Is it suitable for freelancers to buy good life million medical insurance?

I myself am a small business, because I don't have a unit, so I pay social security by myself and the community, but it is inevitable that there will be missed payments. In order to give myself an extra layer of protection, I also bought a good life million medical insurance. This is also recommended by my business partners, who all say that the Good Life Million Medical Insurance has a wide range of coverage and a fast payout.

However, for me, the high payout of the Good Life Million Medical Insurance reassures me that if I am really diagnosed with 100 diseases within a specific critical illness, I don't have to worry about medical expenses, after all, most of my family's funds are invested in business, and it is still very troublesome to turn around. In addition, whether it is the service arranged for the first diagnosis of critical illness or the service of hospitalization advance, it is not available in other medical insurance. Therefore, freelancers can start with confidence, and an extra layer of security is an extra peace of mind.

I bought Good Life Million Dollar Medical Insurance. The coverage is wide and the payouts are fast. Freelancers can start with confidence, and an extra layer of security is an extra peace of mind.

I bought Good Life Million Dollar Medical Insurance. It is said that the coverage is wide and the compensation speed is also very fast. There are also high payouts, which reassures me that if I am diagnosed with 100 specific critical illnesses, I don't have to worry about medical expenses.

The types of insurance to be configured at different times of life are different, and like consumption, buying insurance also depends on your needs.

1. It is still necessary for young people to buy millions of medical insurance, although most young people now have social security, but there is a limit on the threshold under social security, and there are many self-paid parts, for patients, they still need to face high medical expenses, and commercial medical insurance can be a good supplement to social security.

2. The coverage of million medical insurance is relatively wide, and the bed fee, meal fee, nursing fee, intensive care unit fee, examination fee, surgery fee, anesthesia fee, drug fee, material fee, ** fee, consultation fee, etc. will be reimbursed, and some million medical insurance will also give green pass service.

3. Million medical insurance premiums are cheap and the amount insured is high. As long as a few hundred to a thousand premiums a year, you can buy up to one million dollars, and even young people can afford to pay premiums.

4. However, the million medical insurance has a deductible, the amount is about 10,000, and the insurance company only reimburses the part that exceeds the deductible, and the protection period is only one year, and it may face the risk of stopping sales at any time.

Extended Information:1Million medical insurance means that after the user applies for insurance, if the disease specified in the insurance contract occurs, the user can get a maximum of 1 million compensation, which attracts many people to buy after the launch of this insurance. Moreover, the premium of this kind of insurance is not very high, and there are many types of diseases covered.

In fact, there are many matters that need to be paid attention to by policyholders when purchasing million medical insurance, such as the deductible amount of many million medical insurance, most insurance companies set a limit of 10,000 yuan, and many insurance companies also stipulate that social security must be deducted when making claims, and finally reimbursement is made according to the actual expenses of the insured.

2.When applying for medical insurance, you must pay attention to its coverage and know what diseases can be reimbursed and what diseases cannot be reimbursed; Then there is how much money you need to pay every year, the amount of this insurance is generally different every year, and the older you are, the more premiums you pay.

3.When buying million-dollar medical insurance, you must tell yourself truthfully about your previous situation, especially whether you have had a critical illness, so as to avoid disputes when reimbursing. There is a 90-day waiting period when purchasing medical insurance, and if you get sick within 90 days, you will not be reimbursed, but you will be reimbursed after 90 days.

1: You can buy medical insurance separately (I can do it locally, I don't know other places), and you have to apply separately.

2: Urban residents' medical insurance can be reimbursed in both outpatient and inpatient areas, but the proportion is different.

The others are commercial insurance, and I know that the medical insurance supported by the first financial support is in two categories: employee insurance (civil servants, institutions, enterprises) and urban and rural residents' medical insurance (urban residents' medical insurance). The freelancers you mentioned can buy enterprise employee medical insurance as self-employed workers, but the specific policy is subject to the local social security unit.

The difference between the annual payment of freelance medical insurance and the monthly payment is as follows:

1. If you pay once a year, you should go to the resident medical insurance or NCMS, and the payment standard should be stipulated by the local social security bureau;

2. If it is paid once a month, it is generally a flexible employment social security, and the payment is based on the average local salary of the previous year, and the treatment is similar to that of employee medical insurance.

3. If you pay once a month, the cost is higher than that paid once a year, and the reimbursement ratio is also high.

Note: Basic medical insurance is a social insurance system established to compensate workers for economic losses caused by the risk of illness. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance agency will give a certain amount of economic compensation, so as to avoid or reduce the economic risk caused by the illness of the worker.

Hello! You yourself have opened a ** shop at home and belong to freelancers. Freelancers are undoubtedly one of the most difficult social groups in today's society to start a business, with the most unstable income and the most irregular life.

It is very necessary for freelancers who open their own ** shop from home to buy health insurance. For freelancers who open ** shops at home, the pressure on social medical expenses is also very huge, so it is necessary for us to take precautions to increase medical insurance protection for ourselves. As for how to buy suitable medical insurance products for freelancers who open ** shops at home, a professional hospital medical insurance insurance insurance platform is inseparable and recommended to you.

How can a freelancer who runs a shop from home buy suitable medical insurance?

1.Before purchasing medical insurance, be sure to read the terms of insurance liability carefully to understand the scope of liability of the medical insurance coverage.

2.When applying for insurance, pay attention to truthful notification and signature, choose a hospital approved by the insurance company when hospitalized and report the case in time, and require the first person to make a list of the required information at one time and keep it as needed.

