With the continuous improvement of people's health requirements, insurance products related to health protection have also received more and more attention.
And with so many types of health insurance, even if we think we have bought a better protection, there may be loopholes.
So, how do you know that the health insurance you buy will definitely be "insured"?
What are the types of health insurance?
In fact, health insurance is also life insurance, which refers to insurance products that take our physical health as the subject of insurance.
In other words, health insurance is really to protect our personal health, and the millions of medical insurance, critical illness insurance, long-term care insurance, etc., which we are familiar with, all belong to the category of health insurance.
Medical insurance products are mainly to reimburse the medical expenses incurred by us for treatment.
Generally speaking, common products include million-dollar medical insurance, small medical insurance, mid-to-high-end medical insurance, etc.
For us ordinary people, million medical insurance is definitely the first choice.
After the social security reimbursement, the excess can be reimbursed 100%, which can save us a lot of money.
(A mini program has been added here, please go to the Toutiao client to view)
And the other guarantees it comes with can also improve the quality of our medical treatment.
Critical illness insurance products are insurance products that can pay us a sum of insurance money after we unfortunately suffer from a critical illness.
This money can be used freely for us, in addition to covering part of the medical expenses, it can also be used for rehabilitation expenses, nutritional care expenses, income loss compensation, etc.
In other words, critical illness insurance is designed to prevent us from falling back into poverty due to illness, rather than directly reimbursing our medical expenses.
As for other insurances, such as disability income loss insurance, long-term care insurance, etc., they are not the main products we need to consider.
Therefore, when we buy health insurance, it is enough to buy millions of medical insurance and critical illness insurance first.
How can you be sure that the health insurance you buy must be "insured"?
If you want to determine whether the health insurance you buy is really "insurance", you need to see whether the protection of these insurances is sufficient.
For us, it's mainly about the protection of millions of medical insurance and critical illness insurance.
For millions of medical insurance, the first thing to see is whether the basic protection is sufficient.
For example, inpatient medical care, special outpatient services, outpatient surgery, and outpatient and emergency services before and after hospitalization must be necessary.
Among them, the insurance amount for inpatient medical treatment must be sufficient, and it is best to buy more than 2 million.
The outpatient and emergency care time before and after hospitalization should be relatively long, and it is best to be reimbursed for 30 days before and after hospitalization.
In addition, it depends on whether there is reimbursement for purchased drugs and proton heavy ion protection, and the reimbursement ratio of the two should also be 100%.
It's a good idea to guarantee a renewal that is long enough, say 20 years.
(A mini program has been added here, please go to the Toutiao client to view)
Other value-added services, such as advance payment and green pass for medical treatment, are the icing on the cake.
For critical illness insurance, it depends on whether the protection against the illness is adequate.
Whether the number of insurable critical illnesses, moderate illnesses, and mild illnesses is sufficient, whether the compensation ratio is sufficient, and whether the number of claims is sufficient.
Multiple claims for other critical illnesses are also necessary, such as multiple claims for cancer, cardiovascular and cerebrovascular diseases, etc.
It's best not to group multiple payouts for better protection.
Of course, as the incidence of critical illness is getting younger and younger, the importance of these two types of insurance is definitely becoming more and more prominent.
It's best to buy one of them all to enhance our ability to cope with the risk of disease.
In general, there are still many aspects to consider when it comes to health insurance.
If you want better protection, we also need to compare a lot in order to choose the right insurance for you.