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Data:2009-12-12 2:34
Person has the disease is difficult to avoid things, the current health insurance system is still in a "low level, wide coverage" level, can afford only part of the cost of treatment to purchase health insurance is add a few personal medical expenses borne by the most effective method. Commercial health insurance through an insurance mechanism to spread risk so that people be able to pay less expenses, to meet the unpredictable needs of a relatively large amount of medical expenses. Breadwinners of the household will need to purchase some health insurance to ensure that household finances will not be affected.
For each individual, the lifetime probability of suffering from a serious illness is relatively large, it is for the personal financial stability of the greatest impact. Once seriously ill, medical expenses varies from the million, as many as several hundred thousand dollars, causing a heavy burden on the entire family. If you exceed the family's affordability will affect the timely and effective treatment. However, the concrete may have to kind of disease can not predict, we might choose to include common form of cancer, heart bypass and other diseases, the protection of species, or according to their own health status, family history and focus selection. In general, choose the re-disease risk the most important is to examine whether the draft articles contain common cardiovascular, organ and age-related diseases, with these three categories, essentially to meet the needs of the general protection of policyholders. Have a major disease protection, then consider hospitalization insurance, medical insurance and hospital subsidies. Selected for their in-patient medical insurance to make reference to past history, age, family history and so on. Subsidies for the purchase of hospital insurance, is also a good complement to dozens of first hundred dollars of subsidies each day, you can to some extent make up for lost time after they fell sick costs, these payments, care, and so can not be reimbursed expenses.
Insured health insurance, pay attention to the choice of time period. With age, the disease will increase the likelihood of a young man relatively low insurance premium, major medical insurance, sickness insurance and hospital type and so on for life as we choose a long-term variety, and even then it is best to buy a little amount. This is because medical costs are constantly rising in tandem, and in another 5 years, 10 years later want to increase the sum insured may also need medical and physical condition when the relative will be badly, and the corresponding age, the premium will rise. In the field to Beijing to prepare for the work of a friend a few years to buy a one-year renewal of health insurance can make your own period of insurance and more flexible. In addition, short-term travel abroad or a person may buy a very short-term pre-travel health insurance, such as daily or monthly travel medical insurance.
