What is the best medical insurance for my mother and how to buy medical insurance?

The medical insurance for urban residents is a state-compensatory insurance, which is of course very good.

At this age, it is expensive to buy commercial insurance.

It is already difficult to buy commercial medical insurance at this age, it is recommended to consider Ping An Universal Insurance Zhiying Life, mainly to protect a serious illness, but it is estimated that you must have a physical examination first, and it is more difficult to buy insurance when you are old

You can consider the country's second insurance policy, which is known as soon as you ask about the community information, and commercial insurance is said separately

There is a kind of medical insurance once a year that is more suitable, pay 100 yuan a year, and the specific problems can be understood by consulting the local community.

With the development of good medical insurance over time, it has now been upgraded to the 2020 version, and the health notice of good medical insurance 2020 is a little stricter, and the premium is more expensive than the previous version of good medical insurance. Whether it is reliable or not and whether it is worth buying depends on whether the product is suitable for the needs of the insured in all aspects. Daddy will next analyze the good medical insurance for your reference.

New liability: Critical illness allowance

If the insured suffers from the agreed 100 critical illnesses, regardless of whether he or she has been hospitalized**, he or she will immediately receive a critical illness allowance of 10,000 yuan.

2.Cancer Specific Drug Services

In the 2020 long-term medical care of good medical insurance, for the purchase of cancer drugs, as long as the review is passed, the required money will be directly paid to the special effect pharmacy, which can be simply understood as the direct advance payment of the purchased drugs.

3.Proton heavy ions

Proton heavy ion is currently the most advanced means of cancer.

The 2018 version of Good Medical Insurance has an insurance amount of 1 million, but only 60% of the coverage is reimbursed.

After the upgrade, the 2020 version of good medical insurance, the sum insured has not changed, and the reimbursement ratio has been increased to 100%.

That's a nice step forward. For more detailed medical insurance content, please **:"Is Good Medical Insurance Long-Term Medical Care 2020 Reliable? How much do you know about the terms and conditions?

Daddy compared the million-dollar medical insurance on the market with the good medical insurance 2020, as shown in the following table:

Healthy body insurance: Zhong'an Exclusive e-Life 2019

This product has relatively strict health notices, low risk of discontinuation of sales, and strong protection functions. The rate after the age of 50 is much cheaper than that of Good Medicare 2020.

Guaranteed renewal: Good Medical Insurance 2020, Ping An e-Life Insurance Guaranteed Renewal Version

Both products have a 6-year guaranteed renewal, and Good Medical Insurance 2020 enjoys a 6-year cumulative deductible;

Fancy the deductible: enjoy e-life

Most million medical insurance plans have a 10,000 deductible, while Joy eLife has a 0 deductible.

Patients with thyroid nodules: Zhong'an enjoys e-life and excellent A

Patients with thyroid nodules have very lenient insurance conditions. For people with thyroid nodules grade 1-3, they can be insured as standard, and if they suffer from thyroid cancer in the future, they can be paid normally.

Thyroid nodules grade 4-6 can be deferred or re-covered after surgery, and for people with thyroid cancer, there is also a chance to apply for insurance after surgery.

In general, the upgraded Good Medical Insurance 2020 coverage has increased, and it is also competitive in the market. However, the increase in health notices and the increase in premiums have reduced the cost performance, and many sick people can no longer be easily insured. Dad suggests that friends who want to take out medical insurance compare with friends on the market, combined with their own circumstances, to see which is more suitable for you to insure.

Hope the above information can help you!

Of course it works!Alipay is not an insurance company, but an insurance sales platform, and the underwriting, after-sales and claims of insurance products are all completed by the insurance company behind it. Therefore, the insurance products on Alipay are reliable.

The subject mentioned the product of good medical insurance, so I will analyze it below, and I have written out the detailed introduction of this product in advance:Alipay [Good Medical Insurance]: There are other flaws behind the cheapness.

Good medical insurance long-term medical insuranceThe coverage is very simple.

Sum insuredThe amount of insurance determines the extent to which the reimbursement can be reported, and the hospitalization medical expenses are 2 million, while the reimbursement amount for critical illness is 4 million. Overall, this amount is sufficient.

