Compulsory epidemic prevention and control can't buy any insurance at work.

First of all, the country has made it clear that all hospitalization expenses during the epidemic period do not need to be paid out of patients' own pockets, so you have not seen the problem of paying for treatment during the epidemic period.

However, some people misinterpret the wrong policy knowledge as only 60% of the national finance, and individuals have to bear 40%. This is a big misunderstanding. The policy means that medical insurance, critical illness insurance and medical assistance are reimbursed first, and the personal part is borne by the finance. If the patient is seeking medical treatment in a different place, the local finance of the patient or suspected patient is responsible, and the domestic finance is responsible for subsidizing 60%. The personal part includes confirmed and suspected patients. The part paid by individuals at their own expense is only a question of how to divide local finance and state finance, and there is no question of personal burden at all.

For example, when I was in Guangzhou, I spent 50,000 yuan because of infection, 20,000 yuan for medical insurance, and 30,000 yuan at my own expense. Then the central government will help Guangzhou according to its financial capacity. If Guangzhou Finance does not need financial supplement, Guangzhou Finance will directly pay this 30,000 yuan. If policy subsidies from the central government are needed, the maximum subsidy cost of the central government is 30,000 * 60% =10.8 million yuan, and Guangzhou Finance is responsible for the remaining10.2 million yuan. If colleagues still have questions about this, they can call to verify and stop making jokes.

And what is the value that commercial insurance can play?

1. Critical illness insurance: It refers to those who have caused some diseases agreed in the critical illness insurance contract after infection, and have reached the compensation level agreed in the terms, or have terminal illness, death, total disability, etc. You can make claims in this respect, which is a supplement to the loss of family income by commercial insurance. But the condition is to reach the degree stipulated in the contract terms. The state does not assume the responsibility of the family after death. Therefore, the commercial supplement covers the part that the national finance cannot cover.

2. Medical insurance: the national finance is not always affordable. After all, there are a lot of expenses such as pension, usual medical care, education and infrastructure. If there are repeated epidemics in the future, or other epidemics occur again, cancel or adjust the relevant bottom-up policies, or reduce the bottom-up ratio, medical insurance will play its role in hospitalization reimbursement. This requires psychological preparation.

3. Others who have died and are totally disabled, such as term life insurance, whole life insurance, annuity insurance, old-age security and so on. Including short-term accident insurance products with COVID-19 expansion clauses introduced by major insurance companies during the epidemic. Mainly compensation for the value of life.

4. During the epidemic, major insurance companies launched short-term accident insurance products with COVID-19 expansion clauses, and some companies also set up COVID-19 isolation and hospitalization allowances. It is equivalent to supplementing the nutritional expenses through the COVID-19 allowance clause of commercial insurance every day, except at home. However, the guarantee period is basically until April 30 this year.

If it is only for the sake of the epidemic, it is recommended to buy an accident insurance with extended terms. But if you need to consider long-term protection. Need to do specific health and financial analysis.