Many friends think that I have bought millions of medical insurance, and such a high amount of insurance is enough, so I don't need to buy other medical insurance. But Wutongjun does not fully agree with this statement. We can first look at the difference between millions of medical insurance and ordinary hospitalization insurance.
1. The difference between millions of medical care and general hospitalization insurance.
Millions of medical insurance:
The insured amount can generally reach millions or even tens of millions, but the deductible is also high, mostly above 1000 and 10000.
So generally speaking, millions of medical services are basically unnecessary because of hospitalization for common diseases.
Some expenses beyond the scope of medical insurance, such as targeted drugs, can not be reported not only by social security, but also by general hospitalization insurance. However, the more serious the illness, the more likely it is to use drugs and treatments outside the scope of social security. At this time, millions of medical insurance will be needed.
General hospitalization insurance:
The insured amount is generally not high, ranging from 1 10,000 to 20,000 to 65,438+10,000, and the deductible is relatively low, maybe only 100 yuan, or zero deductible.
If the hospitalization expenses are only a few thousand dollars, it is just right to reimburse them. However, if you have a serious illness and the medical expenses are very high, you must rely on millions of medical care to deal with it.
2. Who is suitable to buy general hospitalization insurance?
After reading the comparison table above, there may still be many people who think that the role of hospitalization insurance is very small, because the insurance coverage is low and the expenditure for serious illness cannot be covered; Part of the minor illness expenses are reimbursed by medical insurance, and the rest can be borne by yourself.
But in real life, even if you catch a cold with water, it may cost hundreds of dollars. If it turns into pneumonia, it will cost thousands of dollars to be hospitalized! These ailments can be treated at an affordable cost, but if you spend too much, it will hurt your flesh!
Children, in particular, have colds, fever and diarrhea, and go in and out of the hospital many times a year. In addition, they are young and lively, and the cost of treatment for accidental injuries caused by tripping will be very high. With hospitalization insurance, many economic losses can be reduced.
Therefore, Wu Tongjun suggested that on the basis of improving the critical illness insurance and accident insurance, he should purchase a child hospitalization medical service, covering the medical expenses of minor illnesses in daily life. Wu compared four kinds of hospitalization insurance on the market and calculated the annual premium for a 4-year-old child. Details are as follows:
Let's look at the specific advantages of different products:
Taikang hospitalization insurance 20 19
Adequate and flexible protection: children/children are insured, and the maximum insurance amount can reach 200,000.
You can buy with or without social security, and the reimbursement rate is high: Taikang hospitalization insurance 20 19 can buy with or without social security, and there is no difference in premiums. Most importantly, the reimbursement rate is high. After deducting the deductible, the social security reimbursement will be 100%, and the non-social security reimbursement will be 80%. Compared with many similar products on the market, the reimbursement rate is very high.
Cost-effective: people aged 4-49 buy, accidental death and disability insurance 65438+ 10,000+accidental medical insurance 65438+ 10,000+hospitalization medical insurance 65438+ 10,000, and the premium is only 239 yuan. 200,000 accidental death and disability insurance+20,000 accidental medical insurance+20,000 hospitalization medical insurance, and the premium is only 329 yuan! It is the most cost-effective hospitalization medical insurance on the market at present.
Sunshine hospitalization insurance
Optional outpatient and emergency medical insurance: the outpatient and emergency medical expenses incurred during the insurance period can be paid according to the daily outpatient and emergency limit.
Moreover, sunshine hospitalization insurance covers a large age span, children and the elderly can be insured, and accidental diseases are guaranteed. The insurance coverage is very comprehensive and the premium is very low. Adult purchase premium is only 163 yuan, and friends in need can pay attention to it.
Allianz hospitalization insurance plan
No deductible: there is no deductible for hospitalization or accidental medical treatment, and the threshold for payment is relatively low.
Adequate and flexible guarantee: 65438+100000, 200000 can be selected according to family economic conditions.
Ping An Medical Insurance+Children's Medical Hospitalization Insurance:
High hospitalization insurance coverage: The hospitalization insurance coverage is very high. General hospitalization insurance is only 1 0,000,20000, but this one has 1 0,000, and there is no deductible.
Social security drugs are not limited: drugs inside and outside the medical insurance catalogue are not limited to reimbursement, and all drugs imported at their own expense are paid 100%.
Outpatient support before and after hospitalization: 7 days before hospitalization 14 days.
Although the purchase price of children is not the cheapest, if the protection is comprehensive and the insurance amount is sufficient, friends in need can consider it.
Write at the end: