In the insurance market, commercial medical insurance is what many friends want to configure, especially millions of medical insurance, which is the first choice for many people.
Its basic protection must be familiar to everyone, and there are some incidental but useful protections that may be relatively unfamiliar.
For example: inpatient medical allowance.
What is Hospitalization Medical Benefit?
The so-called hospitalization medical allowance means that if we incur medical expenses during hospitalization, the insurance company will pay the agreed insurance amount.
In other words, if the Million Medical Insurance has this liability, then as long as we are hospitalized, we can get this benefit.
Generally, the hospitalization allowance is calculated based on the number of days, and if there are no deductible days, then the total allowance is the number of days of hospitalization × the daily hospitalization allowance.
What are the precautions for hospitalization allowance?
First of all, it depends on the number of days in the hospital.
Generally speaking, the number of days of hospitalization is calculated based on the date of admission and discharge indicated on the medical record, and the inpatient medical allowance we can receive is also based on this date.
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Secondly, it depends on the number of deductible days.
Some products do not have deductible days, while some products do, but the time is not too long, generally three or four days.
If we are hospitalized for 20 days, the deductible is 3 days, and the daily hospitalization medical allowance is 100 yuan, then the total subsidy we can get is 1700 yuan.
This is still relatively easy to understand, after all, the million medical insurance itself also has a deductible.
Finally, it depends on the limit of days to pay.
The hospitalization allowance of some products has a limit on the number of days of compensation, such as a single payment cannot exceed 30 consecutive days, and the annual payment cannot exceed 90 days.
In other words, if the daily subsidy is 100 yuan, the highest hospitalization allowance for the whole year is a total of 9,000 yuan, and it is not continuous.
Of course, if some products are in good condition, they can pay up to 90 days for a single hospitalization, and up to 180 days for a year.
This is all something that we need to compare and contrast ourselves to know.
What other insurance can have a hospitalization benefit?
In addition to commercial medical insurance, what other insurance can have hospitalization medical allowance?
First of all, there is accident insurance.
After all, accident insurance also has an accidental medical part, which can reimburse part of the medical expenses.
The accidental medical part also has a hospitalization allowance, but its scope is narrower because it limits the cause of hospitalization to be an accident.
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In other words, the conditions for the payment of hospitalization allowance for medical insurance can be either illness or hospitalization caused by an accident, and accidental medical treatment can only be an illness and not an accident.
This is followed by separate hospitalization allowance insurance.
As a separate insurance product, it can be divided into general hospitalization allowance, critical illness hospitalization allowance and ICU intensive care unit hospitalization allowance.
But generally speaking, few people choose to buy it, after all, the coverage is too limited.
And when we are actually hospitalized, we will not be able to buy it.
Finally, there is critical illness insurance.
However, the hospitalization allowance of critical illness insurance is mainly the ICU ward subsidy, and the subsidy is larger than other insurance products.
In general, the hospitalization medical allowance is a very effective protection of the million medical insurance.
However, we can't use it as a core indicator to measure whether a million medical insurance product is easy to use, and when we buy millions of medical insurance, we still need to pay attention to its basic coverage and the protection of purchased drugs, protons and heavy ions.