Illness is inevitable, protection starts with medical insurance

No one knows about medical insurance. At this stage, the national medical insurance coverage rate is 95%, but in fact many people do not understand medical insurance. Today we will talk about medical insurance.

What is medical insurance?

Medical insurance refers to social medical insurance, which is a branch of our national social security system and an important part of national technical security. What is social medical insurance? According to the type, it can be divided into urban and rural residents’ medical insurance. The medical insurance in rural areas is called New Rural Cooperative Medical Insurance. The medical insurance for people without jobs in urban areas (the unemployed people) is called urban residents’ medical insurance. The urban employee medical insurance refers to those who are working or retired in urban areas. , the corresponding medical insurance is called urban employee medical insurance. Urban employee medical insurance mainly has two accounts, one is an individual account and the other is a collective account. The medical insurance payment and deposit ratio is 2% of the individual payment and deposit base. The employer contributes 6%-10% of the deposit base. Individuals pay, part of the company pays, a small part goes into the personal account, and the rest goes into the overall account, which is uniformly allocated by the national social security department. Money from personal accounts can be withdrawn under certain conditions.

However, different cities have different handling methods. Generally, there are two situations. One is represented by Beijing and Tianjin. The money in the medical insurance card can be withdrawn at any time. Used to purchase needed medicines. Secondly, medical insurance cards represented by Shanghai, Chongqing, and Chengdu cannot withdraw cash directly, but they can be used to purchase medicines or other commodities by swiping the card at designated hospitals or pharmacies. However, the money in the overall account does not support cash withdrawals. Or cancel the account, and the refund can only be used for hospitalization reimbursement and medical insurance reimbursement.

So what are the advantages and disadvantages of medical insurance?

Medical insurance has the characteristics of national inclusiveness and mutual assistance. This benefit has the following characteristics.

First, it can be insured even if you are sick. Even if you are in a sick state, you can still be reimbursed after paying for medical insurance and medical insurance. Second, it is valid for a long time, after meeting a certain payment period. After retirement, you can enjoy reimbursement from medical insurance for life.

Thirdly, it is guaranteed to be renewed for life, that is, no matter whether you are sick or not, or what kind of disease you have, you will still be covered in the second year. It can guarantee that you will continue to buy it, but everyone knows that the protection of medical insurance is not comprehensive. It is only a basic medical protection. If you want more comprehensive services, more complete drugs and more advanced medical methods, medical insurance cannot provide it. . Especially after we retire, our income will be reduced and our health will be more or less problematic, so we need to supplement it with some commercial medical insurance after retirement.

After decades of hard work and one illness, before liberation, if you unfortunately get a serious illness, it is very likely that the reimbursement amount of medical insurance alone cannot solve the substantive problem. At this time, commercial medical insurance is one of the ways to protect our health after retirement.

What does commercial medical insurance include?

The types of commercial medical insurance include million-dollar medical insurance, hospitalization medical insurance, accidental injury medical insurance, surgical medical insurance and special disease insurance.

Purchase according to your personal needs, but here are some things to note when buying commercial insurance

1. Retired employees should choose consumer products when buying medical insurance, because If the elderly take out long-term medical insurance as they get older, not only will the premiums be inflated, but they will also run the risk of being denied coverage.

2. The length of the waiting period. Many health and medical insurance products have "waiting period" provisions. If the insured becomes ill during the waiting period, the insurance company will not pay compensation.

3. Guaranteed renewal terms. That is, after the expiration of the previous insurance period, if the policy holder applies for renewal, the insurance company must continue to underwrite the policy in accordance with the original terms, and the premium rate cannot be adjusted based on the individual's risk profile.

4. Comply with the truthful notification clause. When purchasing any insurance product, you should truthfully fill in your physical condition, past medical history, and other matters that need to be disclosed.

5. Guarantee liability and exclusions. Different protection responsibilities and definitions determine their different rates. Before purchasing health insurance, you must carefully read the terms of the insurance product, pay special attention to the exclusions, deductibles, and exemption period clauses, understand your rights and obligations, and then make a rational decision based on your own health and economic conditions. Buy.

In general, it is still necessary to buy commercial medical insurance. They have rich types and wide coverage. The country has been encouraging people to buy "commercial insurance" in recent years.

In terms of policy, the state strongly encourages residents to purchase commercial insurance. After all, with commercial insurance, it is not only good for us to have medical care for our elderly, but also for the state to reduce the pressure on pensions and medical insurance.

The essence of insurance is to protect risks. In order to provide consumers with more comprehensive protection, different types of insurance bring different protections. Finally, if you have any questions about insurance, you can search "Baibaojun" on Baidu where professional insurance consultants will answer all your questions about insurance.