"Making It Hard to See a Doctor" - Health Insurance

Health is one's greatest asset, and it is disease and death that pose a great threat to it. The deterioration of the natural environment leads to people's higher and higher risk of major diseases, such as high blood pressure, stroke, myocardial infarction, malignant tumors, uremia and so on are common diseases, and the incidence of these diseases have a tendency to younger, that is to say, all kinds of diseases will come to the door at any time, in fact, in our real life, know how to prevent diseases, health insurance planning can let us in the power of major diseases to be calm.

What is health insurance?

Health insurance is a type of life insurance in which the insured person's body is the subject of insurance and compensates the insured for expenses or losses arising from injury caused by illness or accident.

What are the types of health insurance?

Health insurance can be divided into medical insurance, sickness insurance, private income loss insurance, nursing insurance.

Medical insurance is the insurance condition for the payment of insurance based on the occurrence of medical behavior stipulated in the insurance contract, and the guarantee insurance provided for the medical expenses incurred during the medical treatment period of the insured.

Sickness insurance is the insurance that is the condition of payment of insurance benefits for the occurrence of diseases stipulated in the insurance contract.

The insurance for loss of loss of energy is the insurance payment condition which is the loss of working ability due to illness or accidental injury agreed in the insurance contract, and provides protection for the decrease or interruption of the income of the insured during a certain period of time.

Nursing insurance refers to the insurance which needs to provide protection for the benefit of the insured because of the obstacleof the daily life ability stipulated in the insurance contract.

What is the observation period in health insurance?

There is a key term in health insurance, the observation period, also known as the waiting period, which refers to the period of time that the insured is calculated from the effective date of the contract at the time of the first insurance policy, in the categories of health insurance and major illness insurance. During this period of time, the insured person's illness incurred expenses, the insurance company shall not be liable, after the observation period has ended, the health insurance liability will be effective before the official entry into force, from the realization of the observation period, in the general inpatient medical insurance observation period is generally 30 days or 90 days, in the major illness insurance observation period is generally 90 days, 180 days.

How do I buy health insurance?

1. Regardless of age, first of all, with the assistance of an insurance professional to understand the health insurance status of their own, analysis of their own health risk gaps.

2. Analyze your financial situation and select the appropriate amount of health insurance based on your financial capacity.

3. Pay attention to the practicality of health insurance, do not blindly pursue high coverage, different people, different families, face different risks, financial situation is not the same, the choice of health insurance will be different.

What are the roles of health insurance?

Insurance companies combined with a large number of insured can be medical procurement services, because the insurance companies to take a group purchase method and medical institutions can negotiate, to promote medical institutions to provide quality and cheap services. On the one hand, saving medical expenses, on the other hand, it can reduce the risk of drug abuse, over-examination, and improve the quality of life of the insured.