Which health insurance is good Which health insurance is the best

For us ordinary people, it is the most cost-effective to buy millions of medical insurance, because it only costs a few hundred yuan a year, and you can buy millions of insurance amounts, and the protection leverage is very high.

Next, what are the types of medical insurance?

1) Million Medical Insurance.

A 30-year-old person, two or three hundred yuan a year, can buy millions of insurance amounts. If you have a serious illness and need hundreds of thousands or even millions of medical expenses, it plays a super high role.

2) Micro-medical insurance.

The sum insured of this type of product is generally only 1-50,000 yuan, mainly for minor illnesses and pains. This type of product is generally 0 deductible, and a few have a deductible of one or two hundred yuan.

3) Cancer prevention medical insurance.

Reimbursement is only made for medical expenses incurred due to cancer. Although it only covers cancer, cancer is also considered a major disease, and its cost is also very expensive.

4) High-end medical insurance.

The annual premium is tens of thousands, but it is comprehensive, private hospitals can also report, and you can also enjoy a variety of high-end medical services, which is more suitable for people who have money and want a higher medical experience.

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Million Medical Insurance, Small Medical Insurance, Specific Disease Medical Insurance and High-end Medical Insurance.

1. Million Medical Insurance: General inpatient and outpatient critical illness insurance amount.

There is no restriction on social security medication. It should be noted that for reimbursement products such as million medical insurance, there is no need to worry about the sum insured of 3 million or 8 million, and it is difficult for medical expenses to reach such a high amount within a year, but you can focus on the deductible.

, the lower the deductible, the better. The coverage content of different million medical insurance will also be slightly different (whether it can be reimbursed for purchased drugs, etc.), and you should compare it according to your own needs.

2. Small medical insurance: Small medical insurance is to solve the part of the medical expenses below 10,000 yuan that cannot be reimbursed by medical insurance, and it also perfectly solves the problem of deductibles of millions of medical insurance, so it is often called the "good partner" of millions of medical insurance. However, there are also some small medical insurance that are not comprehensive in terms of coverage, so you must pay attention to the coverage and reimbursement scope when purchasing.

3. Medical insurance for specific diseases: Most of these products are cancer prevention medical insurance, that is, they only cover cancer.

**Medical expenses incurred.

4. High-end medical insurance: In addition to reimbursing the cost of medical treatment, high-end medical insurance can greatly improve the medical experience of the insured, such as: living in a special needs international ward, having experts for diagnosis and treatment, no need to queue up**, good ward hardware, etc.

There is no specific insurance product which is the best, the same type of product will be slightly different, we need to find the best one that suits our needs.

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 buy social security, you can participate in the insurance, ** 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.

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-dollar medical insurance first, because the coverage of million-dollar 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 mid-to-high-end medical insurance has a wider coverage and higher sum insured, 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.

1. The scope of reimbursement should be wide.

There is no doubt that the million medical insurance mainly covers hospitalization.

However, when selecting products, it is necessary to determine whether to limit the use of drugs within the scope of social security. Priority is given to the reimbursement that is not limited to social security, so that we can be willful when we are the first to choose which one is better.

Secondly, it is to determine whether the outpatient reimbursement includes special outpatient services, such as outpatient anti-rejection ** fees after organ transplantation, outpatient surgery fees, etc. If there is, better.

In addition, outpatient expenses will also be incurred before and after hospitalization, can this part be reimbursed? If it is very thoughtful to carry this responsibility, the current excellent products will agree that the outpatient treatment of 7 days before and 30 days after hospitalization can be reimbursed.

2. Better renewal conditions.

At present, there are almost no medical insurance products on the market that are renewed for life, and most of them are only insured for one year, and they have to be repurchased every year.

Therefore, there may be a situation where the insurance company will raise the premium or even remove it from the shelves because the product loss ratio is too high.

Therefore, when you buy medical insurance, it is best to buy a product that guarantees the renewal of the policy for a period of time, such as 6 years or 15 years.

During this time, the policy can still be renewed after the claim is settled, and the rate will not be adjusted.

Also pay attention to how to renew the policy when the guaranteed renewal period expires.

You can focus on the description of the following three situations:

1) If it is on sale, do I need to re-inform my health when I renew the policy?

2) If my physical condition changes, do I need to pay more?

3) If the product is discontinued, can I renew the medical insurance product of the same company?