3.Be aware of the deductible. For compensatory medical insurance, insurance companies have a deductible, and those who are less than the deductible cannot be compensated.

Medical insurance is insurance that takes a person's health status as the subject matter of insurance. A variety of commercial medical insurance benefits are available, and you can choose the right commercial medical insurance coverage for you according to your own protection needs. Recommended for you:

As a freelancer, you can only participate in pension insurance and medical insurance. There are specific provisions for the payment of endowment insurance and medical insurance: endowment insurance:

Bring your ID card, unemployment certificate and 2 1-inch ** cards to the business window of the local social security center. Medical insurance: After completing the endowment insurance procedures, bring the above materials and the completed endowment insurance handbook to the business window of the local medical insurance center.

Just pay the fee normally according to the regulations!

2..The payment base for freelancers, urban individual industrial and commercial households and flexible employment personnel to participate in the basic pension insurance is the average salary of local on-the-job workers in the previous year, and the contribution ratio is 20, of which 8 is credited to the personal account, and the basic pension is calculated and paid according to the basic pension calculation and payment method for enterprise employees after retirement.

3.In terms of medical insurance, freelancers and self-employed people can choose to only build a co-ordination **, not a personal account, and pay basic medical insurance premiums according to the average monthly salary of the local previous year; You can also choose to pay 8% of the average monthly salary of the previous year in the local area and set up a personal account! Employees participate in medical insurance by the unit to bear 6%, and the individual to bear 2%.

How to buy social security for freelancers.

Most people don't know how to choose medical insurance, you can take a look at this 2020 latest medical insurance product comparison table, after reading it, you will know which one is better: what are the good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurance in 2020.

Generally speaking, it is necessary to configure medical insurance before purchasing commercial medical insurance. Medical insurance is the most basic protection, and there are not too many health requirements for the insured, and it is very cheap. Commercial medical insurance is a supplement to medical insurance, which includes some items that are not covered by medical insurance, such as imported drugs, high-end ** fees, examination fees, etc.

At present, there are many kinds of medical insurance on the market, and the common ones are three types: million medical insurance, hospitalization medical insurance, and cancer prevention medical insurance.

Let's talk about the differences between these 3 types:

1. Million medical insurance.

Millions of medical insurance is suitable for most people, first of all, it is the most affordable, secondly, the amount of reimbursement is high, and there is no restriction on reimbursement of diseases, a few hundred yuan a year can give you millions of protection, which can be said to be very cost-effective. In addition, it also has a very comprehensive insurance content, such as bed fees, nursing fees, surgery fees, drug costs, material costs, etc., which can be reimbursed.

The following is a brief analysis of several popular million-dollar medical insurances:

Combined with **, a simple review of godly socks.

1) Good medical insurance: Its renewal conditions are really much better than other million medical insurance. During the 6-year period, there will be no refusal or premium increase due to suspension of product sales or changes in physical health.

2) Exclusive e-life: Added postoperative home care, oncology special drug services, and increased the option of family sharing deductible.

3) Micro-medical insurance: Compared with the other two, this one adds the value-added service of international second diagnosis and treatment.

From the above analysis, we can know that each product has its own characteristics, and we choose Liangji according to our own needs.

In addition to the 3 mentioned here, there are many million medical insurance products worth buying, and friends who want to know can take a look at the original article: What are the good medical insurance recommendations for Blind Feng? An inventory of the top 20 best-selling high-quality medical insurance in 2020.

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 visits, which are generally suitable for children under 5 years of age or the elderly. Because babies and the elderly are weaker and more prone to minor diseases, relatively speaking, this kind of insurance plays a greater role in them.

3. Cancer prevention medical insurance.

At present, the vast majority of millions of medical insurance and hospitalization medical insurance on the market are insured at the age of 0-60 years old.

Cancer medical insurance is a type of insurance specifically designed for cancer, which can be purchased even by people in their 70s, and the health requirements are relatively relaxed. If you have some minor physical problems or are older, it is more suitable to buy this one.

This kind of ** is greatly affected by physical fitness and age, here are some more worthwhile cancer medical insurance products, interested can take a look: what are the good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurance in 2020.

If you are talking about social security, in the current environment, it is still necessary for freelancers to buy social security. I pay my own social security.

Not to mention whether the pension insurance can operate normally after 30 years, at least the medical insurance in the social security is very necessary in the current environment of such high medical costs.

For example, if you don't pay social security for minor illnesses, you will pay all of them yourself. As for social security, you can help reimburse part of it, or you can directly use the balance of the account over the years if you pay more years.

If it is a serious illness or a major illness, if you don't have social security, you have to prepare a dozen or two hundred thousand yuan by yourself, and social security can reimburse a considerable part.

At present, the medical insurance of social security is a tiered reimbursement. The minimum payment line ranges from 600-1000, and the starting line is 20,000 yuan, and the reimbursement ratio is 76%; 20,000 to 40,000 is 80% of the reimbursement ratio of the first level, 40,000 to 180,000 is 82% of the reimbursement ratio of the first level, and more than 180,000 is also 82% of the reimbursement, provided that the major diseases in the medical insurance are insured.

The above example is based on Hangzhou municipal medical insurance.

If you're talking about commercial insurance, it depends on the individual's income.

Basically, social security is wide coverage and low security. Commercial insurance is a supplement to social security, but commercial insurance needs to have a certain amount of spending power.

Hope it helps.

Freelancers can pay social security for flexible employees, and there are only two types of pension insurance and medical insurance, and you can buy pension alone or pay both types of insurance together.

If you also want to be able to get a pension when you reach the statutory retirement age, buy social security, but you must pay at least 15 years.