Which is better, Lifetime Medical Protection Insurance or Medicare? Choose one of the two! 100

Lifetime medical protection insurance generally wants to divide dividends or return the amount you insured to you within a certain period of time, because I don't know the kind of lifelong medical protection insurance you are using, so I will introduce it to you.

Anxin is a lifelong medical investment protection plan that integrates lifelong medical treatment, personal protection and investment.

1.Before retirement. You can enjoy 28 critical illnesses and 2

Critical Illness Premium Waiver Benefit. 3.In addition to the original 28 types of critical illnesses, 14 types of chronic diseases that the elderly are most likely to suffer from are added.

There are a total of 42 kinds of diabetes, coronary heart disease, etc., which are the only ones in the market at present. 4.The plan provides customers with a high proportion of general inpatient and outpatient medical expenses protection for retirement, which is lifelong and is currently the only one in the market.

There is also a maximum annual reimbursement of medical expenses of 20% of the premium, 5In order to pay attention to health, 3% of the annual premium paid by customers every two years before retirement is provided as a medical examination allowance, 6More user-friendly, the customer has always been in good health, and after retirement, the basic sum insured will be increased by 5 per year for up to 20 years, the sum insured will be doubled, and it is completely free.

In terms of investment, the investment-linked account is stable, growing, and resistant to falling to win the trust and praise of customers, 7 in the investment 8 premium deferral, you can continue to enrich your investment account, flexible payment, 9If you need money urgently, you can also withdraw the account value from the investment account for free.10 If you agree with the investment account, you can choose the way to invest at one time, and add additional funds to invest to increase your income.11 In the event of death, the company will pay you the death insurance and return the cash value at that time.

Hello: Rural insurance is equivalent to the medical insurance of urban social security, just the most basic medical security, lifelong medical insurance, is a kind of payment type of disease protection, they are complementary, it is recommended that you can take a look at the insurance terms of life medical insurance, so that it will be clearer!

The medical insurance in our social security is the medical insurance that guarantees you for life. There is no lifetime coverage in commercial insurance.

The medical insurance that guarantees life is the employee medical insurance, as long as we pay enough for 25 years.

After 25 years of medical insurance, you can stop paying medical insurance, and then you can enjoy medical security benefits.

Is there a lifetime medical insurance? Yes, of course, with the amount, Xinhua Insurance is good, I did it there.

Regarding the subject's medical insurance, it is a commercial act to diversify the risks that may arise from medical treatment for customers.

Medical security: I think it generally refers to the preferential medical policies for specific groups of people.

The difference between medical insurance and medical security is that medical insurance is a kind of medical security that includes many other ways in addition to medical insurance.

1. Different responsibilities insurance is a kind of risk management through contract mutual aid, using the law of large numbers for actuarial science, in a broad sense, is a kind of commercial and market behavior, although social insurance is a leading behavior, but can not be separated from the essence of insurance; Security emphasizes more on responsibility and effect, and both the area and the point should be taken into account (the area should be wide and the point should be accurate), including the content of medical assistance and targeted poverty alleviation, as well as the mobilization of social forces (including commercial insurance) to do a good job in comprehensive medical security. 2. The focus of insurance is from the perspective of the insurer, the insured and the agency, and the purpose of social medical insurance is achieved by balancing the relationship between the three parties; Guarantee more from the comprehensive related parties (pharmaceutical companies, diagnosis and treatment facility manufacturers, pharmaceutical service institutions, long-term care institutions, inspection and inspection centers, insureds, units, handling agencies, commercial insurance, banks and third-party payment institutions, etc.) comprehensive consideration, coordination, straightening out the relationship between them, pay attention to results, but also pay attention to process capabilities, more emphasis on the "three medical linkage", to achieve the overall optimal. 3. The final implementation of different insurance is the settlement of claims in terms of money, focusing on the balance of income and expenditure, and the way adopted is often single, and the measures often have a certain degree of compromise; Safeguards place more emphasis on comprehensive services and efficiency, so the measures, intensity, and coordination taken are stronger, and the reach is deeper, and they are more proactive.

The difference between medical insurance and medical insurance, medical insurance is medical insurance with the nature of insurance, but the lowest medical insurance.

The difference between medical insurance and medical insurance is that medical insurance refers to you, through your own payment or the company pays for you into a medical insurance, if there is a problem in the event of hospitalization, the medical insurance system will provide you with reimbursement Medical insurance is a large category, refers to the coverage of the entire country's national medical security.

Medical insurance belongs to the category of social insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease, while medical insurance is a commercial insurance that is operated by insurance companies. Profit-making in nature.

The difference between medical insurance and medical security, in general, medical insurance and medical security are two words with different meanings, medical insurance may be some personal medical insurance, and medical insurance may be something else.