At present, the excellent product renewal conditions are: guaranteed renewal for xx years, guaranteed renewal at the end of the renewal period and the product can be renewed if the product is on sale, no health notice, no recalculation of the waiting period, but the rate may be adjusted.

3. Lower deductible.

The deductible is the amount that the insurance company does not reimburse. At present, the standard configuration of "million medical insurance" is a deductible of 10,000 yuan, that is, medical expenses below 10,000 yuan, which cannot be reimbursed.

But now there are also insurance companies that are forced by competitive pressure to make some selling points on deductibles. For example, the deductible is reduced from 10,000 yuan to 5,000 yuan, and the deductible is 0 for critical illness or a total of 10,000 deductibles for six years. If the difference is not much, the one with the lower deductible is preferred.

Arnold answered:

Hello! At present, medical insurance in the insurance market mainly includes critical illness insurance and hospitalization medical insurance, and general hospitalization medical insurance is mostly additional insurance, and the premium is not high, so it is recommended that you focus on critical illness insurance when buying medical insurance.

According to your description, it is recommended that you have the option of purchasing Life Tree Cancer Reimbursement Medical Insurance, which has many advantages:

1.Cheap, cost-effective, the lowest 15 yuan per month, there are two kinds of **, respectively, with or without social security, crowd customization, more money-saving, 20-year-old men (with social security), 1 million insurance amount, only 435 yuan in the first year!

2.Unlimited social security catalog, inpatient and outpatient, cancer diagnosis, surgery, re-examination, radiotherapy and chemotherapy, targeting.

3.Drugs can be reported, with a maximum compensation of 2.4 million, and according to the contract, the annual compensation amount is as high as 1 million, with a cumulative maximum of 2.4 million, and carcinoma in situ can also be compensated without deductible.

4.Claim settlement is simple, green channel for small amount quick compensation, special green channel for small amount quick claim, fast compensation below 3,000 yuan.

The above is a good introduction to buying medical insurance, I hope it can bring you reference value and choose the right insurance for you.

Different types of medical insurance are suitable for different groups of people, and which one is better depends on your own conditions.

Micro-medical insurance.

Small medical insurance, as the name suggests, is a kind of medical insurance with a relatively low amount of insurance, which usually only reimburses up to 150,000 yuan. There is basically no deductible for this type of medical insurance, as long as you spend money on medical treatment, you can report it within the scope of the claim! Other medical insurance plans are generally reimbursed if the cost exceeds the deductible.

Generally speaking, if ordinary people have a cold and fever to their feet, the annual cost will basically not exceed one or two thousand. That's why micro-medical insurance can often come in handy.

So what kind of people are suitable for buying small medical insurance?

Infants and young children are prone to colds and fevers because their immune systems have not yet been formed, and children are lively and active, so it is inevitable that there will be bumps; Adults with poor physical fitness occasionally need to run to the hospital; In this case, it is more suitable to buy a small medical insurance with no deductible.

Million Medical Insurance.

Million medical insurance means that the insured amount generally has a medical insurance of several million. The deductible of million medical insurance is higher than that of small medical insurance, which is basically 10,000 yuan. However, it filters out a lot of small claims and will be relatively stable.

Generally speaking, Million Medical is reported for hospitalization, and some can also be reported for imported drugs and special drugs.

Million medical insurance is more suitable for teenagers, young adults, and prime of life who are at risk of serious illness and worried about insufficient medical insurance reimbursement.

Cancer medical insurance.

Cancer medical insurance is a type of medical insurance that will only pay if you have cancer. General medical insurance also has strict age restrictions, and you can't apply for insurance if you exceed a certain age (Huixiaobao has seen that the upper limit of insurance is 65 years old). As a result, many elderly people who need health protection are turned away because of their age.

Fewer restrictions on cancer medical insurance! Whether you have chronic diseases such as three highs and diabetes, or the elderly (generally not more than 80 years old), you can buy it!

These products are suitable for people with physical abnormalities or older age.

High-end medical insurance.

High-end medical insurance, simply put, is medical insurance that can improve the efficiency and experience of medical treatment.

High-end medical insurance generally provides a better medical environment and medical resources. In addition, it will also provide services such as expert appointments, help arranging medical treatment, secondary diagnosis and treatment, and special green channels. Some even have the insurance company pay the medical expenses directly, saving the trouble of reimbursement.

Some high-end medical insurance can also arrange overseas medical treatment, use more advanced medical equipment, and adopt more cutting-edge means.

High-end medical insurance is suitable for people with sufficient financial conditions.