Buy big sickness, invest in health

The total annual health insurance cost of an individual should be around 10% of the year. ◆ Social security “protects not to pack”, “What is most afraid of illness, most afraid of no medical insurance.” Although most of the current employees have participated in social medical insurance. However, experts suggest that in terms of medical status, the combination of social security and commercial health insurance will provide a more comprehensive guarantee for people's health. Give a real example. A few months ago, Miss Liu's leg bone fracture, need to be implanted with a full set of steel plate price of 8000, which is a social security project. In addition, she was hospitalized for 30 days, with a bed fee of 50 per day, a food cost of 20, a nursing fee of 30, plus a surgery fee of 2000 and other medical expenses, totaling 25,000. In the end, social security can only reimburse her for 10,440, and more than half of the cost will be paid. At present, most people are covered by urban workers' medical insurance, urban residents' medical insurance or new rural cooperative insurance. Ordinary employee medical insurance through the personal medical insurance account and social security co-ordination part, generally can reimbursed about 70% of medical expenses, while the resident medical insurance and the new rural cooperatives have a lower reimbursement rate. In addition, social security medical expenses reimbursement generally has a limit, such as the annual maximum reimbursement of 50,000-100,000 (different regulations vary by region); the scope of reimbursement is also limited, certain drugs (new drugs, imported drugs, expensive drugs, etc.) and some medical treatment items Medical services are not covered by reimbursement. Therefore, even if we have social security, we need to supplement commercial health insurance to compensate for the risks brought by the former. Under normal circumstances, the total annual health insurance cost of an individual should be controlled at around 10% of the year, and can be adjusted within the range of 7%-15% according to family circumstances. ◆ Major illness insurance should be given priority. Once a major illness occurs, high medical expenses are likely to cost the family's savings. Therefore, if the budget allows, critical illness insurance should be given priority. Critical illness insurance is also commonly known as “big illness insurance”. The biggest difference between it and social security and other commercial insurance is pre-reimbursement: as long as the insured is diagnosed with the disease defined by the insurance contract, it can be compensated according to the agreed amount. . On the one hand, treatment and family life can be arranged by paying in advance; on the other hand, you can use this money to choose better medical equipment, services, and medicines to achieve better therapeutic results. In the past, because the disease identification was based on the definition of the insurance company itself, many insured people questioned the critical illness insurance “to meet the compensation standard in order to achieve the stage of no cure”. To this end, the new regulations on critical illness insurance were introduced last year, which has reduced the problem of “guarantee and death”. The new regulations define the most common 25 major diseases and define medical standards. For example, if the insured is determined by a doctor to be a coronary artery disease, the insurance company will pay for the bypass surgery or the traditional simple surgery. Moreover, the new regulations require that all insurance companies' critical illness insurance products must protect six major diseases with high probability of occurrence and high impact including malignant tumors and acute myocardial infarction. At present, major illness insurances introduced by insurance companies mainly include savings-type long-term insurance and consumer-type short-term insurance. Savings type long-term insurance is similar to “life insurance + heavy illness responsibility”. It pays fixed premiums every year. The guarantee period can last for 20-30 years or for life. If there is no insurance, the premiums will be refunded. The insurance period for consumer short-term insurance is usually 1 year or 5 years. It is necessary to extend the insurance period through continuous renewal, and the premium paid cannot be returned. Generally speaking, savings-type long-term products can be purchased separately as main insurance, and some companies will also add functions such as dividends; while consumer products can be purchased separately after the main insurance such as life insurance. According to estimates by insurance experts, the number of major disease insurances currently used is 100,000 to 200,000 for social security and 200,000 to 300,000 for non-social security. For special populations, such as children, children's exclusive major illness insurance and medical supplementary insurance should be considered as much as possible, and women can also choose female sickness insurance. ◆ Choose three-step risk-health insurance. For ordinary people, choose three-step risk-critical insurance: analyze the situation and choose the appropriate type of critical illness insurance, compare the content of each product, and choose the insurance company brand. ◇ In the first step, the savings-type long-term and consumer-type short-term two types of critical illness insurance products each have their own advantages and need to be determined according to their own circumstances. In terms of premiums, consumer short-term insurance is relatively cheap, while savings-type long-term products are more expensive because of the return of premiums. For example, 30 men are insured for 100,000 critical illness insurance. The consumption type only needs to pay about 450 yuan per year, and the total amount of protection for 2 years is 2250. The savings type (20 years payment) requires about 3,500 yuan per year, and the first five years of total premiums are 17,500. However, the rate of critical illness insurance is increasing as the age increases. Consumer short-term insurance is renewed every 1 or 5 years. In the above example, 30 men are insured for 100,000 critical illness insurance for 440, 35 and then for 800 years, and 45 for 3000. The same 100,000 guarantees, insured savings type long-term insurance 20 years of annual premiums of 3,500, a total of 70,000 guaranteed life; and consumer short-term insurance, renewed every 5 years, guaranteed to pay the average premium of more than 130,000 at 65 o'clock . In addition, each renewal of a short-term product requires underwriting. If the physical condition changes or there is a risk during the previous insurance period, the insurance company may refuse to renew the insurance. Therefore, the exclusive recommendation, if you have the ability, should try to choose the savings type long-term insurance. However, if the age is small or the economic conditions are temporarily unsatisfactory, then the consumer-type short-term product or the consumer-type combination-type savings product can be insured first, and when the advantage of the consumer product premium of about 35 is lowered and the health risk is also increased, In the increase in the proportion of insurance products insured, and gradually replace consumer products. For those who have already purchased products such as life insurance, they can attach heavy-duty insurance products to their life insurance products. Generally, such rates will be lower. ◇ In the second step, the current coverage of critical illness insurance products ranges from 7 to 40, and the comparison of each product is the next priority. First of all, according to the new regulations, all kinds of critical illness insurance products must be guaranteed.Malignant neoplasms, acute mood infarction, cerebral apoplexy sequelae, coronary artery bypass grafting (or coronary artery bypass grafting), major organ transplantation or hematopoietic stem cell transplantation, end-stage renal disease (or chronic renal failure uremia) 6 diseases. When choosing, first determine whether you have these 6 diseases, and then compare other disease protection. For example, if a family has a genetic disease or if there is some high incidence in the living area, then the product containing the disease should be selected. Of course, we can't over-purchase products that guarantee more diseases. This is because the more the guaranteed diseases, the higher the premiums. Second, the incidence of some diseases is very low. It is not cost-effective to insure for this. ◇ In the third step, buying insurance is not a hammer sale, and future service claims are the key. Therefore, choosing a reputable and well-respected company is also a prerequisite for more protection. It's a good idea to listen to the opinions of people around you, especially those who have lost their managers. ◆Investing in other medical insurance, the protection is more comprehensive. In addition to the critical illness insurance, commercial health insurance also includes hospitalization expense reimbursement insurance and hospitalization subsidy insurance. Both of them use the hospitalization medical expenses as the payment condition. The former is reimbursed according to the insurance contract and is complementary to social insurance and other commercial insurance. The latter is to pay the insurance subsidy according to the contractual standard, and has nothing to do with other insurance. For example, the insured person spent 1,000 hospitalizations, the medical insurance burden was 600, and the reimbursement insurance was reimbursed in the remaining 400 in proportion to the contract. The allowance has nothing to do with the actual cost. If you enroll in the 100/day subsidy insurance, you can actually pay 200 for 200 days. These two types of insurance can be reinstated for a long period of time or annually, but one-year insurance often increases premiums based on age. For the inpatient medical insurance coverage, social security usually requires about 10,000, and no social security can increase to 20,000-100,000.