How to choose a suitable health insurance Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Species faced with all kinds of medical insurance, which is indeed quite how to select some people to charge their brains.

From the scope of protection of view, the general medical insurance covers the three basic types: critical-illness insurance, medical reimbursement-type insurance, medical insurance, subsidized model. Among them, critical-illness insurance focused on the major diseases (such as cancer, etc.) to provide security, medical claims-based leading provider of insurance claims for medical expenses and medical subsidies for health insurance is a type occurring during some of the costs of hospital beds, nutrition, cost of providing compensation . In the case of pay a considerable premium, the more extensive insurance coverage more worthy of choice.

Right to participate in social health insurance for workers, the purchase of allowances the most appropriate type of commercial insurance, because if the insured person who has suffered from major diseases, insurance companies can not only paid a one-time cost of the corresponding operations, but also provide the hospital every day to the insured expense allowances, which is part of the cost of social health insurance can provide.

The company's insurance terms and rates are subject to national insurance regulatory approvals, the difference between insurance mainly in security items, scope and extent, its premium standards differ accordingly. Therefore, select commercial health insurance, the key should be the characteristics of their own needs, to clarify the risks he might face from where the disease hospitalization risk, or more than the risk of accidental patient before choosing the appropriate insurance to be protected against the blind insurance .

First of all, we must understand that medical insurance coverage. In China, the medical insurance that guarantees the insured expenses or losses due to sickness caused by a kind of insurance to receive compensation. Here's "disease" must satisfy three conditions:

First, the internal factors caused by the body. If it is caused by external causes in the case of accidental injury. But some diseases are also outside the original incentives, but such incentives are often the first invades the human body, in the human body over time lead to diseases such as infectious diseases, etc.;

Second, non-congenital causes. Health insurance coverage shall be a disease occurring within the insurance period, and congenital defects produced by the body, such as deafness, blindness and other congenital diseases are not covered by the medical insurance coverage;

Third, the cause can be treated. Limited to the insurance company to pay insurance coverage, the insured could not be ignored.

Secondly, we must choose their own insurance coverage. Different insurance have different characteristics, all kinds of insurance has its own corresponding consumer groups, such as critical-illness insurance is mainly aimed at customers shoulder the family burden of the middle-aged. One of these clients are very concerned about the incidence of major diseases, causes harm to the entire family, have a strong intention of the insured and insurance requirements; two of these policy holders have the ability to pay premiums.

We often hear that a good insurance that insurance bad argument, in essence, where its value refers to the insurance good or bad, we know that the value of goods is not a measure of its size, can only say that a certain product is more suited to a person consumption. That insurance is not good or bad, there is only more appropriate for whom consumption. Therefore, the insured person, the choices are critical to insurance, it relates to its ability to maximize the effectiveness of the insurance consumer.

At present, China's medical insurance market insurance are: comprehensive medical insurance, hospitalization insurance, surgical insurance, and various allowances and special sickness insurance, insurance. The insured person in the absence of relevant insurance expertise circumstances, may consider options to the insurance agent, insurance consultation, or requiring a tailor-made for their own health insurance plans and programs.

Third, we must figure out the health insurance premium payment mode. China's health insurance premium benefit in two ways: reimbursement type and fixed type. Reimbursement-type payment usually has a deductible, the insurance company is only responsible for some of the above deductible, and only by a certain percentage to be reimbursed. Such insurance to be issued in payment of medical expenses when the original invoice, but if you have other insurance will reimburse a portion of costs, in the remaining areas of responsibility are mostly paid in part, such as medical expenses in-patient medical insurance claims. Of course, the type of insurance rates relatively low.

The fixed payment method is defined as a particular disease or a certain type of surgery payment of insurance money at the time of the contract drawn up once a clear diagnosis of the insurance payment will be able to pay the agreed payment method. Rates for such insurance is relatively high, but to what extent large.

The insurance payment amount directly related to the vital interests of the insured, the insured person do not ignore.

Finally, we must consider the health insurance premiums paid by the affordability. Various medical insurance, insurance coverage, the insurance period, the insured amount is different from the general, the premiums so high and low, and the proportion of different types of insurance reimbursement or compensation amount is also not the same.