Health insurance coveragethree note Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Zhongnan University of Politics and associate professor of insurance, Hui Yuan that the purchase of commercial insurance should first consider the basic medical insurance (health insurance is health insurance business category), followed by serious illness insurance, and then old-age insurance, et al.

"Truthfully told" is the key to recovery
Ms. Huang, Ping An Life Insurance Company of Wuhan said, according to "Insurance Law" the relevant provisions, "truthfully told" is the insured and the insured should fulfill the statutory obligations. This one is the availability of insurance claims of the most important point.
In other words, if the insured to determine their health insurance when there is some insurance coverage has been included in the disease, we should indicate in the insurance policy the only way the policy of insurance in the event of risk insurance can be paid according to some, or else insurance companies the right to refuse. If it is sick insurance, although the final is likely to pay a premium, but "竹篮打水一场空."

Can not ignore the "deductible"
Fee-based health insurance deductibles often required under the terms of payment for medical expenses or the actual percentage (80% ~ 90%). The so-called deductible only to the insurance companies spending more than the insured portion of medical expenses deductible payment of compensation. For different types of insurance have different payment ratio, experts suggest that a higher proportion of the public to choose payment.

To see whether the "guaranteed renewal rights"
For example, Mr. Zhang, an insured does not guarantee the renewal of health insurance, the first five years in good health, the sixth year because of chronic hepatitis patient, insurance companies, to be paid, but the insurance company in its seventh year with chronic hepatitis refused to renew the policy for him.
Taikang Life Wuhan branch to Mr. Chan, because medical insurance is usually a one-year guarantee, if you do not have a guaranteed renewal of health insurance, insurance companies can refuse to cover. But if it has a guaranteed renewal of health insurance, insurance in a row, after approval, guaranteed renewal qualification, then the insurance company would not refuse to cover the illness.