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Data:2009-12-12 2:34
Faced with numerous varieties of how to choose health insurance?
First, to determine their insurance needs. Currently health insurance in Shanghai mainly include comprehensive medical insurance, hospital or surgical medical insurance, women's health care insurance and re-insurance, several types of disease. Re-insurance coverage of cancer disease, paralysis, stroke and some other common major diseases, such as the Taiping Taiping Life, "Yikang" male long-term health insurance. More comprehensive medical insurance cover to pay a fixed daily allowance and some special diseases, hospitalization or surgery such as compensation.
Members of the public can enjoy free medical services, you can choose to subsidize those who can give the patient or a fixed compensation insurance, such as the allowance for insurance, re-disease insurance. If you can not enjoy the publicly funded health insurance, you should consider a number of insurance, including out-patient, hospital, etc., a comprehensive health insurance, supplemented by an additional major disease, accidental injury insurance, medical care and allowances.
Currently on the market of medical insurance products have also begun to split up-to-bottom, and the public can choose their own specific circumstances. Low-income families to buy health insurance with savings features, there are a number of banks and insurance options, such as the Industrial and Commercial Bank of China sold a "stable Tokuyasu" insurance. High-income families, especially the elite white-collar workers had medical insurance against the disease not only requires a maximum degree of simple and quick, but also must be able to offer relatively good health conditions and service level, such as health care during the use of imported drugs, or to live in hotel-style special wards, etc. and so on, general personal commercial insurance may also be difficult to provide such a comprehensive guarantee. In this case, the elite white-collar workers may attempt to group insurance means protection of access to such value, such as the Taiping Life's "Pacific Golden Shield" program. And the group currently on the market in general health care insurance is different from the basic medical insurance coverage from social constraints, as long as necessary and reasonable medical expenses, whether imported drugs, or a hotel-style special wards, can be the insured amount in the range of given within paid, while the amount of their annual insurance up to 75 million, far beyond the normal scope of medical products to bear the risk.
To buy health insurance should also be noted: hospitalization medical insurance, critical illness insurance, provide that there is a wait period, waiting to see normally from the contract in force at the date of 90 days or 180 days, waiting to see happen during the period of insurance accident, insurance company is not responsible for payment. Another example is medical insurance, hospitalization, outpatient medical insurance has a deductible, if your medical expenses below the deductible, it can not be compensated. It should also fulfill obligations to truthfully inform the insured to the insured's current health status and previous medical history presented to insurance companies honest, if the insured intentionally concealed the fact that the disease, the insurance company may not assume responsibility for payment, and non-refundable premium.
