My wife took care of the children at home and didn't buy social medical insurance. I want to buy her a medical insurance at the insurance company.

It is recommended to take out health insurance. The main insurance is Health Fuxing (basic guarantee is 65438+ 10,000 yuan), supplemented by accidental injury medical treatment (guarantee is 65438+ 10,000 yuan), accidental injury insurance (guarantee is 65438+ 10,000 yuan) and hospitalization medical insurance A (guarantee is 65438+ 10,000 yuan). The specific premium to be paid depends on the specific age of the insured.

The insurance mainly covers serious diseases (including 45 kinds of serious diseases), and additional insurance covers reimbursement of medical expenses, hospitalization expenses and accidents. After the insured reaches the age of 66, he can also apply to convert part or all of it into an old-age pension as a supplement to the old-age pension.

1, hospitalization can be reimbursed by 70%-95%, and the maximum reimbursement can be 1 10,000 per year, unlimited times.

2. In case of accident, 80% can be reimbursed for hospitalization, with an annual maximum reimbursement of 1 0,000, and unlimited reimbursement for outpatient service.

3, accidental death or total disability can pay an additional 65438+ ten thousand.

4. After social security reimbursement, the rest can be reimbursed (provided that there is social security).

5. Basic coverage: the coverage of 6.5438+10,000 yuan is not forever, and it will increase by 3% every year. The coverage of next year is 10.3 million yuan.

It is suggested that the insured is the husband. This kind of insurance has the function of exemption. The insured can be exempted from the subsequent premium due to accidental death or total disability, and the insured continues to enjoy protection. That is to say, the insured (18-60 years old) loses the ability to pay due to an accident, and the subsequent premium can be exempted, but it does not affect the protection interests of the insured.