Things to consider when buying health insurance

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Hello, how much money is appropriate to buy health insurance needs to be analyzed according to your own financial situation, in general, the premium investment in the family annual income of 10% -15% is very appropriate. The amount of coverage is 6-10 times the annual income of the family is more appropriate. The buyer of Ping An health insurance should still be good, you can according to their own actual situation to the insurance company to compare the choice of health insurance suitable for you

Out of the "health insurance" six misunderstandings

Misunderstanding a: "I am healthy and have medical insurance, do not need to buy health insurance, or

The degree of protection of health insurance is limited, the scope of drugs that can be reimbursed by health insurance is also very limited, in the United Kingdom, Germany, such as the social security of the country is extremely perfect, and there are still a large number of residents to buy commercial health insurance, in our country is even more need to save for a rainy day.

According to public data, the probability of a person suffering from a serious illness in his lifetime is as high as 72%, and being healthy now does not mean being healthy forever in the future. According to the research, the comprehensive health index of the mainland residents of our country has shown a V-shaped change, with its score declining from the age of 30, and bottoming out at the age of 50 to 59, and then rebounding in the years after the age of armor. In other words, after 30 years of age, our health began to go downhill, and as a healthy body and with a sick body premium requirements can be a world of difference, in order to avoid the pain within a day, to prepare for their own early a suitable health insurance is still very necessary.

Myth 2: "Buying one type of health insurance is enough"

Medical insurance, critical illness insurance, disability insurance and other products have their own merits.

For example, buying medical insurance can certainly provide more appropriate protection, but it will inevitably leave a gap in coverage, while non-cost-reimbursable health insurance, such as critical illness insurance, is not bound by the principle of compensation for loss, and can be compensated at the same time as the other products in the event of an accident.

On the other hand, critical illness insurance can't cover all kinds of illnesses, so you need other health insurance to match. Therefore, if your financial situation permits, it is a good idea to tailor-make a variety of different health insurance policies for yourself.

Myth 3: "Focus on earnings more than protection"

A large portion of the products on the market are savings-type health insurance, and although these products have quite attractive returns, but through the dazzling terms of the essence of the return part of the maturity of the return rate of return in general is significantly lower than the bank's after-tax interest rate on time deposits. After-tax interest rates on time deposits, and our insurance company's dividends are also extremely limited. Therefore, this part of the premium is not as good as choosing a stable financial products more affordable, not to mention that if the urgent need for money had to surrender, can only get the cash value of the policy, even lower than the amount of the principal.

Health insurance is essentially a protection product against health risks, so if you don't know the insurance company's financial policy, you should buy a consumer health insurance policy and invest the money you save.

Myth 4: "As long as the contracted medical expenses are incurred, health insurance will cover them"

This question actually involves a deeper jurisprudence, that is, whether the principle of compensation for loss applies to health insurance, especially for cost-reimbursable products. On this point, the Beijing Municipal Higher People's Court adopted on March 12, 2007, "the trial of civil and commercial cases of a number of questions of the answer to the fifth (for trial)" clearly stipulates that: "personal insurance belongs to the health insurance, accidental injury insurance on the medical costs of insurance, does not apply to the principle of compensation. Unless otherwise agreed in the insurance contract." In other words, if the insurance contract clearly states that "the insurance company assumes the responsibility for the remaining medical expenses of public medical treatment and social medical insurance" or other exemption clauses, then the compensation of the insurance premium will be deducted from the actual medical expenses of the exemption part.

Myth 5: "If you have a serious illness, you need to pay for it"

Critical illness insurance is based on the major illnesses agreed in the insurance contract, and insurance companies usually add some of their own major illnesses to the 25 major illnesses included in the Specification for Use of Disease Definitions in Critical Illness Insurance. The major illnesses will be paid for, but not whenever you get a major illness.

At the same time, the policyholder also needs to truthfully inform the insurance company of his health condition, and pay attention to the payment of premiums on schedule, some critical illness insurance contract after the interruption of premiums, the policyholder if the policyholder in the retroactive reinstatement of a period of time, the insurance company is exempt from liability.

Myth 6: "The more diseases covered by critical illness insurance, the better"

All critical illness insurance covers malignant tumors, acute myocardial infarction, and other six most likely diseases, and 95% of the claims of critical illness insurance are concentrated in the 10 kinds of major diseases, the claim rate of cancer is as high as 84.4%, while other diseases are not as likely to occur, the claim rate is as high as 84.4%. And the probability of other diseases is not high. If you are looking for a comprehensive coverage of diseases, the premiums will be very high, which is not suitable for the average family.

Most people are not "rich", so it is necessary to choose the right product according to the actual situation of the insured, to buy for the children need to choose the children's high incidence of diseases, such as leukemia, women consider breast cancer, cervical cancer and other female diseases, the elderly focus on cardiovascular, organ diseases, etc., the money is spent on the edge of the knife, in order to make the critical illnesses, the most important thing is to spend the money. The first thing you need to do is to get the best out of your life, and then you'll be able to get the best out of your life.