ask
How to choose the best health insurance?
answer
In the modern commodity economy society, it is a good investment choice to rationally use financial instruments to protect one's own economic interests. As an important economic guarantee in life, commercial insurance plays an irreplaceable role. The most fundamental starting point of buying commercial insurance is to let yourself and your family get legal and reasonable economic security and make compensation from an economic perspective when disasters and losses occur. This also determines that insurance companies pay more attention to the protection function of insurance products, and the insurance products with protection, high flexibility and comprehensive service are becoming the mainstream of the current domestic insurance market. Get to the point: Which insurance company is stronger in the financial management strategy of the Eleventh Golden Week? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
According to the information provided by authoritative departments, malignant tumors, cerebrovascular diseases, heart diseases, respiratory diseases, injuries and poisoning, endocrine, nutrition and immune system diseases, digestive system diseases, genitourinary system diseases, mental diseases, neuropathy and other major diseases have become the top ten killers that threaten the health of China people and lead to death. At the same time, due to the rising incidence of diseases and medical expenses year by year, since 1988, China's medical expenses have increased rapidly at a rate of 20% every year, ranking first among all citizens' consumption expenditures. Therefore, more comprehensive and thoughtful health protection has become the life demand of more and more people.
In recent years, with the deepening of the reform of medical insurance system, the role of commercial health insurance has become increasingly apparent. Information from the domestic insurance market shows that with the increasing awareness of consumers and relying on its original "guarantee" function, the development momentum of health insurance is promising.
Tips for purchasing health insurance:
1. When designing the safeguard scheme, you can choose the form of main insurance plus additional insurance. In addition to taking the critical illness insurance such as "Corning Life Insurance" as the main insurance, you can also buy some short-term (mostly one year) outpatient, inpatient and comprehensive medical expenses insurance or hospitalization subsidy insurance in the form of additional insurance. For example, China Life Insurance has additional hospitalization medical living allowance insurance and additional hospitalization medical insurance. How about China Life? I just sorted out the relevant contents, hoping to help you: How about China Life? Top Ten Life Insurance Products Ranking List!
2. The above protection plan should be based on the premise that the economic situation of the individual or family allows. After all, health insurance, as a pure guarantee type, is consumer-oriented and the premium is non-refundable. 3. Because the premiums of most health insurance products increase rapidly with age, and some insurance products can't be insured after the insured exceeds a certain age (65 years old), young people who need to buy them should be insured as soon as possible and enjoy a guaranteed life.
Bao Ge tip: We can buy products that suit us according to our own needs. Facing life accidents and diseases, it is very important to buy health insurance. As an important economic guarantee in life, commercial insurance plays an irreplaceable role.