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Data:2009-12-12 2:34
î•¿î•¿special insurance for the whole family
In the interview, we have encountered some very far-sighted friends who are planning to buy a suitable package for the whole family with everyone's health insurance, this is not, in a state-owned enterprises serving a 30-year-old Mr. Li, there are old, the next small, he and his wife decided, after consulting the family of each person to buy one suitable for their insurance, so, the reporter followed consultation with Lee, no matter what you are, I think it can be in the following insurance plans find the answer.
î•¿î•¿give their children a "growth" experience
î•¿î•¿Beneficiaries: son, CNR, 2-year-old î•¿î•¿/span>
Insurance reasons: Mr. Lee's son, CNR, by the end of the over 2 years old. Although Mr. Lee himself and his family had no insurance on, but he hopes to give his son an early age began on the insurance. And his wife, a talk, he wanted his son's birthday to buy copies of health insurance as a gift. However, such a small child, can the insurance? î•¿î•¿/span>
Recommended Insurance 1 - Growth worries î•¿î•¿Children's Critical Illness
Also not to mention, although the major insurance companies, health insurance is now mainly concentrated in major illness, accidental injury insurance and so on, but really there are some insurance companies have established special characteristics of insurance. Such a "worry-free children's growth in critical-illness insurance," is China's first direct insurance, designed specifically for children's health insurance, 0-16-year-old healthy child can be more than the total amount of insurance is 20 million, the insurance period is 25 years old.
This insurance specifically for 0-16 year-olds can easily arise in 15 kinds of disease or surgery: malignancy, chronic renal failure, Kawasaki's disease (associated with coronary artery aneurysms), progressive spinal muscular atrophy, viral encephalitis, purulent meningitis, fulminant hepatitis, ⃿diabetes mellitus, aplastic anemia, benign brain tumors, it is important organ transplantation, severe brain damage, severe burns, blindness, limb loss.
Special Note: CNR, if the beginning of the year suffering from one of the 15 diseases would be a one-time access to insurance 20.62 thousand yuan, the contract termination; if patients one year after the beginning of the 15 major disease categories, one can get insurance 200,000 Yuan, contract termination; if CNR 25 years of age before the death, you can return the premium 620 × Paying the number of termination of the contract.
î•¿î•¿suitable for the crowd: the insurance to pay 620 per year as long as you can, so ordinary families can bear, especially well suited to working-class families.
î•¿î•¿Recommended Insurance 2 - Children's Program î•¿î•¿/span>
"Children's program" is also specific to the child's insurance, but mainly involved in an accident. If the CNR lead to death due to accidents, burns or different degrees of permanent disability, receive a 10% to 100% of the amount of compensation.
î•¿î•¿The insurance required every year to pay 200-400 yuan, then was hospitalized due to accidental injuries, availability 3000-5000 yuan compensation, but died due to accidental injuries can be obtained 30000-50000 yuan in compensation. If the child has attained the age of six months, and he was hospitalized due to illness or accident treatment, then the hospital in accordance with the actual number of days to receive compensation, the maximum number of days for each hospital can be up to 180 days, less than six months if the child can not enjoy this hospitalization benefits.
î•¿î•¿suitable for the crowd: 2 months to 17 years old.
î•¿î•¿give yourself an "Evergreen"
î•¿î•¿beneficiaries: Lee î•¿î•¿/span>
Insurance reasons: Although the company to employees on the proper insurance, but the people to 30, Mr. Lee felt should also have a health protection for themselves and their children can benefit. However, he hopes to buy a specific men's health insurance.
î•¿î•¿Recommended Insurance - Sing î•¿î•¿/span>
This reporter has learned a lot of places, at present very few men really tailor-made health insurance, which so many men are depressed. However, it is really for you to find such a "Men patent risk."