What is the difference between Medicare and Medicare? Medicare is a specific thing, while Medicare is a generic name. There is a big difference between the two.

Medical insurance refers to the basic medical insurance premiums that should be paid in full and on time by employers and individual employees in accordance with the principle of compulsory social insurance enacted by the state.

There are more and more types of insurance, which is dazzling, but now people themselves are willing to take the initiative to buy insurance, because insurance is a good way to avoid risks in many cases. So among the types of insurance, is there any whole life insurance? What are they?

The following Heihe lawyers will answer these questions for you!

Now there are many lifelong insurances, if it is health care, then only critical illness insurance is lifelong, and the inpatient medical treatment for minor illnesses is paid once a year. Now that the country implements universal medical insurance, these minor illnesses can be solved by the state's medical insurance in Tongzheng. Chinese-Life Kang-Ning Life is a good critical illness insurance.

As for dividend insurance, Chinese-life is now not managed for life, at most until the age of eighty.

What are the characteristics of lifelong medical insurance?

1] Medical insurance, valid for life.

"Hospital Cash Benefit" = Daily Cash Allowance Actual number of days of hospitalization. The subsidy for "the same hospitalization accident*" is up to 180 days; Surgery** Surgical Cash Subsidy = Daily Cash Subsidy Multiplier corresponding to the surgical grade; The guarantee is valid for life, and the above two subsidies can cumulatively reach 1,000 times the "daily cash subsidy".

2] Low premiums, high protection.

With only a small amount of premium expenditure per year, you can get 10-200,000 yuan of lifelong medical protection.

3] A variety of payment methods, insurance is as simple as Chang.

30 days to 60 years old can be insured A variety of payment periods are available, making family financial arrangements more convenient and flexible.

4] Provide cash subsidies to effectively supplement social medical insurance.

In addition to the reimbursement of social medical insurance and other expense-reimbursement insurance, you can also receive the current Oakson Gold subsidy for hospitalization and surgery. Medical treatment is more reassuring and comprehensive.

In addition to providing lifelong health insurance, "account-based" health insurance is a completely new concept. "Account-based" medical insurance is equivalent to establishing a "personal medical account" for each customer, and the medical expenses incurred are debited from their own account, and the account value of the account without medical expenses is also retained, and the insured will be returned to the customer in the form of death or total disability insurance benefits when the insured dies or becomes totally disabled due to accident or illness.

In addition, the whole life medical insurance is very comprehensive, and the medical protection it provides covers almost all medical items before, during and after hospitalization, as well as the protection for death or total disability caused by accident or illness; Secondly, the number of days of hospitalization benefit is long, up to 365 days at a time, and the accumulation is unlimited, which can fully cover the medical needs in most cases; In addition, there is no deductible days, and there is no limit on the first 3 days of hospitalization for some insurance types, and the benefit amount is calculated according to the actual number of days of hospitalization, which can maximize the protection of customer interests.

As I said above, many companies have whole life insurance, and there are many types, but if it is health care, then only major illnesses are available.

How to buy lifelong medical insurance? Lifetime medical insurance is literally understood as a lifelong medical insurance treatment, and the insured can be reimbursed for medical expenses before death after purchasing medical insurance. So, how to buy lifelong medical insurance?

At present, China's lifelong medical insurance mainly includes commercial lifelong medical insurance and social medical insurance. Among them, if the social basic medical insurance needs to be enjoyed for life, the participant must pay for the specified number of years before retirement. For example, the conditions for enjoying lifelong medical protection for Beijing social medical insurance are that women need to pay for 20 years, and men need to pay for 25 years, and after the insured reaches the statutory retirement age, he does not need to pay insurance premiums and can enjoy lifelong medical insurance.

Compared with social medical insurance, the payment term and payment method of commercial whole medical insurance are flexible and diverse, in addition, most of the commercial whole medical insurance also has a certain insurance income function, and the policyholder invests in asset management at the same time, but also takes into account the final grasp of the file medical insurance.

How do I choose and purchase lifelong medical insurance?

First of all, it is necessary to understand the types of lifetime medical insurance. As a result, there are a variety of whole life medical insurance products on the market, and the protection priorities of different types of insurance are also different, so everyone must pay attention to them when choosing.

In addition, according to the different payment methods, the whole life medical insurance is divided into account type and daily payment type, the account type no longer pays after paying a certain amount, and the daily payment type can pay for the number of hospitalizations and medical treatment and the number of days, and there is no upper limit. According to the limitation of geographical space, the whole life medical insurance is divided into two types: domestic and foreign, the liquidation scope of domestic life medical insurance is limited to the medical expenses incurred by the insured in China, and the foreign whole life medical insurance supports the payment function of the world's medical expenses, and the claim amount of the insured comes mostly from the account of the local financial institution.

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