commercial medical insurance refers to a contract behavior that the commercial insurance organization, according to the medical insurance contract, takes the person's body as the guarantee object, receives the insurance fee to the insured, establishes the insurance fund, and assumes the liability to pay the insurance liability for the medical accident due to the medical expenses incurred in the contract.
the insured will pay an insurance premium according to the contract, and can obtain a certain amount of medical expenses from the insurance company when he has a major disease. In recent years, there are more and more people to pay attention to and buy such insurance, but there are many kinds of commercial medical insurance. If it is not clear, there will be some disputes in the purchase and even in the claim.
commercial medical insurance does not have no routines and principles to follow. A few tips for buying commercial medical insurance can be mastered,Designer Shoes. It can be more clear to the rights and interests of the insurance and to provide a large degree of convenience in the future in case of risk.
according to the insider, the medical risk of the commercial medical insurance is mainly the outpatient medical risk and the inpatient medical risk, in which the hospitalization medical insurance is more important, so the insured person can give priority to it. The insurance is responsible for the medical expenses incurred by the insured when hospitalized for disease or accidental injury. It can both adopt the way of compensation and payment, and also use the mode of quota payment. The term is generally 1 years, and after the end of 1 years, it needs to be re insured.
has an insurance industry reminding, at present a lot of insurance varieties are not renewed on the market, especially in the year after the payment of the situation, the next year to renew the insurance, the insurance company may require additional premium, or even refuse to protect. Therefore, when purchasing hospitalization insurance, it is better to choose a renewal function.
secondly, in the form of insurance payment, it can be divided into cost type medical insurance and quota payment medical insurance. The former's insurance claims are mainly based on invoices,6pm designer clothes, the amount of compensation is generally lower than the actual cost,Cheap Hugo Boss, and the latter is paid according to the amount of insurance agreed before. Therefore, the amount of compensation for insurance companies may be higher than or below the actual expenditure, the insured can pay the higher part of the premium for the payment of nutrition, misunderstanding, car and boat, company and nursing, and the general procedures for the payment of the fixed payment type medical insurance are also simpler, and it is also relatively difficult to produce a claim dispute.
once again, the insured must understand that there is an insurance age limit for medical insurance when buying commercial medical insurance. For the commercial medical insurance, the insurance companies have different rules for the minimum insurance age. Generally, different kinds of insurance vary from 90 days after birth to 16 years old, while the highest limit of insurance age is roughly the same,bcbg maxazria mall, generally not more than 65 years old. The higher the age is, the more expensive the premium is, so it is recommended to plan early purchase insurance.
East fast reporter Huang Hongyan