Category: Insurance tips Release Date: 2006-08-01
One of China's urban residents for a variety of commercial insurance needs of the investigation report shows that China has 28.3% of the urban population to commercial health insurance as the preferred, which has exceeded the proportion of old-age insurance, personal accident life insurance and life insurance. Disease is no longer unexpected things in life, but hit every life must calculate the cost.
Commercial medical insurance in economically developed countries is one of the most popular types of insurance, the main content is the time in healthy individuals, with very little money to buy insurance when their illness or injury, the insurance company will cover their medical expenses in proportion to to help individuals bear the high medical costs. For individuals, the current commercial medical type insurance types are mainly the following categories:
1, out-patient medical class
At present the commercial insurance companies for out-patient medical insurance, targeted mainly against the group, and individual out-patient medical insurance class insurance, yet to be developed, with the WTO approaches, I believe that commercial insurance companies will meet the needs of consumers to develop a personal sale of out-patient medical kind of insurance.
2, accidental medical class
Against the insured during the period of insurance due to an accident and therefore the reasons for medical expenses spent, life insurance companies pay medical expenses. This is the life insurance companies for medical commodities in an important category. Generally the form of additional insurance, in addition to the main types of insurance above.
3, the general hospital medical class
Ministry of Health announced in July 1999 the second (1998) National Health Services Survey, and the situation of urban residents and cost of hospitalization occurred a detailed analysis of the situation. The incidence of hospitalization for urban residents at an alarming rate in large and medium-sized cities, respectively 50.7 ᾿and 53.7 �urban residents, average length of stay of 24.6 days and 21.3 days, respectively. In the medical social security system is not perfect today, the majority of the public may consider the adoption of commercial health insurance to transfer the risk of hospitalization.
4, major disease category
As the accelerating pace of modern life, work pressure, environmental pollution and other reasons, makes such as hypertension, coronary heart disease, diabetes, cancer, cerebrovascular disease, increased incidence of chronic diseases, while the causes of such diseases are often complex, longer duration, treatment difficult, hazardous heavy cost of treatment is often more than a few million or even several hundred thousand dollars. Medical high-technology diagnostic and treatment methods in large numbers so that the rising prices of medical services, such as nuclear magnetic resonance, gamma knife, cardiopulmonary bypass machine, ECG testing equipment is moving hundreds of thousands of hundreds of million yuan, cardiac surgery, organ transplantation for treatment of and a variety of new drugs are very expensive. Commercial insurance companies suffering from a major illness for the huge amount of medical expenses spent to design critical-illness insurance.
