What about hospital insurance? Is it necessary to buy it?

It is still very necessary to buy hospitalization insurance, and I hope people can pay good attention to it. After all, people nowadays will have some physical diseases, and they also need to go to the hospital for treatment at this time. If you buy hospitalization insurance, then you don't have to bear so many expenses, so everyone can also buy hospitalization insurance.

This is also very secure, and I hope that people can pay good attention to this aspect of things, which is also responsible for their own health. <>

Many netizens who are responsible for their own health said that if there are some diseases in their body, they need to have relevant hospitalization insurance at this time. This is also a very secure thing, and it will not make people feel extra stressed, so everyone should pay attention to this aspect in advance. After all, people nowadays will have some minor physical problems at every turn, and they also need to go to the hospital for treatment at this time.

If you don't buy hospitalization insurance, then you are not responsible for your health. <>

If you can pay attention to this aspect of things, you will also find that buying hospital insurance is a very correct thing to do. Because many people will go to the hospital in a hurry, and many people will choose to go to a big hospital for treatment when they have some physical diseases. If you don't have hospitalization insurance, then there is no need to take so many risks, and you can treat yourself with peace of mind, so this is also a great guarantee.

I also hope that everyone can pay good attention, there may be some people who don't care too much about this matter, which leads to being very panicked when they have a physical illness, and it will also bring some bad performance. <>

Hospitalization insurance is very secure, if everyone can pay good attention to it, then you will also find that hospitalization insurance is a more favorable protection. Because buying hospitalization insurance can also make you better treated, there is no need to take such a high risk. If everyone doesn't pay attention, then the damage caused is relatively bad, which is also very bad.

Some netizens said that if they did not buy hospitalization insurance, they would also have a lot of anxiety if they got sick in the future.

It is very secure, and at the same time it can also be reimbursed, and it can also reduce some family burdens, it is necessary to buy, if the hospitalization situation is more serious, it is very necessary to buy hospitalization insurance.

Of course, it is necessary to buy it, because this hospitalization insurance can help us a lot, and it can also guarantee that there will be no problems during our hospitalization.

I think hospitalization insurance is very good, this insurance can play a key role when you are sick and hospitalized, it is necessary to buy.

It is necessary. It is necessary to buy hospitalization medical insurance, because hospitalization medical insurance can reimburse the medical expenses incurred in hospitalization, and the scope of reimbursement is wider than that of medical insurance, and it also contains hospitalization allowances and the like, and the deductible is relatively low.

Extended Information: I. Concepts.

1.Hospitalization medical insurance refers to the health insurance in which the insurer is responsible for the expenses incurred by the insured due to an accident or illness and needs to be hospitalized**.

2.The purpose is to solve the problem of high expenses incurred by the insured due to hospitalization. In order to prevent the insured from deliberately prolonging the hospitalization time and incurring unreasonable medical expenses, there is a deductible period for the first or non-continuous application for hospitalization medical insurance, and it is usually a critical illness.

The hospitalization exemption period is longer than the hospitalization exemption period for general illness. However, there is no exclusion period for accidental hospitalization and continuous insurance. This type of insurance contract usually also has provisions such as the maximum length of hospital stay and the amount of the daily allowance.

Second, the main content.

1 Insurance Liability.

During the validity period of this contract, the insured shall be liable for the inpatient medical expenses paid by the insured due to accidental injury or illness in the designated hospital after 60 days after the effective date of the contract (except for renewal).

1) Hospitalization fee protection. The hospitalization insurance premium is paid according to the actual cost of the insured's inpatient bed, and the daily benefit limit and the maximum number of days of payment per hospitalization are stipulated.

2) Hospitalization miscellaneous expenses and surgical expenses. The insurance company shall calculate and pay the insurance benefits to the insured for the miscellaneous expenses and surgical expenses incurred by each hospitalization according to the agreed proportion. Miscellaneous and surgical expenses refer to general nursing expenses.

Medical expenses, ** fees, diagnosis and treatment fees, examination fees, laboratory fees, radiation fees, anesthesia fees.

Fees, blood transfusions, oxygen infusions, materials, and surgeries. During the validity period of this contract, the insurance company shall pay the insurance benefits separately according to the provisions of the insured, regardless of the hospitalization medical expenses incurred by the insured for one or more times, and the cumulative insurance benefits shall reach the insured amount.

When the contract is in full, the contract will cease.

2 Exclusion of Liability.

The insurance company shall not be liable to pay the insurance money for the hospitalization medical expenses paid by the insured due to one of the following reasons:

1) The insured's intentional act causes the insured to be injured or hospitalized;

2) The insured intentionally commits a crime or resists arrest;

3) Fight, drunkenness, suicide, intentional self-injury, taking, smoking, and injecting drugs;

4) Accidents caused by the insured's influence on alcohol, drugs, and controlled substances;

5) The insured is driving a motor vehicle without a license or prohibited by law.

and driving without a valid driver's license or under the influence of alcohol.

motor vehicles;

6) Various chronic diseases that have been suffered before the insurance;

7) The insured person is diagnosed with AIDS.

AIDS) or HIV (HIV-positive);

8) The insured's pregnancy, fetal security, miscarriage, childbirth, birth control, and the damage or illness caused thereby;

9) Cosmetic surgery, plastic surgery, correction of natural deformities, dental ** and surgery;

Introduction: With the development of society now, there are also a variety of insurances, such as broken screen insurance, insurance, hospitalization insurance, etc. If you buy it, you are afraid of spending money in vain, but you don't feel at ease if you don't buy it, because if you buy an insurance, in the event of an accident, it will solve most of the costs, and today I will explain to you whether it is necessary to buy hospitalization insurance.

