What is the best commercial medical insurance besides social security?

Wutongshu Insurance Network will help you answer questions ~

First of all, we must understand the classification of commercial medical insurance. At present, there are four kinds of commercial medical insurance suitable as a supplementary scheme of social basic medical insurance in the market: serious illness insurance, expense reimbursement medical insurance, hospitalization allowance medical insurance and accidental injury insurance.

Priority is given to subsidizing medical insurance. In order to make up for the loss of income caused by sick leave and part of the medical expenses paid by myself. Expense reimbursement medical insurance mainly reimburses the remaining part after social security reimbursement, and cannot be reimbursed repeatedly or over-reimbursed, so it can be selected appropriately. The compensation liability of subsidized medical insurance is to pay the agreed compensation according to the number of days of hospitalization and the number of insured shares, regardless of the disease type and treatment cost.

Critical illness insurance is characterized by paying insurance money immediately after diagnosis. When the insured suffers from a serious illness and needs treatment, although most of the medical expenses can be solved through social security, the out-of-pocket part is still a very heavy expense, and social security has considerable restrictions on medication and hospitals. Commercial critical illness insurance can be said to be an effective supplement to social medical insurance.

There are still many restrictions on accidental injuries in the current social medical insurance system, and the protection is obviously insufficient. We can't forget to take out accident insurance. The biggest advantage of accident medical insurance is its low rate and high security.

When applying for insurance, you should pay attention to the following points:

1. Commercial medical insurance has a waiting period. Different products of different insurance companies have different waiting periods, some are 30 days, some are 90 days and so on. During the waiting period, the insurance company will not compensate for the accident. So choose a product with a short waiting period.

2. Commercial medical insurance generally has deductible. In other words, if the medical expenses do not exceed the deductible, the insurance company will not pay; If the deductible is exceeded, only the excess will be paid according to the contract. Therefore, to buy commercial medical insurance, we should choose products with low deductible.

3. Pay attention to telling the truth when insuring. The clause of telling the truth is mainly to prevent the insured from taking out sickness insurance. When buying commercial medical insurance, the insured should pay attention to this. If you deliberately conceal your illness or medical history, once it appears, the insurance company is likely to refuse to pay compensation.

4. It is best to choose products that guarantee renewal. Commercial medical insurance generally increases the premium with the age of the insured. The older the insured, the higher the premium. At the same time, the worse the health, the higher the premium. If you have certain diseases, the insurance company may refuse to cover them. If there is a guarantee renewal clause, you don't have to worry about the insurance company's refusal. Even if you are seriously ill before the expiration of the coverage, as long as you apply for renewal after the expiration of the coverage, the insurance company will still cover it. Generally speaking, commercial medical insurance should pay attention to various details when applying for insurance. Besides guarantees and exclusions, waiting period, deductible, guarantee renewal and other matters related to personal interests can not be ignored. Any commercial medical insurance is not described by price, but must be judged from the perspective of cost performance. Only in this way can we choose a satisfactory insurance product.

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