How to buy the best medical insurance in 2020? What is a deductible?

I just know the best way to buy medical insurance and how much the deductible is. I just sorted out the insurance information about medical insurance, hoping to help you:

0 1 How to buy commercial medical insurance?

How to buy commercial medical insurance? First of all, we must be clear about our own security needs.

Faced with the risk of disease, we can rely more on reimbursement to solve the problem of medical expenses and reduce the impact on families?

So we should consider our own situation first:

The first type: you have to pay social security and enjoy the national basic medical security.

We need to know the relationship between basic medical insurance and commercial medical insurance: complementary relationship.

Therefore, when we buy commercial medical insurance, we should supplement those points that cannot be guaranteed by basic medical insurance.

I suggest that we can add a million medical insurance in the case of basic medical insurance.

In this way, while enjoying small basic medical insurance such as outpatient service and hospitalization, the occurrence of major diseases can be guaranteed with the least premium.

For more inventory of millions of medical insurance knowledge, please refer to my previous article: What are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020

The second type: if you don't pay social security, you can't enjoy the national basic medical security.

I suggest that before buying commercial insurance,

First, provide yourself with national basic medical insurance, because this is the welfare that the state gives to the people. It is the cheapest and the most cost-effective. If you can, you must go

When you have the national basic medical insurance, you can buy the corresponding commercial insurance according to the first situation to improve the protection.

What is the deductible?

Just now, when we were talking about millions of medical insurance, the word "deductible" appeared. Maybe some friends don't know what it is. ?

In fact, it is easy to understand, because the rate of medical insurance is relatively low.

Generally, a certain threshold will be set, and insurance companies will set a certain deductible instead of doing charity.

For example, the deductible of outpatient medical insurance often ranges from 50 100200, and the deductible of million medical insurance usually ranges from 10000 yuan.

As the name implies, the deductible refers to the part of the insurance company that is exempted from payment. Only when the deductible is exceeded will the insurance company pay.

For example:

For example, Lao Wang went to the hospital when he was sick, and the medical expenses for seeing a doctor cost 654.38+10,000 yuan.

Among them, 50,000 yuan is social security reimbursement, and 50,000 yuan needs to be paid out of pocket.

But if Lao Wang has a million-dollar medical insurance, the deductible is 6.5438+0 million yuan.

And the out-of-pocket expenses of 50,000 yuan are all within the responsibility of millions of medical insurance.

Then Lao gets 40,000 yuan (50,000 yuan is deducted from the deductible 1 10,000 yuan).

Now everyone has a certain understanding of the deductible.

Let me summarize.

Everyone is at risk of getting sick, taking medicine and being hospitalized. Before the risk comes, we should make full preparations.

If each of us can allocate medical insurance scientifically and reasonably, basically we only need a few hundred dollars a year to reimburse the medical expenses we need.

Therefore, medical insurance is essential for the personal protection of every small partner.

For more inventory of medical insurance knowledge, please refer to my previous article: What are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020