Category: Insurance tips Release Date: 2006-08-01
Medicare reform has entered the implementation phase, a clear result of this reform, the residents must pay for the medical care section of the individual pays the cost, so that we began to put into commercial medical insurance, unprecedented attention and enthusiasm. However, for the residents, the insurance commercial insurance and pay attention to the "three fitness" principle, that is, to appropriate, adequate and timely.
First, the principle is appropriate. In the insurance business health insurance when the insured should pay attention to the situation according to their own purchase of the most appropriate insurance. Currently on the market contains many kinds of health insurance, some of the main insurance can be purchased separately, and some must be attached to life insurance or accident insurance in order to insure the additional risk; Some insurance covers accidents caused by illness or hospitalization and surgery, At the same time, including casualty causing injury by accident arising out door emergency medical expenses. In response to these different types of insurance, policyholders can be according to their financial capacity and physical health conditions make their choices.
Followed by the appropriate principles. Of course, the higher the better insurance protection, but as a commodity, how much you want to protect need to pay the price --- the corresponding premium, the insured should pay attention to the actual needs and in conjunction with their ability to pay to determine the insurance amount. The insured amount is too low will make protection insurance will not play a role, but too high will be beyond their ability to pay, and may not pass the insurance companies underwriting. In particular, the commercial health insurance, and some belong to compensate for areas of security is calculated based on actual expenditure, even if the insured amount is high, but the actual time of claims for compensation can only have limited, if the insurance is in effect some of the major turn of events did not occur will lead to more harm than good.
Finally, the principle of timely. The basic principle of insurance is to protect the unknown, can not determine the risks that already exist or necessary for the risk of occurrence can not provide protection, or they will lead to insurance carriers on the risk, while the other policy holders and is also unfair. Therefore, the sooner the better should be insured against possible trouble. It should be noted however, the age of the insured person meets the provisions of insurance coverage, many insurance for the insured's age has clearly defined, and not within the scope of this provision can not be insured. People are advised to comply with the insured as soon as possible, so that as soon as possible into their own insurance coverage.
