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Data:2009-12-12 2:34
The cost-based health insurance --- not a risk to buy the cost-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 there is a part has passed the basic social medical insurance reimbursement system, or work unit, then the insurance company can only be compensated in accordance with the principles of insurance, make up the difference between the costs incurred. Moreover, since the cost-based insurance, the insured persons the cost will certainly be an effective instrument took place, so if you cast a number of insurance companies more than the same insurance, and finally only get an insurance company for compensation, other policy is tantamount to white to buy a.
--- On-demand type of medical insurance benefits insurance benefits insurance, also known as a fixed payment type-type insurance, has nothing to do with the actual medical expenses, claims is not required to provide invoices, insurance companies, according to the contract subsidy standards, payment to policyholders. Whether you spent in the treatment of the amount of money, come what disease, according to the agreed standards for payment. If you are with a number of insurance companies, companies can get you compensation. As for how much you buy, then according to their own circumstances to decide.
Payment methods --- a view to more cost-effective to pay experts suggest that disease in the insurance re-insurance, health insurance, try to choose the payment method Paying a long period. First, because the Contributions long period, although the total amount paid may be slightly more, but every time Paying less 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 the payment methods. Second, because many insurance companies stipulate that if a critical-illness insurance payments paid during the period occurred in the Contributions from the payment date, a waiver of subsequent phases of insurance premiums, insurance contracts remain in force. This means that if the insured person the following year the body Someshige Contributions disease, choose the 10-year payment, the actual premiums paid only one-fifth; if the 20-year payment, it is only one-tenth of the premium paid.
Select Product --- more additional benefits when the policyholder in the selection of insurance products, in addition to need to compare different products to protect the interests, the need to especially pay attention to critical-illness insurance products, additional benefits, namely, whether there is a "premium exempt" benefits, hospitalization subsidies and hospitalization costs and insurance products are short-term medical insurance can be "guaranteed renewal." Usually, hospitalization subsidies, and hospitalization expenses insurance contracts for one year only. Each year before insurance, the insurance company must be insured against nuclear insurance, the insurance period if the insured person was out of insurance, the insurance company paid, the next year, is often no longer renewed. However, if these short-term medical insurance products that are "guaranteed renewal" benefits, insurers are not allowed to change or remove it assumes liability insurance. It is understood that, at present, most of the short-term medical insurance is not undertaken to ensure renewal. The "guaranteed renewal" also usually have a certain preconditions.
