Who knows what the specific requirements are for health insurance?

Let me talk about my own health insurance with my own purchase, their requirements are very simple, that is, within 30 days of birth and 50 weeks, a very loose insurance policy, most people can buy, this is not the most important, can protect up to 42 kinds of major diseases, for minors also have the corresponding disease range control, and ** is very low, 30% lower than the same insurance company the day before yesterday

First of all, if you are in good health, if you have a history of disease, you need to tell the truth, and you will undergo a physical examination

As long as you are healthy, the younger you are, the cheaper it is, Xinhua Health Insurance covers 60 kinds of critical illnesses: 15 kinds of mild diseases, you can contact me if you need to consult, thank you!

If you are in good health, if you have a history of illness, you must tell the truth, otherwise it will be affected once the claim occurs.

There is no history of disease, if there is any, the company will have a physical examination or refuse insurance.

You can apply for insurance if you are in good health.

It is necessary to confirm that it is a standard body, and if there is a previous medical history, it is necessary to tell the truth.

Hello, must be healthy now, and those who have a history of medical history should be truthful.

Be in good health and have no history of disease.

Summary. Hello dear! Health insurance includes medical insurance, sickness insurance, income protection insurance, and long-term care insurance.

1. Medical insurance: not only includes the doctor's medical expenses and surgical expenses, but also includes the expenses of hospitalization, nursing, hospital equipment, etc.

2. Sickness insurance: insurance that takes illness as a condition for the payment of insurance benefits.

3. Income protection insurance: insurance that interrupts or reduces income due to accidental injury or illness as a condition for the payment of insurance benefits.

4. Long-term care insurance: health insurance that compensates for the cost of nursing services for the insured who needs long-term care due to old age, illness or disability.

Does health insurance include health care?

Hello dear! Health insurance includes medical insurance, sickness insurance, income protection insurance, and long-term care insurance. 1. Medical insurance:

It includes not only the doctor's medical expenses and surgery costs, but also the cost of hospitalization, nursing, hospital equipment, etc. 2. Sickness insurance: insurance that takes illness as a condition for the payment of insurance benefits.

3. Income protection insurance: insurance that interrupts or reduces income due to accidental injury or illness as a condition for the payment of insurance benefits. 4. Long-term care insurance:

Health insurance that provides reimbursement for the cost of nursing care services for insured persons who require long-term care due to old age, illness or disability.

Country & Region> China > Premium Income: Monthly Compilation by Region: Health > China CN: Insurance Premium: Year to Date: Health Care: Beijing.

What does this sentence mean, the cost of insurance in terms of health care?

Dear, this is just the data displayed on the phone, just look at it, it has nothing to do with yourself. China|Premium Income: Monthly Compilation by Region|Explore experts** and historical data on economic indicators for 195 countries and territories.

1、？Health insurance is a type of insurance that takes the health status of the insured as the basic starting point and provides compensation for the medical expenses of the insured. 2. The difference between health insurance and general life insurance is that health insurance is based on the incidence of diseases and the incidence of accidental injuries.

Health insurance covers the event of illness and accidental injury, not death, unlike other life insurance plans that use the life table as the basis for determining the premium rate. Therefore, the rate of health insurance is empirical rate, and not general life insurance with a fixed life table. Health insurance accident refers to illness, accidental injury, etc., there are many kinds of human diseases, there are many different types of health insurance, for various diseases, all age levels can be combined, each type of insurance has a certain customer base, more types of insurance, more customers, especially some of the incidence is low, but once it happens, most families are difficult to afford their medical expenses insurance, but also has the characteristics of low rates and high protection.

However, the type of general life insurance is only a combination of survival and death benefits, and there are few types of insurance. 3. What are the types of commercial health insurance? Commercial health insurance includes critical illness insurance, hospitalization expense reimbursement insurance, and hospitalization subsidy insurance.

Critical illness insurance is based on the occurrence of illness, and under normal circumstances, as long as the insured is diagnosed with a certain disease defined in the contract, no matter how much medical expenses are incurred, he can be compensated according to the amount agreed in the insurance contract. Hospitalization expense reimbursement insurance is based on the condition of reimbursement of hospitalization medical expenses caused by accidents or illnesses, and reimbursement is made according to the proportion agreed in the insurance contract. This type of insurance is complementary to social insurance and other commercial insurance, and the claim is paid after the insured is hospitalized, and the insured needs to provide corresponding invoices for expenses.

