2. Many past diseases in insurance refer to diseases that are not included in the health notice. The diseases I had before have recurred.
3. Millions of medical insurance can't compensate 6.5438+0 million.
(1) ten thousand medical insurance can only reimburse the actual medical expenses, not directly compensate 1 ten thousand, and multiple medical insurances cannot be reimbursed repeatedly.
Buying insurance is not that the bigger the company, the better.
(1) The threshold for the establishment of an insurance company is very high, with a registered capital of 200 million yuan, which must be paid in currency and supervised by the CBRC, which is very safe.
(2) Due to the high labor cost and advertising cost, the cost performance of products developed by large companies may be low.
(3) Even if an insurance company goes bankrupt due to poor management, other insurance companies will take over their policies, and how to settle claims after the accident.
5. Be sure to tell the truth when buying insurance. There are many ways for insurance companies to investigate us.
(1) To buy insurance, you need to inform your health status. You must answer truthfully and don't hide it, otherwise it will affect your future claims.
(2) There are many ways for insurance companies to check our medical history, such as investigating the use records of medical insurance cards, visiting hospitals or medical institutions, and checking the claims records of peers.
6. If you have physical problems, you don't have to tell all insurance companies when you apply for insurance.
(1) The principle of health notification followed in buying insurance is limited notification, that is, answer whatever you ask, don't ask and don't answer.
(2) You don't need to go to a physical examination before health notification, but it will affect insurance. It is recommended to go to the physical examination after the waiting period of insurance.
7. Critical illness insurance is not a guarantee. The more diseases, the better.
A large number of (1) is not a complete guarantee, but the key is to see if we can protect high-risk species.
8. The lever for the elderly to buy critical illness insurance is too small.
(1) When the elderly over 55 buy critical illness insurance, the total premium may exceed the insurance company's claims. At this time, health underwriting may not pass, and critical illness insurance is not cost-effective.
(2) Older people over 55 years old are advised to buy anti-cancer medical insurance and accident insurance, which is highly leveraged.
9. Buy insurance, the sooner the better.
(1) Because the earlier you buy it, the cheaper the insurance will be. More importantly, the later you buy insurance, the stricter the underwriting, and the more likely you are not to buy it.
10, Matters needing attention in purchasing Huimin Bao:
(1) Advantages: low threshold, small age limit and low price.
(2) Disadvantages: 100% may not be guaranteed (depending on the insured amount).
(3) Pay attention to the scope of protection: the self-funded part (if it is out of the scope of social security reimbursement, you should pay for it yourself), the self-funded part (if it is not reimbursed by social security, you should pay for it yourself), and the past illness (see the detailed terms of the insurance you bought).
1 1. When selecting products, you can pay attention to the following aspects:
(1) green channel service for medical treatment: it's not that important, there are alternative products.
(2) Medical treatment first: it is generally more important, and the service standards are not uniform.
(3) tumor specific drugs: important, if not important, you can add a specific drug separately.
(4) Hospital visit: Important, the optional range is small when applying for insurance, and attention is enough when seeing a doctor.
(5) Outpatient service and special outpatient service before and after hospitalization: important, if the local medical insurance does not reimburse the outpatient expenses, you can consider insuring a plan without social security.
(6) Conditions for subsequent insurance after claim settlement: Important, it is best not to affect the renewal of insurance after claim settlement.
(7) Deductible: Generally speaking, it is very important. If you can't get it, you don't want it. If you can only buy millions of medical care with deductibles, don't be too disappointed.
In short, a life without security is tantamount to streaking, so take out thousands of insurances and get the first one as soon as possible.