When buying insurance, many friends will buy multiple types of insurance, hoping to transfer the risk of life to the greatest extent.
But when there are more and more insurance policies in hand, many problems also arise.
For example, if you buy multiple insurances, how do you make a claim when you have an accident?Is it that the more you buy, the more you lose?How to make a claim to get more money and so on.
Today we will talk about how to make a claim after buying multiple insurances in order to get more money
In this issue, we have the following contents:
If I buy more than one insurance policy, can I make a claim at the same time?
I bought more insurance, how can I get more money?
How to match medical insurance to provide more comprehensive protection?
To determine whether you can pay at the same time, you must first know whether this insurance is a reimbursement type or a payment type.
Reimbursement Insurance:The reimbursement ceiling will not exceed the actual cost, for example, if you spend 100,000 yuan for hospitalization, you can only report 100,000 yuan at most.
Benefit-based insurance:Fixed amount compensation, buy as much as you want, and you can superimpose claims if you meet the conditions, for example, if you buy 2 life insurance policies of 1 million, if you die, you can pay 2 million.
How do you know which type of insurance you have?We have sorted out some common types of insurance, and you can sit in the right seat.
It can be seen that critical illness insurance and life insurance are payment types and can be superimposed.
The million medical and small medical treatment belong to the reimbursement type, and the same expense cannot be reimbursed repeatedly, but in some cases, multiple insurance policies can be reimbursed.
So, which insurances can be reported at the same time, and in what order, let's take a look.
First of all, no matter how many insurances you buy, it is recommended to use medical insurance to reimburse them first. If you are not reimbursed by medical insurance, the reimbursement ratio will be lower when you make a claim.
For example, million medical insurance generally stipulates that medical insurance will be reimbursed first, and 100% of the remaining expenses other than the deductible will be reimbursed, and if you do not use medical insurance to report first, you can only be reimbursed at 60%, and the gap is still very large.
Secondly, for the situation that can be reimbursed at the same time, there is also a certain amount of attention to the order in which more money can be reimbursed.
Let's take two typical types of reimbursement as an example, one is a million medical + accident insurance combination, and the other is a million medical + small medical combination, most friends can refer to this idea when reimbursing.
Case 1: [Million Medical Insurance + Accident Insurance, Different Reimbursement Scope].
In 2022, Ms. Li spent 100,000 yuan on hospitalization due to an accident, 60,000 yuan was reimbursed by medical insurance, and the remaining 40,000 yuan was within 20,000 yuan of social security and 20,000 yuan of social security
Accident Insurance:Accidental medical treatment is 30,000 yuan, the deductible is 0, only the social security expenses are reported, and the reimbursement ratio is 100%.
Million Dollar Medical Insurance:The hospitalization insurance amount is 2 million, the deductible is 10,000 yuan, not limited to social security inside and outside, and the reimbursement ratio is 100%.
Next, let's take a look at the difference in the amount of money that can be reimbursed in the final settlement of claims in two different orders:
It can be seen that in this case, the reimbursement scope of the two insurances is inconsistent, the accident insurance is only covered by social insurance, and the million medical insurance is not limited to social security.
In this case, you don't have to spend money to report accident insurance first, while you need to pay 5k out of pocket for medical insurance.
If the case is reported for millions of medical treatment, and the remaining 1w is in social security, then the accident insurance can also be fully reported;If 1w is outside the social insurance, the accident insurance will not be reported at all, because it does not reimburse the expenses outside the social insurance.
Therefore, when the reimbursement scope of the two insurances is inconsistent, it is recommended to report the social security first, and then the unlimited social security.
However, if both insurances are not limited to social security, and the cost of social security reimbursement exceeds 10,000 yuan, it is recommended to report one million medical treatment first, so as not to occupy too much of the amount of accidental medical treatment.
Case 2: [Million Medical Insurance + Small Medical Insurance, Reimbursement is not limited to social security].
In 2023, Ms. Zhang will spend 110,000 yuan on hospitalization due to illness, 60,000 yuan will be reimbursed by social security, and the remaining 50,000 yuan will be paid
Million Dollar Medical Insurance:The deductible is 10,000 yuan, not limited to social security, and the reimbursement ratio after social security is 100%.
Micro Medical Insurance:The deductible is 0 yuan, the insured amount is 10,000 yuan, there is no limit to social security, and the reimbursement ratio is 80%.
Next, let's take a look at the difference in the amount of money that can be reimbursed in the final settlement of claims in two different orders:
It can be seen that in this case, both medical insurance policies are not limited to social security coverage.
Therefore, no matter whether you reimburse millions of medical insurance or small medical insurance first, you will need to spend the same amount of money in the end, so the order does not have much effect.
If the million-dollar medical insurance and micro-medical insurance in everyone's hands are the same as the above-mentioned situation, it will be the same for any of the first reports.
However, if micromedical insurance can only reimburse expenses within social insurance, it is recommended to use micromedical insurance for reimbursement first.
I believe that through the above cases, you can also see that it is difficult to have a very general standard for how to reimburse more.
Because the claim will be affected by many factors, including deductible, sum insured, reimbursement ratio, reimbursement scope, etc., we still have to analyze the specific situation according to the policy in your hand.
Medical insurance generally only needs to be purchased once, and there is no need to purchase it repeatedly, but some products with complementary protection can also be considered for purchase, because the protection is complementary, so there is no conflict in reimbursement.
Here are two common ideas for collocation:
1. If you are excluded from millions of medical treatment due to some diseases, consider [Million Medical Insurance + Huimin Insurance].
Under normal circumstances, with Million Medical Insurance, you don't need to buy Huimin Insurance, because the reimbursement scope of Million Medical Insurance is wider and the deductible is lower.
However, if there are some abnormalities in the body that are excluded by Million Medical Insurance, such as not covering diseases such as breast nodules and thyroid nodules, you can consider buying a Huimin Insurance as a supplement.
If it's not clear which physical abnormalities would affect your coverage, you canClick the card belowto find out how to insure for common diseases.
2. If you can't buy millions of medical care, consider [Huimin Insurance + Cancer Prevention Medical Insurance].
These two are also common combinations, especially for some elderly parents, who may have a little abnormality in their body and can't buy millions of medical insurance, so they can consider buying cancer prevention medical insurance + Huimin Insurance.
Cancer medical insurance can reimburse medical expenses incurred due to cancer, and Huimin Insurance can reimburse medical expenses incurred due to non-cancer or pre-existing conditions.
Although insurance can transfer a lot of risks, but it is not "the more the merrier", or you need to do a good match according to your own needs, specific reimbursement, it is recommended that you combine the actual cost, sort out the protection content of the policy, including deductible, reimbursement scope, reimbursement ratio, etc., and then decide which insurance to use for reimbursement first.
If you have any questions about the above, you canClick the card aboveMake an appointment with a professional teacher for a one-on-one consultation.