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Data:2009-12-12 2:34
In order to choose their own health-care insurance business, investors need to do 3:00, "OK":
1, combined with risk assessment, identify himself or his family will be faced with the risk of medical expenses. Everyone faces the risk of medical costs is not the same, and we need a different scope of protection. Factors affecting the risk, there is occupation, income, geography, age, and family. For example: people who enjoy the social health insurance, only the larger health care expenses when the need for business insurance. Without access to social health insurance, need a comprehensive business health insurance. Economic conditions are good people, when they are sick enough in the capacity; and general economic conditions, which may be due to a serious illness into poverty. Clearly, the latter need more insurance. Shouldering the family burden of the people, during the disease may require additional allowances. The single people, it is likely there is no problem.
2, combined with all of the insurance liability insurance to determine their own needs insurance and the sum insured. Liability under the insurance policy is different from market-based health insurance is divided into payment, reimbursement type and type three kinds of subsidies. Payment-type insurance, in the event of a major disease, the insured person to provide a fixed amount of insurance. Reimbursement-type insurance, according to the insured for medical expenses actually incurred a certain percentage of reimbursement. Allowance-based insurance, hospitalization or loss of the ability to work according to the number of days given to the insured's allowance.
3, combined with their actual situation and needs of the other to determine their own insurance. In addition to the distinction between liability insurance, each insurance company's products in the insurance conditions, the period of insurance, payment method, except for liability and claims methods have their own characteristics. Consumer choice and the characteristics of their income, payment habits and brand preferences adapt to insurance. Uncertain future income people, choose short-term loans paid or the policy function of insurance; hope that the insurance products to people who upgrade can be purchased with convertible functionality.
Investors in the purchase commercial health insurance, but also to avoid entering the following three "errors":
1, "the bigger the better insurance coverage, function better." Insurance coverage is proportional to price and, if the insurance coverage than necessary, it means paying an additional price. For example, a teacher little chance of work-related injuries occur. If its purchase of the insurance policy will cover medical expenses work-related injuries, industrial injury insurance is a waste of money. Please remember that we really want to buy insurance products suited to their needs.
2, "the more expensive insurance, the better.", And different from other commodities, insurance and commodity prices that premium rates are actuarial science officer under insurance coverage set. This means cheaper insurance products, its insurance coverage and payment conditions of insurance must be restricted.
3, "very young a body good, no need to buy insurance, and other old and buy insurance." According to statistics, young event of a major illness and the probability of accidents is not small, also need medical care. In addition, the implementation of the balanced life insurance rates, insurance older, the higher rates. If you do not, when the young high-income insurance, old age may be able to purchase adequate medical insurance. China Insurance News