Hospitalization subsidy insurance is an income protection insurance in which the insured is hospitalized due to an accident or illness, and the insurance company pays the insurance subsidy according to the standard agreed in the contract, which has nothing to do with social insurance and other commercial medical insurance, and is also paid after the hospitalization.

The underwriting conditions of health insurance are generally stricter than life insurance, because illness is the main risk of health insurance, so the factors arising from illness need to be quite strictly reviewed, generally based on the medical records of the insured, to understand the past and present medical history of the insured, and sometimes to understand the family medical history of the insured.

In addition, the occupation of the insured person, the geographical location and lifestyle of the insured person should be assessed. In terms of underwriting standards, there are generally the following provisions:

1) Observation period.

Since it is difficult to judge whether the insured has suffered from certain diseases based only on the previous medical records, in order to prevent the insured from taking out insurance for the disease, it is sometimes necessary to stipulate an observation period or exemption period in the policy, and the observation period is generally half a year.

2) Secondary health policy.

For the insured who cannot meet the physical health requirements stipulated in the standard clauses, the first department carefully searches for coverage according to the sub-health policy, and there are two possible methods: one is to increase the premium, and the other is to re-stipulate the coverage scope, such as underwriting a certain disease or a certain insurance liability as an endorsement.

3) Special Illness Policy.

For the special illness suffered by the insured, the insurer has formulated special clauses to cover the specified special illness.

The underwriting conditions of health insurance are generally stricter than life insurance, because illness is the main risk of health insurance, so the factors arising from illness need to be quite strictly reviewed, generally judged according to the medical records of the insured, to understand the past and present medical history of the insured's body, and sometimes to understand the family medical history of the insured.

In addition, the occupation engaged in by the insured, the geographical location and lifestyle of the insured should also be evaluated. In terms of the department's prudent search for underwriting standards, there are generally the following provisions:

1) Observation period.

Since it is difficult to judge whether the insured has suffered from certain diseases based only on the previous medical records, in order to prevent the insured from taking out insurance for the disease, it is sometimes necessary to stipulate an observation period or exemption period in the policy, and the observation period is generally half a year.

2) Secondary health policy.

For the insured who cannot meet the physical health requirements stipulated in the standard clauses, it is generally underwritten according to the sub-health policy, and there are two possible ways to use in this case: one is to increase the premium, and the other is to re-stipulate the coverage, such as excluding a certain illness or certain insurance liability as an endorsement before underwriting.

3) Special Illness Policy.

For the special illness suffered by the insured, the insurer has formulated special provisions to cover the specified special illness.

The so-called health insurance, simply put, is an insurance that can prevent the economic risk caused by diseases, and can protect the physical health of the insured.

For example, medical insurance in health insurance, when the insured is hospitalized due to illness, medical insurance can play its role.

Health insurance, which is the Chinese abbreviation of health insurance, refers to the insurance company through illness insurance, medical insurance, disability income loss insurance and nursing care insurance to the loss of the object due to health reasons.

In short, health insurance covers the physical health of the insured person.

Health insurance can be divided into medical insurance, sickness insurance, disability income loss insurance, and nursing care insurance. People who want to buy insurance generally choose critical illness insurance or medical insurance first.

(1) Critical illness insurance

Critical illness insurance is mainly for critical illnesses, suitable for children, adults, and some middle-aged and elderly people.

There are a few things to keep in mind when choosing a product:

1. Mild, moderate and critical illness protection should be complete.

It's not enough to just protect against critical illness, a good product also needs to protect both mild and moderate illness. At the same time, it is also necessary to pay attention to whether there is as much coverage as possible for high-incidence mild and moderate diseases, and the wider the coverage, the higher the probability of claims. The number of critical illnesses cannot be used as one of the main criteria.

The new regulations on critical illness insurance specify that all critical illness insurance must cover 28 high-incidence critical illnesses, which already covers the vast majority of high-incidence diseases, so there is not much difference between covering 100 illnesses and 80 illnesses.

