of health insurance is that when the insured has a physical problem, the insured person's insurance money is covered by the insurance company. At present, there are many types of health insurance on the market, which are mainly divided into critical illness insurance and medical insurance. So what's the difference between the two?

If you are in a hurry, click here:What is the difference between critical illness insurance and medical insurance? Will there be conflicts when making a claim?

Generally, before configuring commercial insurance, it is recommended to configure health insurance first, and then consider other insurance, so let's give you a brief analysis of the reasons.

1. Critical illness insurance

Critical illness insurance is essentially "loss of income insurance", and it is also a payout type. If you unfortunately suffer from a critical illness, you will directly receive compensation from the insurance company, which can not only make up for the loss of income, but also be used for various expenses of the family, temporarily reducing the financial pressure on the family.

At present, there are many multiple disease insurance products on the market, in order to prevent everyone from stepping into the pit, I have also screened out a few good products for reference:Do you know the top 10 popular critical illness insurance policies worth buying? 》

2. Medical insurance

Since medical insurance also has shortcomings, we have to buy medical insurance as a supplement. If your budget allows, you can buy a million-dollar medical insurance, which is not only a low premium, but also a high sum insured and fully protected. Generally, a few hundred dollars can be solved.

If you don't know how to choose medical insurance? Considerate, I'm ready for a long time:The latest top 10 million medical insurance rankings have just been announced!

But then again, we need to be wary of health insurance that meets our needs

1.Pay attention to health notices

We can only be insured through health information, and the health information is very perfunctory or covers up the disease, even if the insurance company does not compensate for the insurance.

2.Pay attention to the length of the waiting period

Health insurance products all have a waiting period, and it is usually impossible to get reimbursement from the insurance company if the insured suffers from a contracted illness during the waiting period. Most products on the market now have a waiting period of 90-180 days, and a waiting period of 90 days is generally good for critical illness insurance, so we should pay more attention to the waiting period.

To sum up, buying health insurance can alleviate the economic impact of the disease, and if the economic conditions allow, don't procrastinate in allocating health insurance for yourself. Hope!

Well, you're insurance-conscious, and that's great, but the first thing to buy is definitely life insurance.

Hello! Health insurance is divided into sickness insurance, medical insurance, income protection insurance, etc., it is recommended that you may wish to consult the insurance company based on your actual age, occupation, physical health, etc., or choose the most suitable health insurance product through some online insurance platforms.

How do I buy the right health insurance product for me?

1. The basic sum insured should be appropriate, depending on the physical condition, family medical history, and the nature of the work. The trick to purchasing health insurance properly is also to know how much medical expenses you will have to pay if you have a current illness.

2. The policy should be adjusted according to the actual situation. Every three to five years, people should pay attention to opening their own insurance policy to check whether it is necessary to increase the sum insured, and make some appropriate adjustments according to changes in family members and financial situation.

3. It is better to buy long-term insurance than to buy annual insurance. Long-term health insurance is generally paid evenly every year at the rate corresponding to the year you start the insurance. The younger the policyholder, the lower the premiums to be paid.

4. It is better to pay the premium annually. Although there will be some ** discounts on the one-time payment, it is better to pay the premium of health insurance annually.

Generally, it is purchased according to the principle of protection first and financial management later.

The concept of health insurance is very broad, and there are many types, and it would be nice to be able to describe it in more detail.

First, health and medical care, this is the most commonly used insurance in our daily life, everything has a headache and brain fever, and hospitalization needs to be considered from this aspect. At present, health and medical insurance includes general inpatient medical care, million medical care, outpatient medical care, accident medical care and other types of insurance, which all belong to the category of health insurance.

Second, critical illness insurance, this is an insurance product that is specifically responsible for the start of critical illness after the occurrence of critical illness, and we now sell a lot of critical illness insurance, which is called critical illness insurance by the state, which should cover at least 25 common critical illnesses. At present, the products withdrawn by various companies cover almost more than 100 kinds of diseases, and some products have launched insurance liabilities such as pre-disease, mild disease, and moderate disease. Relatively more and more humane.

