"Being poor due to illness, returning to poverty due to illness" health insurance makes it no longer difficult to see a doctor

Nowadays, health issues have become an important topic on the dinner table of every family. Around us, we often hear parents, friends, and classmates say that someone has recently been diagnosed with uterine cancer, gastric cancer, lung cancer, breast cancer, nasopharyngeal cancer, etc. Most patients simply give up treatment because their families do not have the funds for treatment. Waiting to die slowly at home. Every time they hear this news, everyone sighs with regret. According to relevant data, the probability of suffering from major diseases in a person's lifetime is 72%. Nowadays, many major diseases are beginning to affect younger people, and this probability will slowly increase. When we are unfortunately infected with a disease, the treatment for a minor illness may range from a few hundred to a few thousand or tens of thousands. However, plus nutritional expenses and lost work expenses, plus one minus one, it is also a huge burden for ordinary families; if It is a major disease with treatment costs ranging from tens of thousands to hundreds of thousands or hundreds of thousands, which even well-off families cannot afford. My parents are old, how can I buy insurance? I just compiled relevant content, I hope it will be helpful to you: When buying insurance for your parents and the elderly, you must avoid these pitfalls!

In order to "have medical treatment and support for patients", a health insurance is indispensable. Health insurance is the magic needle for us to overcome the disease. It not only allows us to receive treatment for the disease, but also prevents family life from losing loved ones or being separated due to the disease. At present, health insurance can be divided into medical insurance, illness insurance, income protection insurance and long-term care insurance. So, what are the functions of the many types of health insurance?

Medical insurance of health insurance

Medical insurance mainly covers various medical expenses incurred by the insured for treatment, including surgical expenses, hospitalization, nursing care, hospital equipment, etc. Different medical expenses are paid in different ways, including proportional payment, payment according to the payment limit, and payment according to the deductible. Nowadays, whether it is a working day or a holiday, day or night, hospitals are always overcrowded, especially the elderly and children, who can be said to be "frequent visitors" to the hospital. Even if there are no serious illnesses, but minor illnesses persist, the medical expenses will add up to a large sum. Therefore, it is filial piety and responsibility to insure a medical insurance for your family.

Disease insurance of health insurance

Sickness insurance, as the name suggests, is insurance that provides disease protection. As environmental pollution becomes more and more serious, the vegetables, rice, sorghum, noodles and water that humans eat are affected to varying degrees. These are necessities and dependencies for human survival, causing humans to be infected with various diseases. The probability gradually increases. Among them, suffering from a major disease is "frightening" because his medical expenses are generally between 100,000 and 60, which is an astronomical figure for some ordinary working-class people. They may not be able to save so much in their lifetime. money. Therefore, in order to avoid "family destruction and death" due to illness, it is better to purchase a disease insurance.

Income protection insurance for health insurance

When we fall ill, in addition to having to bear the medical expenses, we also need to bear the loss of income due to the delay in work due to treatment. Maybe a minor illness only requires a few days or half a month of leave, and the loss is hundreds or thousands of dollars, but if you encounter a major illness that requires long-term treatment, it is not worth thousands of dollars. A little adds up, and in order to minimize losses caused by illness, consumers can purchase an income protection insurance.

Health insurance long-term care insurance

When many people get old, they are unable to take care of themselves due to diseases accumulated in their youth, or due to infection with certain diseases. The cost of a caregiver ranges from four to five thousand, to seven to eight thousand, more than ten thousand, and so on. The salary of most working-class people is only seven to eight thousand, and it may be more than ten thousand or twenty thousand. In addition to supporting the elderly, a family also has to raise children. Faced with such a burden, it is still difficult for them to bear it. Long-term care insurance can solve this problem by providing compensation for the cost of care services to the insured. What are the good critical illness insurance policies for children? Which ones are cost-effective? Which one is the most worth buying? Let’s take a look at the top 10 best-selling critical illness insurance policies for children from the top 10 insurance companies

Health is the foundation of life. Although we may seem very healthy now, no one can predict when disease will come to our door. Therefore, when the disease has not yet arrived, a health insurance is essential.