What kind of medical insurance is better?

According to different classification methods, medical insurance is also divided into many kinds. Generally buy millions of medical insurance, and can spend hundreds of dollars to buy millions of insurance coverage, which is loved by many people.

Want to know what kind of medical insurance is cost-effective, you can read this article: "Super Full Medical Insurance Ranking in 2020, the most popular medical insurance comparison table in China! ”》

How to buy medical insurance is more appropriate

1, deductible

Medical insurance, whether it is millions of medical care or children's medical care, has a deductible, and medical expenses can only be reimbursed after reaching the deductible standard.

The deductible of millions of medical insurance is generally1-20,000 yuan, and the deductible of small medical insurance is generally several hundred yuan, and there are also products with deductible of 0. We can choose products with low or no deductibles according to our own needs, so that the threshold for reimbursement is lower and the part that needs to be paid at our own expense is much less.

2. The scope and proportion of reimbursement

The reimbursement scope of commercial medical insurance is divided into social security reimbursement and unlimited social security reimbursement. Social security reimbursement means that medical expenses are reimbursed according to the agreement in the social security catalogue, and medical expenses that are not in the social security catalogue cannot be reimbursed.

3. Insurance renewal

The guarantee period of medical insurance is generally short, so it will face the problem of renewal. Some medical insurances will be audited by insurance companies before renewal.

When we choose medical insurance, we should choose products with relaxed renewal conditions. For example, the insurance company will not refuse to renew the insurance because the health status of the insured has changed or claims have been filed in the last year.