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Data:2009-12-12 2:34
Have medical insurance, there is still need to buy a major illness insurance do? Yesterday, taking advantage of Taiping Life Insurance in one breath then release both healthy dividends of "Rise of worry-free" comprehensive health plan, "worry-free Rose" Women's Health Program, "Jinsheng worry-free" value-added health programs when the reporter specifically to consult the relevant professional Today, those who live with emphasis on explaining the disease in general how much the cost of treatment, with closely related, the re-buy a lot of disease risk in the end that would only be appropriate.
This reporter has learned that the absence of health insurance for people who re-disease risk is particularly important; right health insurance coverage of the object, the critical illness insurance may act as a necessary complement. Because the social medical health insurance overall Fund staff security is "protecting and not package", and hospitalization costs and ill-of-pocket medical care ratio and the amount is relatively higher. If you have purchased too heavy disease risk, as long as the diagnosis of disease in line with the protection of the insurance provisions of the object, then you can pay a one-time access to insurance companies, on the one hand do not need to advance their own medical costs in the illness, more importantly, is to reduce the individual's the burden of medical expenses. Moreover, the Medicare drug is based on A, B and two different treatments, drugs share a relatively large amount of the actual individuals, some patients because of financial difficulties less drug use B if they can get the insurance payment, then the drug treatment also have greater flexibility to improve the quality of care.
According to reports, a number of major illness insurance products to protect the heavy disease, approximately below the cost of treatment. Cancer, also known as malignant tumors: 100.03 thousand million; chronic renal failure: dialysis is 400 yuan / times, 12 times / week, a kidney transplant 150.03 thousand million; early detection of myocardial infarction treatment: 50000, vascular re-pass Surgery 100,000; stroke sequelae: 80010 million; bone marrow transplantation: a 10,000 yuan chemotherapy, surgery costs 8 million; severe burns: skin, more complete medical need 20 million yuan, an average of 10 million; coronary artery surgery: a Bridge 5 million yuan, an average of 7.5 million; paralysis: treatment costs, hospital fees, nursing care, an average of 500 yuan / day. Can be seen that the average cost of treatment of major diseases are generally at 10 million per, so experts suggest that a major illness insurance policyholders to purchase the amount of insurance at least 10 million yuan. If a non-smoking 30-year-old male, Taiping Life Insurance to the Blues, and select the insurance amount of 100 thousand, then he must be paid 2910 yuan premium - usually an annual medical insurance premium income accounted for 7 years % 12% more appropriate not to participate in social health insurance policy-holders, you may wish to consider an appropriate share of the premium increase the proportion of annual income. Taiping Life Insurance are reminded, select heavy disease advantageous for their own custom-made note, for example, when considering the purchase of covered women on breast cancer, carcinoma in situ and other kinds of women, frequently-occurring disease risks of heavy products.