2. Choose an adequate sum insured.

At present, it usually costs about 300,000 yuan for a serious illness, and if you want better means, the cost is at least 500,000 yuan or more. Therefore, when choosing critical illness insurance, it is best to take the sum insured as the minimum requirement of 300,000, and at least reach the basic ** line. If the financial conditions allow, you can also add the sum insured.

Make your protection more adequate".

3. It is better to have multiple claims for cancer and other bonus points.

Critical illness insurance not only has basic benefits such as death and exemption of the insured, but also has the advantages of multiple claims for cancer, making the protection very comprehensive. More comprehensive suggestions on critical illness insurance are all summarized and full of dry goods, remember to receive:"Top 10 New Definition Critical Illness Insurance** Points to Buy".

(2) Medical insurance

Medical insurance is generally considered to be a supplement to medical insurance and has the effect of reimbursement, so it is necessary to pay attention to the following when choosing:

1. Pay attention to the content of guarantees.

General hospitalization and critical illness hospitalization, special outpatient services, outpatient surgeries, and outpatient and emergency visits before and after hospitalization are all covered by the basic coverage of medical insurance. A good million-dollar medical insurance must be as comprehensive as possible, because this is beneficial to consumers, which means that our reimbursement scope is wider and we can reimburse more medical expenses.

2. Look at the renewal conditions.

When you apply for medical insurance, it is recommended that you choose a product with more relaxed renewal conditions or guaranteed renewal. A good insurance policy will not either refuse to cover or increase the premium due to the insured's deterioration or claim.

3. Pay attention to value-added services.

There are some more practical value-added services, such as advance payment of inpatient medical expenses, green pass for medical treatment, proton and heavy ion reimbursement, etc., the more the better. If you want to know more about the value-added services of related medical insurance, the following article is a must-read for you:"About medical insurance"Value-added services"You have to understand that!

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Health insurance includes medical insurance, sickness insurance, disability income compensation insurance, long-term care insurance, etc. Health insurance can transfer the economic risk caused by the insured's diagnosis and treatment due to illness, such as million medical insurance, small medical insurance, critical illness insurance, nursing insurance, cancer prevention insurance, etc., which are more common health call insurance. If you want to know more about health insurance, you can check here:

Is it necessary to buy health insurance? These routines must be paid attention to messy good!

Health insurance refers to life insurance in which the insurer pays the insurance benefit to the insured person when he or she suffers from a physical illness. So what types of health insurance are available?

What types of health insurance are available?

1.Health insurance.

Medical insurance is a social insurance system established to compensate workers for economic losses caused by the risk of illness. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution Zhikuan will give them a certain amount of economic compensation. For example, the five insurances and one housing fund we pay include medical insurance.

2.Sickness insurance.

Sickness insurance is an insurance in which the insurer bears the responsibility of paying insurance benefits in accordance with the provisions of the insurance contract for the loss of income and expenses caused by illness or childbirth, or death or disability caused by illness or childbirth. Sickness insurance is mainly based on critical illness insurance.

3.Disability income insurance.

Disability income insurance refers to the insurance in which the insured loses his or her ability to work due to illness or accidental injury as agreed in the insurance contract, and the insurance company pays insurance money to make up for the loss of income of the insured.

4,。Long-term care insurance.

Nursing care insurance refers to the insurance that provides the insured with protection for nursing expenses due to the insured's daily living ability impairment as agreed in the insurance contract.

5.Accident medical insurance.

Accident medical insurance mainly protects the insured from incurring reasonable and necessary medical expenses due to accidents agreed in the insurance contract during the insurance period.

How to choose health insurance?

1.When choosing a health insurance car, the first choice should be critical illness insurance, and after having critical illness protection, you can choose to purchase a supporting general illness medical insurance to reimburse medical expenses.

2.The amount of insurance coverage should be determined based on the medical expenses that need to be paid in the event of a current illness in our country.

3.It is recommended to pay the premium annually if you choose a savings type of health insurance, so that the financial pressure will be lower.

Investors should choose the type of health insurance and the amount of insurance according to their needs to avoid unnecessary losses, the above is all the content, I hope it will help you.