Insurance, medical insurance insurance analysis Medical benefits insurance, and that is a result of accidental injury or illness led to interruption or reduction of income, the income from the insurance companies to protect the insurance compensation. Insured for accidental injury, illness requiring hospital treatment, the insurance company will compensate according to the agreed standards or to provide hospitalization benefits for loss of income. Medical reimbursement insurance, and that is to produce an accident or illness payment of medical expenses for the condition, according to the agreed percentage of medical insurance premium payments. The most common medical costs of hospitalization and surgical expense reimbursement insurance, and some emergency expense reimbursement insurance, the door. Account-based health insurance is a life-long rise of the last two years, after the insurance needs of a certain period of time (such as 10 or 20 years) to pay a fixed premium each year, equivalent to a life-long health care to start his own fund account. In the future as long as hospitalization due to illness or accident, you can get from the medical benefits of this account, up to life. ? ? Purchase of medical insurance and social security preferred complementary http://finance.sina.com.cn 2005 年 11 月 24 日 18:38 Xiaoxiang Morning As a supplementary means of social health insurance, business health insurance more and more public attention. According to newspaper &quot;2005 Billboard Hunan finance and insurance,&quot; insurance online and mail polling data show that compared with other insurance products, the general public&#39;s concern for the health care insurance, the highest, on &quot;the most popular type of health care insurance products&quot; selected number of votes up to 189,506 people at present. Among them, Taikang Life, &quot;Century Tai individual hospital medical insurance,&quot; Pacific Life &quot;wishful well-being well-off family insurance&quot; safe &quot;three Hong Jiankang Insurance Scheme&quot; temporary top three. ? The face of the insurance market, many medical insurance, whether your own needs and have sufficient understanding of insurance terms, spent the money it has been duly protected? How to buy bed of roses for medical insurance? This reporter interviewed Tai Ping Insurance agencies and other relevant experts in the province. Insurance experts say, for different groups of people, the economic situation of family and shoulder the family responsibilities, the Bao Zhang Yi You 等 situation different in the Xuanzejiankang Yi Liao Lei Ying insurance also be emphasized to distinguish different priorities of products to choose type. ★ As the family economic situation, security situation varied choice of medical insurance should be emphasized. Photo&#39;s Yin Jianjun Have focused on three types of health insurance There are currently three major health insurance - critical illness insurance, hospital charges and hospital reimbursement-type insurance, the insurance subsidy type. Newspaper Distinguished Insurance Financial experts, Taikang Life Insurance Company of Hunan Xian-feng that, depending on security and family responsibilities, the public health insurance choices should be emphasized. Critical Illness: The payment terms for the disease, in general, as long as the insured person is diagnosed with a disease as defined in the contract, regardless of the number of medical expenses, can be agreed upon by the insurance contract on the amount of compensation. Such insurance does not require the insured to provide the appropriate invoice cost. Hospital reimbursement type insurance: to accident or disease resulting from conditions of hospital medical costs paid by the insurance contract reimbursed. Such insurance and complementary social insurance, claims gold in the hospital after the insured benefits, the insured needs to provide the appropriate invoice cost. Hospitalization subsidies based insurance: the insured person is an accident or illness leads to hospitalization, insurance companies, according to the standard contract to pay the insurance subsidy income protection insurance, and social insurance and other commercial health insurance has nothing to do, is in hospital after the payment. For different groups, since the family&#39;s economic situation, take the family responsibilities, the existing security situation so different, the choice should be emphasized when, instead of biting off more than a perfectionist. First consideration and complementary social security Select insurance first consider whether to participate in social basic medical insurance. Insurance experts said that if there is social security, then the insurance business health insurance is an add, so are advised to consider the subsidy-based health insurance. If there is no social security, you need business to provide comprehensive medical insurance, medical insurance, medical expenses before the election, and then consider the medical benefits. In addition, children under the age of 16 and adults over the age of 35 should be considered with a heavy disease risk. &quot;In full consideration of all the items to be insured, should follow the &#39;proper insurance, comprehensive protection&#39; principle, in order to avoid duplication of insurance.&quot; 专 家 say, for example, such as medical expense insurance, the general asked the invoice to the insurance company, &quot;claims&quot;, So instead of buying the more you pay the more. If ready to buy a number of insurance should cover as much as possible in an integrated manner to avoid policies that may arise between the various separate duplication, thereby saving insurance. Second, re-insurance illness insurance, long-term health insurance, try to choose the form of payment of long. Installment payment fee each time less, not too great a burden to families. Moreover, many insurance companies provide that insurance coverage for major diseases in payment period from the date of payment shall be exempt from the subsequent period of insurance, so that better reflect the safeguards. Should be chosen according to different age insurance People of different ages should choose different types of health insurance. Insurance experts said, in general, just to the community of young people, physical risks mainly from accidental injury, a combination of medical insurance accident health insurance can be based. And people over 30 years of age can buy hospital insurance focus to meet the general hospital medical expenses. &quot;Healthy women should be planned before the age of 35 their risk of major diseases. 35 years ago is the shift from single-family phase of growth period, the family insurance plan should better their own accident insurance and term life insurance. In addition, the insured after age 35 Health insurance premiums will be much higher, so 32 to 35 women between the ages of the health insurance plan is appropriate. Middle-aged pillar of the family should be &quot;re both sick and subsidies,&quot; head of the household, especially middle-aged members of the family to buy a major risk of major diseases is necessary. Insurance experts have warned that, for men, 35 to 40 years old in critical illness insurance plan is more reasonable, but after 40 years of insurance are required when the possibility of additional charges or refused insurance coverage increased. For people over 50 years of age, will have to catch up as soon as the last train ride big dangerous. Elderly more likely to major diseases, the risk of major disease focus of its coverage. However, due to the higher incidence of the insurance company underwriting restrictions on the type of people more, so the best in 55 or even 50 years ago to complete the purchase. Therefore, the elderly should be the first major disease insurance coverage, and then select the appropriate hospital medical expenses the cost of insurance and subsidies for the insurance.
Pages to are hidden for
"Insurance_ medical insurance insurance analysis"Please download to view full document