Of course, I'm not sure what kind of insurance we have, the type of sickness protection or the type of hospitalization reimbursement.
Then let's analyze them one by one:
1, type of disease protection, including additional hospitalization allowance of 300 yuan/day. Critical illness insurance is divided into term insurance and long-term insurance, both of which contain a certain cash value, that is, the money that can be returned when the insurance is surrendered in the corresponding year. If you are not satisfied with the hospitalization subsidy or have a new product covering this part of the responsibility, you can contact the insurance company to cancel this part of the additional insurance separately. If you think that the early products can't meet the current requirements in terms of guarantee responsibility and guarantee amount, you can consider supplementing or replacing them.
2, hospitalization reimbursement insurance, because I don't know your age, I calculated that our current policy premium is 1877.64 yuan a year to see what kind of hospitalization insurance we should choose. At present, the medical products for reimbursement on the market can be divided into four categories: micro-medicine, million-dollar medicine, mid-range medicine and high-end medicine:
First, small medical care. The total amount is not high, ranging from 2000- 10000 yuan. The scope of reimbursement is mainly social security coverage and general department reimbursement of public hospitals, and there is no or very low deductible line.
B, millions of medical care. The insured amount is one million yuan, and the reimbursement scope covers all reasonable and necessary hospitalization expenses, with the deductible of 1 000 yuan. Premium (including social security): 540 yuan, 0 years old; 00 years old 65438+252 yuan; 20 years old 176 yuan; 30 years old and 282 yuan; 40 years old, 45 1 yuan; 50 years old, 1000 yuan. At present, it is the reimbursement hospitalization medical insurance recognized by most customers, which can reduce family pressure when spending a lot of money.
C, mid-range medical care. The insured amount is 1 million yuan, and the reimbursement scope covers all reasonable and necessary hospitalization expenses. The deductible is 0 yuan /5000 yuan/1 000 yuan. You can choose public hospitals and special needs departments. Premium (including special needs and no social security): 0 years old, 2998 yuan; 10 years old 18 13 yuan; 20 years old 1773 yuan; 30 years old, 25 1 1 yuan; 40 years old, 3650 yuan; 50 years old and 5354 yuan. Accompanied by a special person, the medical environment is more comfortable and the experience is strong. It is also a very popular product at present.
D, high-end medical care. The insured amount is 1 million, and the medical insurance covers Chinese mainland, Greater China, Asia and Asia-Pacific, excluding the United States and Canada, excluding the United States and the world. Security hospitals can also be divided into public hospitals, including special needs and international departments, general private hospitals and expensive hospitals. This kind of medical insurance can enjoy the high-end medical services in the selected area, and let us experience the best medical care and services.
If you want to know more about insurance, you can contact me as an insurance broker and family financial planner. We can sort out the existing family insurance policies together, analyze the financial situation of our family and find a more suitable solution.