Third, nursing insurance, these can also be classified as health insurance, nursing insurance is mainly a type of insurance that pays for life disability or when assistance is needed, but now there are very few exclusive products of this type in China.

As for the question that what kind of health insurance is better, it is impossible to generalize. At present, the hot-selling products on the market include millions of medical treatment, and there are more critical illness insurance. It can be given due consideration.

Under normal circumstances, the purpose of our health insurance is relatively clear: first, we don't want to bear the medical expenses ourselves, and second, if it is serious, it will not affect the family's economy during the first period.

When it comes to health insurance, there are two scenarios here:

The first is medical coverage, which covers the risk of outpatient and inpatient expenses due to general illness or accident.

Usually in this case, the individual bears a part, and social security also reimburses a part. If you go a little further, you need a commercial medical supplement. The characteristic is that you can repay as much as you spend, and you will be reimbursed.

At present, almost all medical insurance products are one-year, with hundreds of one-year coverage for general medical care, and hundreds of one-year coverage for millions of specific diseases, the difference lies in the reimbursement amount, reimbursement scope, deductible amount, hospital scope, geographical scope, etc.

Of course, if you have strong financial ability, you can consider choosing high-end medical care (outpatient + inpatient), arranging medical treatment, enjoying direct billing services, green channel skipping lines, and inpatient single room wards, which is simply the treatment of old cadres.

In the second case, there is a risk that medical expenses will increase significantly and family income will decrease due to a major illness caused by an accident or a serious illness caused by the body.

The harm of major diseases is mainly in three aspects:

With the continuous development of the economy and society, people pay more and more attention to the safety of their lives and property, so people pay more and more attention to health insurance and life insurance. These netizens are very curious about how to buy more preferential health insurance? How can I pick out some good insurance brands?

In the face of various questions and doubts raised by the majority of netizens and friends, we first need to fully understand what health insurance is. Health insurance, referred to as health insurance, mainly includes medical insurance, sickness insurance, loss of disability income insurance, nursing care insurance, and medical accident insurance. It refers to life insurance in which the insurer pays the insurance money to the insured when the insured suffers from physical illness.

Health insurance usually covers medical expenses, loss of income, funeral expenses, and living expenses for survivors. We should carefully compare the insurance contract given by each insurance company, and make a judgment on the specific insurance content, here I recommend Pacific Insurance Company, because the health insurance given by this insurance company is better, and the insurance items are more detailed and diverse. <>

One: Compare carefullyEach insurance company gives a very different discount for health insurance, and each insurance company can provide different insurance items for health insurance, so when we choose to buy health insurance, we need to carefully compare the content of the insurance, only in this way can we choose some better insurance. <>

2. PrecautionsAfter we have purchased health insurance, we must keep the relevant insurance contract and electronic policy. And when we need to be reimbursed for health insurance, we have to issue a certificate from the hospital and actually go to the relevant insurance company for reimbursement.

If you want to buy health insurance, you must find a reliable company to buy it, so that you will not lose money, and it is more cost-effective to choose health insurance from China Merchants Bank.

If you want to buy health insurance, you can go to a regular insurance company to buy it, you can choose a life insurance company, and the health insurance of Zhejiang Insurance Company is better.

If you want to buy health insurance, you can go to the insurance company to buy it, you can choose Ping An Life Insurance, this company's health insurance is better.

If you want to buy health insurance, you should go to your local insurance company to buy it, and you must bring the relevant documents. Health insurance Chinese life is good.

There are many health insurance policies on the market, and common products include: critical illness insurance, medical insurance, cancer prevention insurance, nursing care insurance, etc. There are many differences between these insurance products, and how to buy them depends on what protection the insured needs for themselves.

If you are not sure whether you are suitable for health insurance, you can take a look at the following article: Is it necessary to buy health insurance? Be sure to pay attention to these routines!

