Insurance type
Group insurance, the most commonly used is group accident insurance of 6,543,800 yuan, outpatient service of 20,000 yuan and hospitalization of 50,000 yuan. Some companies provide one-year critical illness insurance of 654.38+ 10,000-200,000, and each company has its own budget and plan.
I suggest you know the specific plan of your company.
Usually, in the employee welfare handbook or the training of new employees, the annual insurance plan demonstration will be provided in a thoughtful way to let everyone know and introduce the service system.
target
Generally speaking, enterprise group insurance covers employees. If you leave your job, most group insurance companies support the reduction of employees at any time, that is, the adjustment of the insured objects. Similarly, if you join a new company, you can join insurance at any time, even more convenient and faster than social security.
A MOTO executive not only enjoys high-end medical care personally, but also his family. His wife, two children, paid directly for outpatient hospitalization, and the customer experience was very good. He went all out and threw himself into his work without any worries. Because I was busy, I didn't make any commercial insurance plan at home. Later, due to the adjustment of the company's business structure, his department was abolished and there was no suitable post to be transferred. At this time, his family's medical insurance fund should be borne by the small family, and his pressure soared instantly. Fortunately, at that time, the family was in good health, the critical illness insurance was basically underwritten smoothly, and medical insurance was a bit troublesome.
prescription
Company group insurance, generally a one-year consumer insurance, will be settled with the insurance company once a year, during which claims will be handled in time.
The limitations of protection have an impact on individuals. If you only take out personal insurance when you leave your job, it depends on whether your physical condition meets the requirements, especially medical insurance, critical illness insurance and life insurance, which all require good health and may miss the best insurance period.
On the one hand, leaving the job, on the other hand, there is no personal protection, which virtually leaves the risk of sudden large-scale health expenditure behind.
In addition, the prescription is not only for group insurance, but also for social security, because whenever an on-the-job employee sees a doctor, social security must be during the payment period. If it is interrupted, the social security fund cannot settle the account for you.