The rate of long term medical insurance products can be adjusted, will the price increase be arbitra

The renewal period of medical insurance is getting longer and longer, and now it can be renewed for 20 years, and the rate of long-term medical insurance products is adjustable, but the insurance company may adjust the rate renewal** is uncertain, but it will not be adjusted for a certain person, and it will be adjusted uniformly

For long-term medical insurance with adjustable rates, the rates may be adjusted during the guaranteed renewal period. Therefore, some people are worried that these long-term medical insurance with adjustable rates will not be low in the early stage, attracting people to insure, and the follow-up will be raised. There is nothing to worry about.

The Notice on Matters Concerning the Rate Adjustment of Long-term Medical Insurance Products issued by the China Banking and Insurance Regulatory Commission in April 2020 has strict restrictions on the rate adjustment: the conditions for the rate adjustment of long-term medical insurance products are as followsThe first rate adjustment shall not be earlier than 3 years from the date of listing of the product, and the interval between each rate adjustment shall not be less than 1 year.

Insurance companies are not allowed to implement differentiated rate adjustment policies due to differences in the physical condition of individual insureds. A price adjustment is not possible until 3 years after the product has been on the market and the loss ratio exceeds 85%. There is also a strict limit on price adjustments, up to 30% at a time.

In other words, the rate is not adjusted arbitrarily, but has certain rules, and is often related to the situation at the time, the overall increase in medical rates, etc., these situations are also exogenous variables for insurance companies, not for insurance companies to operate.

In addition, there are uniform regulatory provisions on the trigger conditions for the rate adjustment of such products, and even if the price is adjusted, it is a price adjustment as a whole or by age group. There will not be a situation where because someone's physical condition has deteriorated, and only the price will be increased for this person in the second year, and the price will not be increased for others.

Taking Ping An Health's e-life insurance long-term medical insurance as an example, customers can enjoy 2 million yuan of general medical insurance, 2 million yuan of insurance for 120 specific diseases, and a total limit of 8 million yuan during the guaranteed renewal period if the insurance is guaranteed to be renewed for 20 years. The insured age covers 0-55 years old, the annual deductible is 10,000 yuan, and 100% of the coverage is paid, covering inpatient medical treatment, outpatient and emergency medical treatment for 30 days before and after hospitalization and designated outpatient and emergency medical treatment. Set up a discount on the family rate, and the discount can be enjoyed for 3 people or more.

In general, the price increase of long-term medical insurance should be reasonable, and it cannot be said that it will rise, and the rate adjustment process must be clearly written in the contract, so you don't have to worry about the problem of random price increases.

The first point is that the medical insurance policy is different from year to year. The medical insurance we used to pay.

It's about more than 50 yuan, and then it will be ** year by year, and now it is 320 yuan, which has a lot to do with the medical insurance policy. In the past, our medical insurance policy had certain restrictions on the amount of reimbursement for hospitalization, but now we enjoy a larger amount of medical insurance, and the proportion of reimbursement is larger, which is more convenient. Today's medical insurance policy, because there are a lot of drugs are available.

Reimbursement is available, so the ** for medical insurance has been adjusted. <>

The second point is that the price of medical insurance is also the price of medical insurance. The current price of goods is indeed more powerful, and people's income has been generally improved, so the medical insurance will also be affected by this. In fact, this is a very normal behavior, in the past, our rice was only a pound more, and now it has risen to more than two or three yuan, here I have to say that it is caused by the factors of price ** and currency depreciation.

The third point is that in order to better reduce people's medical burden, medical insurance ****. Although the living conditions are better, some people need to pay high medical expenses once they get sick, so in order to help people reduce the medical burden, this medical insurance has been added. Medical insurance has a function, in fact, it is to gather more people to buy medical insurance, and use the money to pay for those who are already sick and need help, and give them money for **.

When this Medicare**.

Finally, although the medical insurance will be every year, the subsidies are also increasing, so we don't have to worry too much about the cost of medical insurance. For rural residents' medical insurance, in fact, this money can be used to buy some disease-related drugs, and we can also be reimbursed when we go to the outpatient clinic.

The medical insurance policy is different every year, and now the price is in the first place, and the first medical insurance has also risen, which is a very normal phenomenon.

Because the medical insurance policy is different every year, and the price is also very strong, and in order to reduce people's burden, medical insurance will be **.

Because there will be a lot of people to see a doctor every year, and we will spend a lot of money every year to see a doctor, so the medical insurance will be a little more **, which is acceptable to everyone, and the ** range is very small.

Because of the different medical insurance policies, coupled with the reason of the price **, the medical insurance will rise every year.

Hello, it's a pleasure to answer the <> for you

The reasons for the annual increase in medical insurance prices are as follows:1With the development of economic collapse, personal salary income has increased, and the corresponding medical insurance will also increase accordingly.

2.The scope of medical insurance has been expanded, the number of insured drugs has gradually increased, and the medical insurance will also sell liquid. 3.

To improve the level of medical security, it is necessary to have sufficient medical insurance costs. Although the amount of money paid by individuals has increased, so has the amount of money subsidized by the state.

Hello, dear. The reasons for the rise and fall of medical insurance year by year: 1

With the development of the economy, personal salary income has increased, and the corresponding medical insurance will also increase accordingly. 2.The scope of medical treatment has been expanded, and the number of insured drugs has gradually increased, and the medical insurance will also be **.

3.To improve the level of medical security, it is necessary to have sufficient medical insurance costs. Although the amount of individual contributions has increased, the amount of state subsidies has also increased.

Medical insurance refers to social medical insurance. Social medical insurance is a social insurance system established by the state and society in accordance with certain laws and regulations to provide basic medical needs for workers within the scope of protection in case of illness. The basic medical insurance consists of a co-ordination plan and an individual account.

The basic medical insurance premiums paid by individual employees are all included in their personal accounts; The basic medical insurance premium paid by the employer is divided into two parts, one part is transferred to the personal account, and the other part is used to establish the overall plan.

The above is good, but when it comes to the bottom, it is very different, all day long thinking about what method to use to wrap themselves, and if they can't finish it, they will give the people a deal to deal with, and their work is done.

Hello! This is mainly due to the following reasons:

1.The growth of the overall economic level of the society has led to the annual increase in medical expenses**.

2.Due to environmental pollution and food safety problems, the overall human disease rate is rising. So the whole computing model is constantly changing.

To put it simply, 100 people pay money, and before only one person was sick, it cost 1,000 yuan. Then everyone can pay 10 yuan at the beginning. Now 100 people pay money and two people get sick, and one person needs 2,000 yuan, so everyone needs to pay 40 yuan at the beginning to maintain this model!

Keep pace with the times with prices.

If it is due to environmental protection, then the country should do a good job of environmental protection! This will only put us peasants to death.