Friends who have bought insurance may have encountered this problem, that is, you need to confirm whether you have medical insurance. Of course, this is not a mandatory option, such as critical illness insurance, life insurance, etc., and generally does not need to distinguish between social insurance. Reimbursement insurance, such as Million Medical, will require confirmation of incorrect medical insurance. The reason why there is a difference between medical insurance and not is because they have different premiums, different claims, and different coverage coverage.
First, let's take a look at the basic concepts of health insurance and commercial insurance. Medical insurance, that is, 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. Commercial insurance, on the other hand, is provided by insurance companies, and the insurance products selected according to individual needs are designed to provide customers with more comprehensive protection. Let's talk about the difference between whether there is medical insurance or not when buying insurance, what are the main aspects?
1. Premium differences
Whether there is medical insurance or notWhen buying commercial insurance, the most direct difference is the premium. Generally speaking, people who have medical insurance will enjoy certain discounts when buying commercial insurance, because before commercial insurance insurance, medical insurance needs to be settled first, so medical insurance has provided them with certain protection. Insurance companies take this into account when pricing their prices, and as a result, the premiums paid by those with health insurance are relatively low. Conversely, when people who do not have health insurance buy commercial insurance, the insurance company may consider them to be at higher risk due to the lack of other medical coverage, so the premium will be relatively high.
2. Difference in Claims
In addition to the difference in premiums, there is also a clear difference in claims with or without medical insurance.
1. Claim order: When people with medical insurance go to the doctor, they usually need to be reimbursed through medical insurance first, and then supplemented by commercial insurance. Those who do not have medical insurance can apply for claims directly from commercial insurance.
2. Claim ratio and limit: There is also a difference in the ratio and limit of medical insurance and commercial insurance at the time of claim. Medical insurance usually has a certain reimbursement ratio and limit, and the excess part needs to be borne by the individual. Commercial insurance, on the other hand, determines the claim ratio and limit according to the specific terms of the insurance contract, and generally speaking, the commercial insurance purchased by people with medical insurance may have a higher claim ratio and limit.
3. Claim processDue to the different claims process between medical insurance and commercial insurance, there may be differences when applying for a claim for people with or without medical insurance. Those with medical insurance will be given priority to settle medical insurance, and then apply to the insurance company for commercial insurance claims; Those who do not have health insurance only need to apply to the insurance company for a claim.
3. Scope of Protection
In addition to differences in premiums and claims, the availability of medical insurance may also affect the coverage of commercial insurance. Some commercial insurance products may have special benefits or limits on covered illnesses or medical expenses. People with health insurance may enjoy a wider range of coverage when choosing these products.
For everyone, you should fully consider your actual situation and needs when choosing insurance. If you already have health insurance, then you can choose products that complement medical insurance when buying commercial insurance to increase your level of protection. At the same time, it is important to understand the specific terms and coverage of the insurance product to ensure that you can get comprehensive protection. If you don't have health insurance, it is highly recommended that you join the health insurance system first. As a basic social security system, medical insurance can provide you with basic medical protection and reduce the financial burden caused by illness. At the same time, on the basis of medical insurance, consider purchasing commercial insurance products that are suitable for you.
In short, there are indeed certain differences in the purchase of commercial insurance with or without medical insurance. Understanding these differences can help us better choose the right insurance products for us and improve our risk resilience. Where possible, make it a priority to enroll in Medicare, which can be an additional and effective supplement.