With medical insurance, how much should I buy for critical illness insurance?

Medical insurance has deductible line and capping line, self-funded items and self-funded proportion. Qifubiaozhun is different according to the level of the hospital, and the floating standard is also different. 200 yuan, a first-class hospital, 440 yuan, a second-class hospital, and 880 yuan, a third-class hospital. The capping line is determined according to the social wage base, with urban workers as the capping line, urban residents as the capping line, and the new rural cooperative medical system as the capping line. Medical insurance for minor ailments and pains can be reimbursed by 80%-90%, but when encountering major diseases, it may cost a lot of self-funded drugs and self-funded items, and the reimbursement ratio will not be so high. Medical insurance for general major diseases may be reimbursed by about 50%.

The principle of social security is "insurance with wide coverage, low security and no package": 1, and the social security policy is changing; Social security needs start-up funds; 2. Social security has a threshold and pays by itself; 3. Social security has "seven concerns": hospitalization deposit, self-funded equipment for surgery, self-funded drugs in ICU, family expenses during hospitalization, rehabilitation nursing expenses, income loss caused by work interruption, and future "income loss".

Therefore, there is medical insurance for minor illnesses and critical illness insurance for serious illnesses. Although both are insurance, the types of insurance are different. About how much to buy for a serious illness, we need to know the specific situation of the individual in order to make clear the specific plan for a serious illness.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.