In everyday life, everyone is not immune to the risk of disease. In the face of disease risks, many people will pay more attention to medical insurance and want to solve the problem of medical expenses through medical insurance.
However, it is not difficult for careful friends to find that there are many subdivisions of medical insurance. When buying insurance, many policyholders will be entangled in which one to buy.
Here, Wutongjun will give you a detailed introduction to the specific situation of various subdivided medical insurance to help you make the right choice.
Medical insurance can also be further subdivided into million medical insurance, mid-end medical insurance, high-end medical insurance, Huimin Insurance, cancer prevention medical insurance, outpatient insurance, small medical insurance, and so on. The coverage is different for different types of insurance.
The coverage of million-dollar medical insurance, mid-range medical insurance and high-end medical insurance is relatively extensive, and the higher the premium, the more complete and stronger the protection can be.
Huimin Insurance is a type of insurance with a certain inclusive nature, the insurance threshold is very low, you can buy it with medical insurance, ignoring the physical condition of the insured, and can play a certain role in supplementing medical insurance.
Cancer medical insurance is a type of insurance specifically designed to protect against cancer risks, with a narrow coverage but a low insurance threshold.
Outpatient insurance and small medical insurance are types of insurance that are specially designed to solve small medical expenses, mainly used to reimburse medical expenses caused by minor illnesses such as colds and fevers.
For ordinary people, it would be better to prioritize the allocation of millions of medical insurance. The premium of the million medical insurance is relatively close to the people, but the protection it can provide is relatively complete and practical.
In case the insured gets sick, you can use medical insurance to reimburse part of the expenses first, and the remaining expenses can be reimbursed with millions of medical insurance after deducting the deductible.
However, the million medical insurance has relatively high health requirements for the insured. Many people with abnormal physical health conditions are difficult to pass the audit. In addition, it is also difficult for some older people to buy millions of medical insurance.
In the case that it is not possible to configure million medical insurance, the policyholder can use the combination of "Huimin Insurance + Cancer Prevention Medical Insurance" to replace. Although the protection is weaker than that of millions of medical insurance, it can play a good role in protection.
Here, I will take some of the million-dollar medical insurance products on sale as an example to introduce the specific situation.
In the figure above, the protection information of 6 million medical insurance products is summarized for you. As you can see, the medical items that can be covered by million medical insurance are relatively extensive.
In the process of medical treatment, general inpatient medical care, inpatient medical care for critical illness, outpatient and emergency before and after hospitalization, special outpatient services, outpatient surgery, proton heavy ions, purchased drugs, etc., can be reimbursed. And the amount of insurance is sufficient, and the reimbursement ratio is high.
Taking the first product as an example, the general hospitalization medical insurance amount is 2 million yuan, the hospitalization medical insurance amount of 120 critical illnesses is 4 million yuan, the proton heavy ion insurance amount is 4 million yuan, and the purchased drug insurance amount is 2 million yuan.
At the same time, the product can provide two very useful value-added services, one is the advance payment of expenses, and the other is the green medical channel. Both safeguards can make a huge difference when it matters most.
Through the above content, I have given you a clear introduction to how to buy so many kinds of medical insurance. In general, there are differences in the coverage of various types of medical insurance. For the general public, million medical insurance needs to be prioritized.