RenewalMany medical insurance policies are paid once a year and are not guaranteed to be renewed, but this product can be guaranteed6-year renewal, that is, no matter what happens to the insured within 6 years, the policy can be renewed, and it will remain unchanged, which can be said to be the biggest highlight of this product.

DeductibleMany million medical insurance on the market has a deductible of 10,000 yuan for 1 year, while good medical insurance has a cumulative deductible of 10,000 yuan for 6 years, and 100 kinds of critical illnesses have 0 deductibles. Compared with other million-dollar medical insurance products, the deductible design advantages of good medical insurance are also very obvious.

Proton heavy ionsAt present, the most common critical illness is cancer, and the most cutting-edge technology of cancer is proton heavy ion technology, which is short in time, less harmful to healthy tissues, and low, and the local control rate of tumors is also high, and the rate is as high as that。But a course of treatment is probablyAbout 300,000。Good medical insurance can reimburse 60% of the medical expenses of proton and heavy ions, and the cumulative benefit limit is 1 million yuan.

In general, this product is still very good, and the reviews on the market are very good, and you can buy a million insurance for a few hundred yuan!To make it more obvious, I've compared it to other million-dollar medical insurance, and the conclusion is below!

Comparison table between good medical insurance and domestic popular million medical insurance.

Reliable, as the first million-dollar medical insurance product in China with a 6-year guaranteed renewal, Good Medical Insurance has been online for a long time, and the scale of the special account has continued to grow rapidly, which has been tired.

It is the longest-term Internet mid-range medical insurance in the insurance market with the longest protection time and the widest coverage of the new generation of insurers.

It is understood that the 5 types of diseases with the highest amount of long-term medical claims are acute myocardial infarction, esophageal malignancy, traumatic brain injury, B-cell lymphoma and acute severe pancreatitis, and the cost remains highFor example, Mr. Li, a customer from Hunan Province, received a total of 10,000 yuan in medical insurance claims when he was admitted to the hospital**, which is equivalent to 28 times the average annual income of local people, effectively alleviating the burden of high medical expenses.

(1) Apply for medical insurance as a resident.

Residents are mainly insured by the pension insurance for urban and rural residents and the medical insurance for urban and rural residents, and you need to have a local hukou to go to the social security service point of the local community street, or the social security bureau (labor and social security bureau) at the district and county level. This kind of medical insurance for ordinary residents is very affordable, and the cost of seeing a doctor will be much lower, and the resident medical insurance is still very good.

2) Apply for medical insurance as a flexible employee.

The state stipulates that self-employed people without employees and other people with flexible employment can pay medical insurance as flexible employees. The procedures are not complicated, and you only need to hold a local household registration or residence permit (some areas can) to apply for employee pension insurance and employee medical insurance.

2. What is the reimbursement scope of medical insurance?

The reimbursement scope of medical insurance is mainly limited by the minimum payment line, the ceiling line, the reimbursement ratio and the "two fixed points and three catalogs".

The formula for calculating medical insurance is for everyone:

Medical insurance reimbursement amount = (**Total cost - Minimum payment line - Expenses outside the reimbursement scope) Reimbursement ratio;

The amount of medical insurance self-payment = **Total cost - the amount that can be reimbursed - the balance of the personal account.

1) Medical insurance payment line.

The medical insurance threshold refers to the starting point of the medical expenses reimbursed by the state. If we do not accumulate more than the threshold within a year, then these medical expenses will need to be paid in our personal medical insurance account or paid by the individual. Only if the minimum payment line is exceeded, the excess will be reimbursed proportionally by the social co-ordination**.

2) Medical insurance cap line.

The medical insurance ceiling line refers to the maximum amount of medical expenses reimbursed by the state, which refers to the maximum amount that can be reimbursed for medical treatment in a natural year. Due to the different economic conditions in different regions, the medical insurance ceiling line in different regions is not the same, in principle, the medical insurance ceiling is controlled at about 6 times the average annual salary of local employees.

3) Medical insurance reimbursement ratio.

When medical insurance reimburses us for medical expenses, it adopts a co-payment system. That is, when we make medical insurance reimbursement, the social pool** reimburses a part (generally 70% 90%), and the individual bears the remaining part.

3. What are the benefits of medical insurance?

Medical expenses can be reimbursed if you get sick under medical insurance. Medical insurance gathers the economic strength of enterprises and individuals, plus the financial support, the formation of medical insurance, can give material help to sick workers.

