Financial School 丨 How to buy different health insurance

On May 18, citizens handled related businesses at Urumqi Social Insurance Center. Reporter Zou Yi Photo

Tianshan.com reporter Ran Hu

With consumers' attention to health care, more and more people have escorted their physical health by purchasing health insurance. There are many insurance products on the market, and many people have mixed health insurance, medical insurance, and disease insurance. Professional reminders: Health insurance is a collective name. Medical insurance and disease insurance focus is different. When choosing, you should understand their respective functions. Do not care about it.

Zhang Dongsheng, manager of the Xinjiang Branch of China People's Health Insurance Co., Ltd., explained that health insurance is a kind of insurance that protects the insured's physical health and provides medical expenses and partial losses during hospitalization. Health insurance is divided into medical insurance, disease insurance, income insurance insurance and long -term care insurance depending on insurance liability.

For medical insurance and disease insurance that consumers are prone to confusion, Zhang Dongsheng compared: "Medical insurance is reimbursement cost. When the insured person is sick or accidental, the insurance company compensates the insured as the insurer's corresponding proportion of insurance. The scope of protection includes: treatment costs, drug costs, bed costs, surgical costs, examination costs, nursing costs, etc. "

The main protection object of disease insurance is the insured who occurs major diseases, so it is also called major illness insurance. If the insured pays insurance premiums, if a major illness occurs during the insurance period, the insurance company must pay the insurance amount at one time in accordance with the insurance amount of the insurance policy. Generally, the insurance amount of this insurance policy is relatively large.

Zhang Dongsheng added: "Medical insurance and disease insurance are health insurance. The role of the two is complementary and each has its own strengths. In layman's terms, medical insurance is for the purpose of reimbursement of some medical expenses; The purpose of compensation for the loss caused by disease or accident. "

"Medical insurance follows the principle of paying compensation and re -commercial insurance compensation. It is not full payments, but a proportion of compensation." For the common misunderstanding of claims, Zhang Dongsheng explained, "Although disease insurance is 'payment is' payment ', it is not' Diseases of the disease. Just pay ', take 28 common major diseases as an example. In addition to the case of confirmation, some also need to perform agreed surgery or reach the state of the disease to pay. Therefore, not all major diseases can be obtained once the diagnosis can be obtained. If you pay for insurance, when you buy insurance, you must pay attention to the provisions of the major illness and pay the clause and the payment standard! "

For how to choose health insurance, Zhang Dongsheng suggested that consumers choose according to the actual situation and their own needs. "If you want to obtain sufficient medical insurance, you can choose medical insurance; people with a family history of major illnesses can give priority to critical illness insurance; if the insurer is worried about the disease or accident causes income interruption, you can choose the disabled care insurance."

Zhang Dongsheng reminded that you should pay attention to a few key points when buying health insurance:

Before purchasing health insurance, you must carefully read the insurance terms, pay special attention to the provisions of except responsibility, exemption, and exemption period, understand your rights and obligations, and then use your own health insurance needs and economic conditions to make rational purchase.

Health insurance has a "waiting period" rule. If the insured person develops during the waiting period, the insurance company will not pay. Therefore, when choosing health insurance, it is best to choose a product with a short period of time.

Pay attention to the guarantee of guarantee renewal clauses. That is, when the previous insurance period expires, when the insured person submits an application for renewal, the insurance company must continue to underwrite in accordance with the original terms, and the rate cannot be adjusted for personal risk conditions. Therefore, it is important to choose a product with a guarantee of renewal clauses.

Zhang Dongsheng specially reminded: "In particular, it is important to note that when buying any health insurance, you should truthfully fill in his physical condition and past medical history and other needs to be notified. The insurance policy does not return the premium. "

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