î•¿î•¿The called "Sing" health insurance ,16-50-year-old man can be, and this is a life insurance, as long as Mr. Lee to pay 400 yuan per year, and paid by your own choice of life, which can be 10 years, 20 years, it can be lifelong. Insurance company in each of the insurance premium is 10,000 yuan, that is, to pay 400 yuan, you can enjoy the 10,000 yuan of insurance. This insurance covers the 25 men, prone to major diseases: a class of diseases are included malignant tumors, acute myocardial infarction or acute myocardial infarction, stroke, major organ transplant, chronic renal failure (uremia), diverse sclerosis, blindness , limb loss, paralysis, severe burns, Parkinson's disease, insulin-dependent diabetes mellitus, liver disease stage, pulmonary heart disease, acute necrotizing pancreatitis, deep coma, benign brain tumors, aplastic anemia, encephalitis, and the outbreak hepatitis; second-class heavy disease include coronary artery bypass surgery, aphasia, deafness, aortic surgery, heart valve replacement surgery.
î•¿î•¿Special Note: Mr. Lee, if suffering from a major disease category in one of the insured amount available to 80%; if a significant risk of Type II disease, 20% of the insured amount available. In addition, between the ages of 16-50, and different age groups the amount of premium paid by different, generally 30 years of age as a standard.
î•¿î•¿suitable for groups: adult men.
Give her a bunch of "Carnation"
î•¿î•¿beneficiaries: Mrs. Lee î•¿î•¿/span>
Insurance reasons: "Every day she have to work again with children, it is really hard," about Mrs. Lee, Mr. Lee said, not without emotion, "I hope to give her a health protection."
î•¿î•¿Recommended Insurance - Shun î•¿î•¿/span>
The protection of women, there are many health insurance is one of them. And "Sing" match of the women's "Shun" dangerous, it is suitable for 16-50 year-old woman. Premiums and insurance rates and "Sing," the same risk, Mr. Li as long as the reference to "Sing" means the insurance on it. However, this health insurance covers 28 kinds of women prone to major diseases: a class of diseases are included malignant tumors, acute myocardial infarction or acute myocardial infarction, stroke, major organ transplant, chronic renal failure, multiple sclerosis, blindness, limb loss, paralysis, severe burns, Parkinson's disease, insulin-dependent diabetes mellitus, liver disease stage, pulmonary heart disease, acute necrotizing pancreatitis, deep coma, benign brain tumors, aplastic anemia, Japanese encephalitis, and the outbreak of hepatitis, malignant mole, systemic lupus erythematosus; second-class heavy disease include coronary artery bypass surgery, aphasia, deafness, aortic surgery, heart valve replacement surgery, women carcinoma in situ.
î•¿î•¿suitable for groups: an adult female.
î•¿î•¿parents, older is not recommended on the insurance î•¿î•¿/span>
Lee's parents have been more than 60 years old, he wanted to give parents a suitable for the elderly on insurance. But when the reporter visited a number of insurance companies, at present, the beneficiary of the insurance age requirements, generally 60 years of age or older is not recommended to buy insurance.
î•¿î•¿Beijing Mr. Zhang, a well-known insurance salesman explained that the elderly people aged over 60 is very likely give rise to various diseases, the risk coefficient insurance for insurers, have to face the risk of also relatively large . In addition, if you choose to the elderly insurance premiums paid many times more than ordinary people, even more than the last received compensation even higher, it seems that some more losses than gains of the.
Link î•¿î•¿â”?span>
After the doctor on how the insurance reimbursement î•¿î•¿/span>
On such a variety of insurance, that they have a little晕晕Hu Hu, and away hospital, when faced with a doctor's prescription colors, open documents which reimbursement is even more dizzy.
î•¿î•¿reporter learned from the hospital, and now with the insurance-related prescriptions are blue, green, two colors. Prescription Blue is a private medical insurance prescription, from January 1 next year, the blue will be printed on the prescription of "medical insurance" in the words of people in the unit access to health care in the hospital under medical insurance can be reimbursed 70% of the about 70 people over the age may be reimbursed 80%, while claims on the premise that the cost of medical care to reach 1,300 yuan.
î•¿î•¿green prescription is a dedicated public health prescriptions, general offices, agencies, institutions, medical personnel, teachers, etc. can enjoy the publicly funded health care, paid for by the unit. In addition to blue and green prescriptions at their own expense to the hospital for medical treatment of people in general use white prescription.
Lee family files: î•¿î•¿/span>
Mr. Lee, 30-year-old company employee, monthly income of 4000-5000 yuan î•¿î•¿/span>
Mrs. Li, 28-year-old company employee, monthly income of 3000-3500 yuan
Son, CNR, 2-year-old is currently healthy.
