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Data:2009-12-12 2:34
How to Apply for the most effective health insurance
Do not repeat the processing fee-based medical insurance. Fee-based insurance, insurance company refers to the ratio according to the regulations, in accordance with all the costs of health care in the total amount of receipts to be paid. If some have passed the basic social unit for reimbursement of medical insurance or work, then the insurance company can only make up the difference between the costs incurred.
Allowance-based health insurance advantageous according to demand. Allowance-based insurance, also known as a fixed payment based insurance, has nothing to do with the actual medical expenses, insurance claims, when the allowances in accordance with the contract be paid to policyholders. Whether you spent in the treatment of the amount of money, come what disease, the standard payment according to agreement.
Period of major diseases to pay more cost-effective insurance. Disease in the insurance re-insurance, try to choose a long period of payment of payment. First, because the longer payment period, each pay less; second, because a lot of insurance companies stipulate that if a place in the payment period, payment of insurance money, from the payment date, be exempted from the subsequent period of insurance premiums, insurance contracts continue to be valid.
Select products to compare additional benefits. In selecting insurance products, in addition to comparing the product to protect the interests, the need to particularly pay attention to its additional benefits, that is, whether there is a "premium exempt" interest, whether it can be "guaranteed renewal" and so on.
