We all know that when you have a serious illness, you can use a million medical insurance to reimburse the part above the deductible.
However, in life, there are often situations where medical expenses do not reach the deductible.
So, in this case, can't these medical expenses be reimbursed?
This brings us to outpatient medical insurance.
What is Outpatient Medical Insurance?
The so-called outpatient medical insurance is mainly aimed at the risk of minor illnesses and pains with relatively low medical costs.
We adults may be able to get through these minor illnesses and pains, but we can't do this for children.
Therefore, once the children catch a cold and fever, we take the children to the hospital for medical treatment, infusions, medicines, etc., which are basically hundreds or even thousands of yuan.
And because the deductible of millions of medical insurance is often 10,000, if it is only a few hundred or thousands of dollars, it will not be reimbursed.
For outpatient medical insurance, most deductibles are only $100.
Therefore, outpatient medical insurance is very suitable to buy.
Especially for people who want to supplement medical insurance coverage and for parents and friends who want to configure an insurance for their children, it is a better choice.
(A mini program has been added here, please go to the Toutiao client to view)
How do you see the protection when you buy outpatient medical insurance?
First of all, it is necessary to look at the scope of reimbursement.
Generally, the coverage of outpatient medical insurance is not limited to social security reimbursement, some products can reimburse the expenses within the social insurance and the cost of purchased drugs, while some only reimburse the expenses within the social insurance.
Of course, unlimited social security is the best, but in fact, minor illnesses and pains are not suitable for drugs outside the medical insurance list.
Moreover, products that are not limited to social security reimbursement will be more expensive, so whether to buy products with a wider range of coverage also depends on our own actual needs.
Secondly, it depends on the reimbursement ratio.
The higher the proportion that can be reimbursed, the better, such as million medical insurance, which is generally 100% reimbursed on the basis of social security reimbursement.
Of course, many hospitalization medical insurance products can also be reimbursed 100% on the basis of social security reimbursement, so we must give priority to products with high reimbursement ratios.
Then there's the deductible.
Medical insurance deductibles must exist, otherwise it will greatly increase the pressure on insurance companies to settle claims.
The same is true for outpatient medical insurance, which generally has a deductible of $100.
Of course, there are also products with 0 deductibles, but the premium will be more expensive, and we also need to look at our own needs.
Finally, there is the single reimbursement limit.
Because the outpatient medical insurance does not reimburse much, the sum insured is not particularly high.
(A mini program has been added here, please go to the Toutiao client to view)
At present, the single reimbursement limit of most outpatient medical insurance products is about 300-500 yuan, so we try to choose products with high single reimbursement limit.
We can also take a look at the terms of a specific product.
It is insured from 0-17 years old and is for children.
The coverage is social insurance + self-financed drugs, and the outpatient and emergency medical insurance amount is 10,000 yuan.
The deductible is 100 yuan, and 100% can be reimbursed on the basis of social security reimbursement, and only 60% can be reimbursed without social security reimbursement, and the limit is 500/day.
The hospitalization medical insurance amount is 20,000 yuan, and there are other benefits, such as accidental medical treatment, accidental death/disability, and special benefits include leukemia protection.
The annual insurance amount is 660 yuan, which is relatively expensive compared to millions of medical insurance.
In general, outpatient medical insurance is worth buying, but it is not our first choice for medical insurance.
For adults, the Million Medical Insurance is of course our first choice for medical insurance.