If the insured is not old and in good physical condition, you can give priority to purchasing critical illness insurance and medical insurance. Both critical illness insurance and medical insurance can cover the financial loss of the insured person in the event of illness.

Among them, critical illness insurance is a benefit-type insurance, which will directly pay a sum of money to the insured when he suffers from a critical illness and meets the conditions for payment, and the insurance company will not interfere with how the money is used.

Medical insurance, on the other hand, is reimbursement insurance, which is more like the plus version of medical insurance, and its reimbursement scope will be wider than that of medical insurance, and the reimbursement ratio will be higher. Of course, medical insurance has its own shortcomings, and it cannot completely replace critical illness insurance. If you don't know much about this idea, you can click on the link below:

After reading these contents of medical insurance, you will know why you should buy critical illness insurance.

It is also worth noting that both critical illness insurance and medical insurance have strict health notices, and if the insured person is not in good health, it is likely that the health notice will not be passed. At this time, it is more suitable for him to take out cancer insurance, which is generally more lenient in health notices. Cancer insurance is also a type of health insurance, and the main purpose of this type of insurance is to transfer the risk of financial loss due to cancer for the insured person.

Cancer is one of the most terrible critical illnesses, and with cancer insurance, even if the insured suffers from cancer, as long as it meets the contract, then you can get adequate protection.

Regarding the basic situation of cancer prevention insurance, the senior sister will talk about it here first. If you want to know more about this type of insurance, you can click on the link below: What is cancer insurance, how to buy it, which one is better, comprehensive analysis, comparative evaluation.

Talisman Health Insurance.

Suppose 30-year-old Mr. Wang, about 800 yuan a month in Ping An, gives you the following account:

1. Effective in 3 minutes, personal protection of 250,000 yuan, to life;

2. Effective in 3 minutes, accident benefit of 300,000 until the age of 70;

3. Effective in 3 minutes, 100% reimbursement of medical expenses for accidental medical treatment of 100-50,000 yuan, and a daily subsidy of 100 yuan for hospitalization;

Fourth, 3 minutes will take effect, and double compensation will be paid for accidents caused by self-driving or car, that is, 600,000 + 250,000;

5. Effective within 30 days, hospitalization expenses, that is, reimbursement for hospitalization due to illness, reimbursement of 80% of reasonable expenses;

6. Effective in 30 days, hospitalization subsidy, as long as hospitalization is subsidized 100 yuan per day;

7. Effective in 90 days, 40,000 yuan for mild and critical illness. (i.e., in the early stage of critical illness, this part of the money is paid in addition); If you are hospitalized, you will receive a subsidy of 100 yuan per day;

8. Effective in 90 days, 200,000 major diseases, including 470 kinds of 30 categories, once detected, only a diagnosis certificate is required, and a daily subsidy of 100 yuan is provided if hospitalized;

9. Exemption: If a critical illness occurs during the payment period, after the company pays the compensation, the insurance premium for the subsequent periods will be paid by the insurance company, and the customer's interests remain unchanged;

10. Growing up insurance, this kind of insurance will slowly increase over time, for example, the current 200,000 critical illness protection will increase to 250,000 or 300,000 over time;

11. Pension supplement, when you are 60 years old, you can take it out as a pension supplement, which is also a large amount! Insurance, the embodiment of love and responsibility!

I am an account manager of Ping An of China, and the above sum insured is adjustable. If the premium is relatively expensive, it is recommended to pay for 30 years. The younger you are, the cheaper the premium.

Ping An insurance is good, very good, very good. Don't hesitate to listen to me.

It's good to buy insurance! Ping An of China, Life Insurance, Pacific, Taiping, Taikang, and AIA are a few of the better companies! Ping An's business situation in the past few years has been relatively good.

Hello, you can consider Ping An Life's products. How old are you this year and how much money do you expect to save each year without pressure?

Xinhua Insurance has the lowest health insurance rate, called Health Fuxing, which has a policy exemption function, so buy it now, and the health insurance rate of all insurance companies will rise immediately.