Under certain conditions, medical insurance can cover hospitalization expenses, surgery costs, drug costs and other expenses to minimize the loss caused by illness to the family. The establishment and implementation of the medical insurance system plays an important role in cultivating the awareness of self-protection of the whole people, implementing self-accumulation, enhancing the ability of self-medical security, controlling medical expenses, making effective use of health resources, advocating moderate medical consumption, and carrying forward the spirit of mutual assistance and mutual assistance.

The handling method of the medical insurance card is as follows:

1. The insured person should bring his or her valid documents (ID card, household registration booklet, etc.) to the neighboring district and county medical insurance center to apply for processing, and the district and county medical insurance center will complete the application on the spot.

2. The insured can also apply for the service point of medical insurance affairs in the adjacent street (town) (hereinafter referred to as the service point), and the service point will be completed within 3 working days. The insured person should go to the service point within the specified time to collect the "Medical Insurance Card" handled on behalf of the insured.

3. The insured can entrust others to handle it on his behalf. The entrusted person shall bring the valid documents of himself and the insured person when handling the application. 4. When the employer handles the application in a centralized manner, it can go to the district and county medical insurance center to which it belongs with the letter of introduction of the unit and the valid certificate of the person in charge, and then the employer will issue the "Medical Insurance Card" to the insured.

Individuals who purchase social medical insurance can bring their valid ID card and household registration book to the local medical insurance center to apply for medical insurance business, which can generally be completed on the spot.

The insured can also go to the town's medical insurance center to apply for social medical insurance on behalf of the applicant, which will generally be completed within 3 working days. The insured can go to the medical insurance center to collect the "medical insurance card" within the specified time.

There are two types of situations in which individuals purchase social medical insurance:

1. If the insured is still working in the unit, the purchase of social medical insurance should be purchased by the unit, and social insurance includes: endowment insurance, medical insurance, unemployment insurance, maternity insurance, and work-related injury insurance.

2. If you are an individual who buys social medical insurance, in addition to buying social medical insurance, you can also purchase endowment insurance and maternity insurance. The insured only needs to bring his ID card and household registration book to the local social security bureau to handle it.

It is also reliable to buy a pack online and buy it through legitimate channels. Be sure to choose a formal channel and be clear about what insurance you want to buy. Read the product terms carefully. ÷

There are many types of insurance products online, so you should first know what your needs are and what insurance you want to buy. Read the terms and conditions carefully to find out which insurance is right for you.

Upon receipt of the e-Policy, you should check the policy coverage obligations. The policyholder, the insured, the insurance company and other information, so that you know it in your heart, don't try to save trouble.

If you only buy medical insurance, you can go to the national security network, where you can buy it.

There are also Alipay city services, and you can see it when you find social security after opening it.

According to your own economic situation, determine what kind of social security to buy, according to what grade to buy, and pay on time every year.

The number of years you have to buy medical insurance must be enough. The minimum is 20 years for women, and 25 or 30 years for men.

How to apply for medical insurance:

Payment in the name of an individual: You need to apply to the social security bureau where your household registration is located, and the procedures include: your ID card, two of the recent bareheaded one-inch **, premiums, application forms, etc. And it can only handle two kinds of pension and medical insurance;

The amount of contribution is calculated based on the local average salary of the previous year, and it is not the same every year. In addition, the minimum and maximum levels are also stipulated, and the payment of the lowest level shall not be less than 60% of the average monthly wage of employees at the social level, and the highest level shall be 300% of the average monthly salary of employees. Generally, the lowest grade is the most;

In addition, the minimum payment period of endowment insurance is 180 months, that is, 15 years, medical insurance needs to be paid for at least 25 30 years, and you can apply for pension treatment and medical reimbursement when you reach retirement age (as long as the renewal is usually possible).

Individuals can make their own social security contributions.

How to apply: 1. How to pay social security for individuals can go to social security (pension + medical care) as a freelancer.

2. Participation conditions: urban hukou or rural to non-hukou.

3. Location: social security service points in local community streets, or social security bureaus (labor and social security bureaus) at the district and county level.

4. The basic information required in the question of how to pay social security for individuals: household registration book, ID card and photocopy, 2 1-inch **.