Hello everyone, I am Jian Baojun.
Recently, an invoice on the Internet became popular, claiming to have defeated 95% of Chinese families.
invoice shows that someone was hospitalized in the cardiovascular surgery department of a hospital for 61 days, spending a total of 1.04 million yuan.
At that time, my first reaction was: Could it be fake news, right?
searched for a long time and found that not only is the 1.04 million yuan real, but it is only a part of all hospitalization fees. The actual cost in more than two months is more than 1.7 million.
The patient's family said that in order to treat his family, he had borrowed a lot of foreign debts.
can't help but sigh that medical treatment is getting more and more expensive now... However, Jian Baojun is still quite at ease. He has a critical illness insurance and medical insurance in his hand, and many major risks have been handed over to the insurance company.
critical illness insurance is a lot. Take this opportunity to talk about hospitalization medical insurance with you.
What is hospitalization medical insurance?
Hospitalized medical insurance is a type of medical insurance, which mainly reimburses medical expenses related to hospitalization.
Friends who are familiar with me should know that the order of configuration of household insurance has always been suggested to term life insurance and critical illness are the core, and hospitalization medical insurance and accident insurance are supplemented by .
But relatively speaking, hospitalization insurance is much cheaper than serious illnesses. The popular hospitalization in the current million yuan can buy million yuan in insurance for just a few hundred yuan, and the leverage of is still very high.
If the real budget is limited, it is better to have such a guarantee first than nothing.
Many friends can’t figure out the difference between critical illness insurance and medical insurance. If you are not clear, you can look at the table I made below, which will be clearer:
Simply put, the two have different functions and cannot replace each other. They are more suitable for simultaneous configuration and complement each other.
Purchase hospitalization medical insurance, pay attention to these 3 points
1) Deductible
deductible is similar to what we often call deductible. To be briefly understood, if you are hospitalized, you must bear part of the expenses yourself before applying for a claim, and the insurance company will reimburse you for any excess.
Currently, the mainstream million-dollar medical insurance basically has a deductible of 10,000 yuan.
insurance transfers a huge risk that we cannot bear. With this deductible reimbursement threshold, the premium of hospitalization medical insurance can be made so cheap, which is not a bad thing for us.
2) Reimbursement scope and reimbursement ratio
Hospitalization medical insurance Not all hospitalization medical expenses can be reimbursed.
Some will reimburse responsibilities such as proton heavy ions and out-of-purchase drugs, while others do not include them; some medical insurances will limit the scope of compensation within the scope of social insurance, and some will not limit social insurance. Everyone must see clearly.
However, currently, the mainstream million-dollar hospitalization medical care does not restrict the use of internal and external medicines for medical insurance, and both imported and self-paid medicines can be reimbursed.
Another thing to note is that before buying insurance, don’t forget to provide medical insurance for yourself and your family first. With medical insurance, it is usually cheaper to buy medical insurance.
3) Renewal conditions
This is what I value most when choosing hospitalization medical insurance myself.
I know many people will claim that their hospitalization medical insurance is to ensure that renewal. But at present, except for the national medical insurance and tax-optimal health insurance, there is no medical insurance for that can guarantee long-term continuous renewal.
The hospitalization medical insurance currently on sale has the maximum guaranteed renewal period of 6 years. I have summarized their renewal strategies, mainly four:
suggests that everyone can prefer products that can guarantee short-term renewal, such as good medical insurance. Of course, one-year products with high cost performance and relaxation of renewal conditions can also be chosen, such as exclusive e-life.
If the product is average in cost performance, renewal needs to be reviewed, so it is not recommended that you purchase it.
comprehensively, in hospitalized medical insurance, I recommend that you choose a million-dollar medical insurance with high deductible and high insurance coverage. At the age of 30, you can handle it for a few hundred yuan a year, and the guarantee leverage is the highest.
1 combination tips, hospitalization does not cost 1 cent
Finally, I share with you a tips for a medical insurance combination.
million hospitalization medical insurance products usually have a deductible of about 10,000 yuan.
So the problem is, although the deductible of 10,000 is not much, what should I do if I am hospitalized and I still don’t want to spend my own money?
Don’t worry, I have also come up with a solution for you, that is, in addition to the million-dollar medical insurance, , purchase a small amount of inpatient medical insurance . As the name suggests, the maximum insurance amount may be only 10,000 or 20,000 yuan, but the deductible amount is extremely low, or even 0 deductible amount.
small medical treatment + million medical treatment can be said to be a seamless hospitalization guarantee, which is enough to cover most hospitalization-related expenses, and may even be at the cost of 0 at your own expense.
However, although small medical insurance is good, the maximum reimbursement amount is only tens of thousands at most. It is not useful if you really get a serious illness, so million-dollar medical insurance is still standard. On this basis, it’s enough for everyone to supplement small medical care as needed.
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