How to buy supplementary medical insurance for serious illness in Shenzhen

1. How to buy supplementary medical insurance for serious and serious diseases in Shenzhen?

(1) Automatic deduction. If the balance of the personal account of the first-class insured of basic medical insurance reaches 5% of the average salary of the previous year (that is, 3,632.4 yuan), the Municipal Social Security Bureau will assist in directly deducting the payment from the personal account. The insured person logs in to the website of the Municipal Social Security Bureau to check whether the personal page of social insurance service meets the qualification of automatic deduction;

(2) Online methods such as "Ping An Endowment Insurance" of WeChat official account. For the first-level insured and the second-and third-level insured whose personal account balance does not meet the deduction conditions, WeChat can pay attention to the online methods such as "Ping An Endowment Insurance" WeChat official account, downloading Ping An Good Welfare APP or logging in to Ping An official website;

(3) Social security branches or Ping An Bank outlets can be handled at 37 windows of social security branches (stations) in the whole city or Shenzhen Ping An Bank 150 business outlets;

Two, serious illness supplementary medical insurance matters needing attention

The amount of insurance is very important. The per capita treatment cost for serious illness is about 200,000, while the actual claim for serious illness is only 58,000, which shows that the insurance coverage for serious illness is seriously insufficient. A person suffering from a serious illness, in addition to huge medical expenses, the lost time, nursing expenses and future income will be great losses. Therefore, when planning major diseases, priority should be given to the insured amount, and the minimum amount is 200,000 yuan to ensure the treatment cost. If conditions permit, it is recommended to use 5 times of your average annual income in recent years as the standard amount, so as to ensure that you get good aftercare and care after treatment;

The choice of product type is very important. The incidence of serious diseases in women is higher than that in men. For women, it is suggested to choose pure critical illness protection products. On the one hand, it can save a lot of costs, on the other hand, it can leave more choices for themselves, while the claim rate of life insurance men is higher than that of women. For men, it is recommended to choose a combination of life insurance and critical illness insurance, because the cost of purchasing life insurance and critical illness insurance alone will be high, and more comprehensive protection can be obtained at the lowest cost.

Three, the term of supplementary medical insurance for serious illness

The longer the guarantee period, the higher the expenditure cost. For people with limited planned expenditure, the longer the guarantee period, the more economic pressure will undoubtedly increase. 30-60 years old is the high incidence stage of major diseases. It is suggested that priority should be given to planning regular critical illness insurance, with a period of 70 years, and cancer prevention insurance can be supplemented later.

To sum up, all the contents are a sort of insurance problems related to major diseases. Whether it is necessary to enter insurance is a physical examination. Generally, it is not required, but there are exceptions. Sorting out some exceptional special circumstances, and answering the question of whether it is necessary to have a medical examination when purchasing critical illness insurance in detail, and then introducing how to purchase supplementary medical insurance for serious and serious diseases in Shenzhen.