PICC Shanghai branch of the health insurance marketing general manager, said Xiao-Feng Song, health insurance can be divided into the cost of medical care, hospitalization benefits, the three major categories of diseases. Consumers should hold "no, all incomplete, good," the nine tactic.
Health and is closely related to people's lives, the continuing rise in medical costs has stimulated more and more people's awareness of insurance. In a row we received a call from readers over the phone consultation, asked to choose a suitable health insurance products. In this regard, I sought the advice of health insurance professionals.
PICC Shanghai branch of the health insurance marketing general manager, said Xiao-Feng Song, health insurance can be divided into the cost of medical care, hospitalization benefits, the three major categories of diseases. Consumers should hold "no, all incomplete, good," the nine tactic.
There is no health risk insurance is a must-have
It is understood that because of people's understanding of the health insurance less, so often lost in many insurance products, it is difficult to find the most suitable for their own products. Although the Shanghai social degree of the basic medical insurance coverage has reached a higher level, but the commercial health insurance as an effective complement, to fill the medical expenses of members of the public pays part of the cost.
As a result, customers in the development of the insurance plan, first of all on health insurance should be included in the plan to address this part of the security gaps. As of July this year, the Shanghai A total of 39 life insurance companies, the vast majority of companies have individual health insurance, every company has a number of products less than 4. We can see that there is a demand of the consumers, the choice is a lot of scope.
The whole incomplete, reasonable arrangements for three types of health insurance
For some of the insured's health insurance consumers, the next is to improve the health insurance category, the cost of medical care, hospitalization benefits and major diseases are indispensable.
The cost of medical insurance needs of priority allocation. According to the proportion of such products for reimbursement of the difference can be divided into high, medium and low grade three. Consumers should be able to income, age, as well as basic medical insurance reimbursement standards, to protect the grade. However, strong economic strength of the consumer, you can choose one-stop insurance payments and the responsibility of the highest proportion of the products, some payments to medical insurance outside the scope of medical expenses.
Ordinary working class consumers in the community have a basic medical insurance, the purchase of major diseases can choose 80000-100000 amount of insurance. Higher-income consumers, it can be 2-3 times the annual income of the disease re-set the amount of insurance protection to ensure that the disease will not affect the cost of the treatment of domestic economic stability.
Additional allowances are usually hospitalized as a risk insurance. Can repeat this type of insurance product, much more to lose than to buy, according to the hospital to determine the level of charges to buy the shares. Many white-collar workers at the time of purchase, will select several hundred dollars per patient per day allowance, to protect the hospital's loss of income due to illness.
Good, good brands Select Insurance
Although the health insurance market, product range, homogeneity is also very strong, but at the time of purchase should compare features and brands, as far as possible from the impact of the price. Short-term medical insurance, for example, some insurance companies will be insured at a higher amount of annual compensation, will no longer be the second year of the renewal of the business. This utilitarian idea of screening operations, to allow the insured to the insurance companies do not have a sense of confidence.
China Insurance Regulatory Commission sets out the scope of protection must be included 6 major diseases, is currently on the market risk of severe disease protection up to dozens of diseases. However, the development of the product's point of view, based on 6 Chuxian the highest rates of disease and other diseases, the basic rate is very low. As a result, consumers buy should be re-disease risk based on physical examination reports, family history of disease, as well as insurance companies to provide health care services.
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