Financial experts teach you to buy health insurance

Health insurance mainly includes medical insurance, disease insurance, income protection insurance and nursing insurance 4 types, different types of products, how health insurance should be purchased to be reasonable, consumers need to pay attention to 4 aspects.

As a result of the outbreak of new coronavirus pneumonia, people's concern about health insurance has also increased significantly, according to recent data released, the first quarter of 2020 the industry-wide health insurance business increased by 21.5% YoY, up 87% YoY in the fourth quarter of 2019, online insurance policies increased by nearly 350% month-on-month.

Health insurance mainly includes medical insurance, disease insurance, income protection insurance and nursing insurance 4 types, different types of products, how health insurance should be purchased is reasonable, the program gives the answer, consumers need to pay attention to 4 aspects.

1, clearly ensure what, that is, their own needs

Medical insurance is the first treatment, and then according to the medical documents to the insurance company for reimbursement, is the process of payment, the general protection is not reimbursed by social security that part of the cost, or the cost of social security catalog.

Sickness insurance as long as the customer confirmed that the contract agreed on the kind of disease, the insurance company will lose money, lose a contract agreed amount, is to pay first, the customer gets this money can be used as medical expenses, but its limitation is only to pay for those diseases described in the contract, such as cancer insurance, it can only pay for cancer-related diseases.

2, clearly for whom to protect

In general, insurance is given to the family's main financial source, as the person has the greatest impact on the overall household income once the person has a disease. Generally speaking, the order in which families buy insurance should be the main economic pillar, sub-economic pillar, no economic income, Peng Peng has been suggesting that adults first, because adults are the income of the family, children are the expense of the family, children are sick can be taken care of by adults, by adults to raise medical expenses, and if adults are sick, who to raise medical expenses, who to take care of children?

3, to ensure how long, that is, the payment time and the duration of protection

When sickness insurance protects the same amount of insurance, the longer the payment period, the smaller the amount of each payment, the less financial pressure on the policyholder. In terms of the duration of protection, in the case of economic strength allows, as far as possible to protect the period of some because with age, disease and medical risk will be greater and larger, so in the conditions permit, disease insurance and medical insurance should be bought, disease insurance as far as possible to choose the life-long type.

4, clear contract insurance contract other important content, truthfully inform

Insurance claims are strictly in accordance with the contract, so in the purchase must pay attention to which is liability exemption (i.e. do not claim), deductible amount, in order to avoid claims when disputes or even insurance companies refuse to settle claims, customers need to be truthfully informed of the health of the insurance, must not be deliberately concealed.