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Data:2009-12-12 2:34
Commercial health insurance as a kind of social medical insurance, a good complementary way, more and more attention has been paid. Faced with the numerous dazzling insurance market of medical insurance, people tend to their own needs and understanding of insurance terms is not enough, criticized for spending too Quemo duly protected.
How to buy desirable that the medical insurance? Experts believe that the insurance industry from the following considerations.
There should buy a subsidy-based insurance, social security
Mr. Wang bought 20,000 yuan by the insurance company business health insurance. He was hospitalized spent 12,000 yuan, according to insurance terms, he should be nearly 9,000 insurance payment. However, he society's basic medical insurance, more than 7,000 yuan in reimbursement of medical expenses, the insurance company finally paid his actual costs and reimbursement of expenses the difference between the COMPONENT 5100 dollars, it let Mr. Wang did not understand.
Insurance industry experts said that the current market the way commercial medical insurance payment can be divided into two kinds, one is the cost-based insurance, a kind of a subsidy-based insurance, Mr. Wang is the cost-based insurance to purchase.
The so-called fee-based insurance means an insurance company in the ratio specified in the contract, according to the insured in the medical receipts in the total amount of all costs to carry out payment, if the basic social medical insurance claims, insurance companies can only be compensated in accordance with the principle of insurance, make up the difference between the costs incurred; vice versa, if the insurance company for reimbursement, the cost of social security could only make up the difference.
The subsidy-based insurance, also known as a fixed payment based insurance, has nothing to do with the actual medical expenses, claims, when not required to provide invoices, insurance companies, according to the contract subsidy standards, payment to policyholders. No matter how much he was in the treatment of the money, come what disease, the benefit remains unchanged.
Therefore, medical insurance, they should address themselves to participate in Social Security to decide whether or not to buy what kind of insurance, if not participate in the social basic medical insurance, more suitable for cost-based insurance coverage.
According to different age insurance options
Just a single family of the young people into society, physical risks mainly from accidental injuries, coupled with working hours is not long, by the economic capacity constraints, the combination of medical insurance, medical insurance, accidental injury can be mainly accompanied by a copies of critical-illness insurance, which is mainly used in this age group critical-illness insurance coverage, low-cost advantage for themselves to make a long-term medical insurance plan.
Period of over 30-year-old married man to begin anti-aging, you can focus on buying a hospital medical insurance, to cope with a general hospital medical expenses. To enter this period of people with a certain economic base, while family welcomed a sense of responsibility, may choose to be a guarantee for the amount and economic capacities of the critical-illness insurance, to avoid suffering from serious illness to make the family's economic hardship .
Choose payment method
Health insurance generally have a variety of forms of payment can be paid a one-time, they can pay yearly installments. Specific forms of payment, based on the insured's own income and family circumstances.
Experts suggest that the insured re-disease insurance, health insurance, try to choose a long period of payment of payment. Although the total amount paid may be slightly more, but less time payment will not bring too great a burden to the family, coupled with interest rate and other factors, the actual cost is not necessarily higher than the lump sum method of payment.
Second, because many insurance companies stipulate that if a critical-illness insurance payments under the settlement occurred in the payment period, from the date of payment, a waiver of subsequent phases of insurance premiums, insurance contracts remain in force. That is, if the insured person the following year the toll of those infected with emphasis on disease, choose the 10-year payment, the actual premiums paid only 1 / 5; if paid for 20 years, it paid only 1 / 10 of the premium.