First, the waiting period of hospitalization insurance has a certain understanding of the insurance friends should know that pay different types of insurance, its waiting period is also different, if there is an individual accident insurance, then it will depend on how the insurance company contract is stipulated. The waiting period for insurance companies is generally three months. If you are hospitalized due to an accident, there is no waiting period.

Second, the number of days and scope of insurance compensation Most friends feel that since they have bought hospitalization insurance, as long as they are hospitalized, the insurance company will pay for it. However, the actual situation is that the insurance company's hospitalization insurance will generally not make a claim for more than half a year. In addition, there may be hospitalization patients who do not want to be discharged, for such a scenario, hospitalization insurance also has a related way, if you are hospitalized due to an accident due to high-risk activities such as diving, rock climbing and other dangerous actions, although you have bought hospitalization insurance, but the insurance company will not compensate.

When you are discharged from the hospital, you must go through the formal discharge procedures. When you are hospitalized, try to go to a public hospital, and some insurance companies do not pay for private hospitals. And the insurance company will not compensate for the expenses incurred by the **center, spirit**, etc.

3. It should be noted that although most people choose to buy insurance, most of them may not be able to use it. If you choose to buy hospitalization insurance, it is different, because like some older people, the possibility of hospitalization will be great, so it is recommended to buy hospitalization insurance for older people, even if you buy insurance, the insurance company has certain restrictions when making claims, you must read carefully when signing the contract, and understand more, because it is impossible for the insurance company to carefully explain each clause to us, and do not go well when the claim is made, and complain that the insurance company deceives people. Therefore, you must read the contract carefully when buying any insurance.

Personally, I feel that it is necessary to buy hospitalization insurance, because I need a large amount of expenses when I am hospitalized, and hospitalization insurance can reimburse most of this cost.

It is necessary to purchase it, so as to ensure that if there are some problems during the hospitalization, the hospital will be able to bear all the compensation, and it will also be able to get a certain benefit.

I don't think it's necessary to buy hospitalization insurance, because many young people only stay in the hospital once in a while, and if you buy hospitalization insurance often, I think it's very cost-effective.

Zhong'an 10,000 Yuan Insurance, Allianz Hospital Treasure Plan.

1. Children's hospitalization 10,000 yuan care 2020, peace of mind living 10,000 yuan insurance, 360 student insurance plan.

Hospitalization medical insurance is an insurance that compensates for reasonable and necessary medical expenses incurred by the insured person who needs to be hospitalized due to illness or accidental injury**.

Further Information: Benefits of Inpatient Medical Insurance:

1.The threshold for claims is low.

The deductible is usually very low, generally about 200 yuan, and the inpatient medical expenses can be reimbursed if they reach the threshold of more than 200 yuan.

2.Reimbursement is not limited to social security.

General hospitalization medical insurance, the insured can reimburse 60% of the medical expenses even if there is no social security; There are also some products that can be reimbursed both inside and outside social security.

3.Wide coverage.

Reasonable medical expenses are reimbursable. For example, common fevers, colds or allergies.

Disadvantages of Inpatient Medical Insurance:

1.Low sum insured.

The insured amount of hospitalization medical insurance is not high, and the insured amount is about 50,000 yuan. If you have a critical illness and the medical expenses are 100,000 yuan or more, this insurance amount is completely insufficient.

2.It is difficult to renew the policy.

Because the threshold for hospitalization medical insurance claims is low, it is easy to get out of the insurance. If you go out during the policy period, it may be difficult to renew the policy in the second year, and the premium will be**.

Hospitalization Insurance Coverage:

Hospitalization medical insurance covers the coverage of daily hospitalization benefits as well as medical insurance benefits for hospitalization. More specifically, it is the hospitalization medical insurance benefit, including the compensation of the insured's ** fee, diagnosis and treatment fee, medical fee, ** fee and so on.

Different insurance companies will have different coverage of compensation, for example, some insurance companies will list the cost of surgery, while some insurance companies will include the cost of surgery. In addition, the cost borne by the insurance company is the actual cost of the user minus the reimbursement cost of the unit.

Hospitalization medical insurance does not cover outpatient medical expenses incurred by the insured person. There is a term called hospitalization daily benefit which means that the insurance company will pay the medical allowance for hospitalization according to the number of days the insured is hospitalized.

Regarding the deductible days, some companies will set the deductible days to 3 days, which means that the insurance company will not pay for the hospitalization medical allowance for the first 3 days. As for the number of days of hospitalization, in order to control the user's unnecessary hospitalization for a long time, the insurance company generally sets the number of hospitalization days to 90 days or half a year.

AnswerFirst of all, hospitalization medical insurance includes the cost of medicines, hospitalization, fees, examination costs, and material costs. Accident hospitalization medical insurance can be given priority when purchasing hospitalization medical insurance, and it is important to understand the coverage of the product, reimbursement ratio and deductible when purchasing this insurance.

Units that meet the conditions for insurance can go to the social security service hall to apply for insurance for their employees, and flexible employees can bring relevant documents to the medical insurance office. Medical insurance is paid for by both the business and the individual.

Chinese Life has a Kangyue medical insurance, pure medical insurance, low payment, high protection, very cost-effective.