Large medical insurance is based on basic medical insurance. The employer shall pay a large amount of medical insurance premium for each employee and retiree every month according to 1% of the payment base of employees and retirees (the amount of large medical insurance premium paid every month in each region is different). Employers, employees and retirees who participate in the municipal overall planning of basic medical insurance shall participate in the mutual insurance of large medical expenses while participating in the basic medical insurance. Employees and retirees who pay large medical insurance premiums enjoy large medical insurance benefits. When the medical expenses exceed the maximum payment limit of the basic medical insurance pooling fund, large medical insurance will pay their medical expenses.
The scope of medical expenses paid by large medical insurance is the same as that of basic medical insurance.
Many people will think that since it is to prevent the financial security when they get seriously ill in the future, it is of course better to buy varieties with more protection. The reporter noted that at present, the number of diseases covered by critical illness insurance in the market has increased from several to dozens, and many insurance companies often emphasize the types of diseases covered in their propaganda. But in fact, for individuals, the wider the insurance coverage, the better.
The premium of critical illness insurance is obtained by actuaries according to the incidence of various diseases included in the insurance. The more diseases are covered, the higher the premium will naturally be. For a specific policyholder, the incidence of some diseases is almost zero, or some traumatic diseases that can already be covered in the accident insurance they originally purchased, then there is no need to spend money to buy critical illness insurance with cross-protection items.
Insurance veterans believe that the most important thing when choosing critical illness insurance is to examine whether the clauses include common cardiovascular, organic and senile diseases. With these three categories, the protection needs of general policyholders are basically met. In addition, we should also pay attention to tailoring for ourselves. For example, children must buy leukemia when they buy critical illness insurance; Women can consider purchasing critical illness insurance covering frequently-occurring diseases such as breast cancer.
It is also worth noting that although some diseases are included in the scope of protection, the provisions have strict restrictions on the incidence of diseases. Patients who reach the prescribed level are generally more serious, and even if they get insurance money, there is almost no chance of survival. This kind of protection has no practical significance.