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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 lack of understanding of insurance terms, amount spent, did not receive due protection.
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 the difference between the cost of 5100 yuan. This allows 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, insurance company refers to the ratio stipulated 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 principles 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.
Taikang Life Wuhan Branch relevant person in charge said that in the purchase of medical insurance, should address itself 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
Xinhua Life Insurance, Wuhan Branch experts recommended that: student years. A good mobility of students large, the probability of a larger illness. So, choose to participate in student safety insurance and student health insurance, hospital admissions is a good security scheme. Ping An Insurance per year per student to spend only a few dozen yuan to several hundred thousand dollars available to hospital medical care of diseases and a few thousand dollars of unintentional injuries, medical care.
Singles. Just 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 significant sickness 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.
The period after getting married. People over 30 years of age 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 .
