Is comprehensive medical insurance good? What's the role?

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Xiao Nuo answer:

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Comprehensive medical insurance refers to a comprehensive medical expense compensation insurance business provided by an insurance company for the insured, and its expense compensation scope includes all expenses such as outpatient service, hospitalization and surgery. Comprehensive medical insurance is a common medical expense insurance abroad at present, which can compensate most of the medical expenses caused by diseases and accidental injuries, and the medical expense compensation provided by it greatly exceeds that provided by ordinary medical insurance in terms of coverage and compensation degree. Compared with general medical insurance, comprehensive medical insurance is characterized by:

1. Wide coverage

Comprehensive medical insurance provides a wide range of protection for all kinds of hospitalization and outpatient expenses, and its insurance liability generally includes: hospitalization bed fee, examination fee, operation fee and medical treatment fee. In addition, the insurance liability of comprehensive medical insurance also includes compensation for outpatient medical expenses and some rehabilitation treatment expenses, such as artificial limbs, artificial joints, wheelchairs and ambulances. For the above medical items, the compensation limit of comprehensive medical insurance is relatively high, which is different from basic medical insurance, and its exclusion liability is much less.

2. Risk sharing

In the comprehensive medical insurance contract, a relatively low deductible will be determined, and the cost sharing ratio between the insurance company and the insured will be agreed, and the insurance company and the insured will share the cost risk together to control the cost and prevent moral hazard.

3. complementarity.

Formally, comprehensive medical insurance mainly includes comprehensive high medical insurance for serious illness and supplementary high medical insurance for serious illness which is connected with general medical insurance. From the content, the insurance liability of some comprehensive medical insurance also includes the cost of preventive health care services. It can be seen that the main function of comprehensive medical insurance is to provide more adequate medical security for those individuals or groups without social security.