Medical insurance can be divided into the following two categories. If you want to know how to choose medical insurance, you can read here: "Which medical insurance is best?"

This is the right way to insure!

》1. Medical insurance Medical insurance is the basic guarantee for people’s livelihood and one of our medical benefits.

It is mainly divided into the following three types: Employee medical insurance, which is applicable to working people regardless of household registration type.

During the normal insurance period, you can use employee medical insurance for hospitalization or purchasing drugs in the medical insurance catalog. After paying for a certain period, you can enjoy medical insurance benefits for life.

Resident medical insurance is applicable to people with urban household registration and no employer.

The payment method is to pay for one year and maintain the policy for one year, which can be renewed for life. The premium will not increase with age.

New Rural Cooperative Medical System, also known as New Rural Cooperative Medical Care, is applicable to people with rural household registration and no employer.

Similarly, you pay for one year and have insurance for one year, and the premium is basically fixed.

2. Commercial medical insurance Commercial medical insurance, like traditional medical insurance, is used to reimburse medical expenses. The difference is that commercial medical insurance provides more comprehensive protection.

Commercial medical insurance can also be divided into the following three categories according to premiums: Low-end medical insurance: The premium is usually relatively low, and the insurance amount is not high, usually within 50,000 yuan, including small-amount outpatient medical insurance, small-amount hospitalization medical insurance, etc.

Mid-range medical insurance: Mid-range medical insurance not only covers the liability of million-dollar medical insurance, but also covers the liability of small-amount medical insurance. The coverage is not limited to hospitalization, but also supports outpatient reimbursement.

High-end medical insurance: High-end medical insurance is a product with VIP service nature. It is mainly aimed at high-income and high-consumption groups. The premiums are expensive and can comprehensively solve the problems caused by medical expenses.