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Data:2009-12-12 2:34
Commercial health insurance can only be purchased by each of the practice be broken. China Life and Ping An Insurance said recently that an upgrade to its medical insurance, the insured not only a one-time purchase of 5 years or more years of insurance, but also to solve the annual renewal, as well as premium rate changes and other issues.
China Life improved medical insurance are the "love life" life-long hospitalization insurance, for the majority of medical insurance products on the market does not guarantee renewal, does not guarantee the rates can not be purchased separately and other issues has been improved, the customer, through the insurance underwriting , we can protect life. The risk is equivalent to the building of a life-long inpatient medical benefits account, the customer hospitalization, intensive care and major surgery, it can draw funds from.
30-year-old male, for example, pay 3872 yuan per year for 20 years, have 12 million in lifetime medical care. Annual salaries of health insurance is no limit on the amount in advance, if exhausted, the insurance contract is terminated without the need to continue to pay.
Ping An Life is also hospitalized this month for additional improvements were made medical products, will add a medical insurance from one year to five years underwriting Underwriting 1. Additional medical insurance because of the traditional annual renewal date, insurance companies are subject to re-examine, if a customer on a one-year illness, may not be renewed next year, resulting in genuine need can not be guaranteed insurance Shique embarrassment. Improved, the customer to pay premiums as long as full and on time, at least five years for any reason will not be left without protection.
In addition, a 5-year security is not a simple five-fold increase in the premium. Ping An Life Insurance, said the purchase of the second additional insurance for hospitalization costs for each price is only the first half. In the aggregate, to purchase five copies of the same insurance, the premium of only about 3 times the first.
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How to mix two types of medical insurance there are tricks
According to report, medical insurance benefits are generally divided into two kinds-and expense reimbursement, claims, the former according to the number of days counted daily allowance benefits paid; the latter pro-rata reimbursement of hospital and medical fees.
According to industry insiders, a person can enjoy free medical service if, it is recommended to purchase allowances type, so that after the hospital to have an extra "these payments"; if there is medical insurance, to reimburse part of the maintenance fee, it is recommended to purchase additional medical insurance reimbursement-type business.
Take all of their own money to the hospital expenses, the best combination of both buy a "combination type of medical insurance," so, insurance companies, except reimbursement for some medical costs, will be paid a daily allowance for a certain amount of hospitalization.
