Compensate of danger of 200 medical treatment 1 million, risk of 500 thousand serious illness howeve

[think before the class] 1, why cannot medical treatment danger replace serious illness risk? 2, did medical treatment danger act as in insurance configuration what part? 3, what is the standard of good medical treatment risk? [this period introduction] medical treatment danger and the safeguard limits of the danger that weigh disease are looked at about the same, but medical treatment danger needs hundreds of to be able to be done only calm, why does that spend heavy gold to buy serious illness risk even? Actually serious illness risk and medical treatment danger are each other is additional relation, got heavy disease sure need cure, that treats this charge safeguard to rely on medical treatment danger. How should we configure medical treatment danger then, what factor does need consider when choosing medical treatment risk? The 5th class, week relying on chart will analyse these two distinction clearly from two respects, additional, zhou Hai relying on chart lists the level that gives a place difficult of access of outstanding medical treatment will clearly, and we need to notice in deploying procedure of medical treatment danger " hole " . [text] hello, it is here " 8 classes, help your family that finish guarantee a program " insurance course. I am author of institute of money ear fortune relies on chart week. Hear recently a lot of listen to friend to say with me, medical treatment danger and the safeguard limits of the danger that weigh disease are looked at about the same, bought serious illness risk to still need to buy medical treatment a place difficult of access? Medical treatment danger needs hundreds of to be able to be done only calm, why does that spend heavy gold to buy serious illness risk even? In the course before, we say serious illness risk is one of insurance types that should deploy most all the time, the action of serious illness risk is to not have replaceable. So, is the action of medical treatment danger in again which? Today, what do I tell the distinction of serious illness risk and medical treatment danger to have for everybody? Did medical treatment danger act as in insurance configuration what part? How should choose? Have the hole that should we note after all among them? What does the distinction of serious illness risk and medical treatment danger have? It is very easy to believe a lot of people medical treatment danger and serious illness risk are confused, actually, these two kinds of safe attribute are completely different. In the course before, we had said, serious illness risk is a kind of norm gives pay model safe. Will simply tell, once policy-holder satisfied the manage compensate requirement of insurance contract,be, no matter whether policy-holder chooses treatment, can get manage compensate gold immediately. But be told relatively at medical treatment danger, the disease range that place of serious illness risk protects is lesser, ensure the serious illness that lists in contract provision and small difficulty only. And medical treatment risk is different, its compensate credit formula and social security are same, belong to submit an expense account model. Simple for, during be being ensured namely, medical treatment cost spent how many money, insurance company can give submit an expense account. The advantage of medical treatment danger is insurance cost extremely low, the insurance cost that needs every year to spend hundreds of yuan only can get two of 3 million keep the specified number. And the safeguard range of medical treatment danger is very wide, can say, wanted you to accorded with what health is informed and succeed to buy medical treatment a place difficult of access only, once be or get out of danger, no matter be the disease of what type, medical treatment danger can undertake submitting an expense account, and submit an expense account proportion is very high also. But meanwhile, medical treatment danger also is existing many malpractice. For instance, all medical treatment cost need to shift to an earlier date by policy-holder first pay for sb and expect to be repaid later, taking a receipt to undertake submitting an expense account by policy-holder again next. Next, medical treatment danger still has franchise, protect to cure the part that has submitted an expense account and " franchise " the following amount, insurance company does not grant to submit an expense account. Still having a bit is, at present the medical treatment danger on the market is mostly a year period consumption danger is planted, not only insurance cost can increase as the growth of the age relatively, additional, also do not eliminate a product to there is the possibility that stops carry out in future. Weigh disease risk and medical treatment risk, should buy which? Will integratedly look, medical treatment danger and each other of serious illness risk are complement. Someone says, I had had serious illness a place difficult of access, later once go to the bad, can get compensate pays immediately, I can pay medical treatment fee with it. But, everybody thinks, be used quite? Weigh what disease risk has hundred thousands of only commonly to keep the specified number, once was gotten,can weigh disease, treating a likelihood is a few years, compensate of that serious illness risk pays hundred thousands of be used quite? Besides expenditure of nutrition of medical treatment cost, hospitalization expenses, patient, still domesticity expenditure and room borrow a car etc... this moment, medical treatment danger can be very good complement. On the other hand, medical treatment danger is belonged to submit an expense account pay model, we are active of pay for sb and expect to be repaid later, cost of initial a good deal of cure should come from which, just of serious illness risk settled this one portion. Although medical treatment danger and serious illness risk belong to healthy danger, but their attribute is completely different, they are solving different problem respectively. So, these two danger are planted is each other cordial, cannot make respective substitute. Below the condition that allows in economic condition, suggest everybody configures these two insurance at the same time. Everybody can make full use of the assorted advantage that weighs disease to increase medical treatment risk, transfer as far as possible much risk. What is the standard of good medical treatment risk? 1. Low franchise a moment ago had been mentioned, a of medical treatment danger very big chamfer nods the franchise doorsill that is it. If franchise threshold is very high, the part that policy-holder can submit an expense account actually is not very much. So, below this kind of circumstance, when master is picking medical treatment risk, must choose the medical treatment risk of 0 franchise or low franchise. 2. Await period shorter had mentioned in the course before jumping over us to be in, will tell to policy-holder, it is the shelter that wants to gain medical treatment a place difficult of access as early as possible of course, nature is to await period shorter better. So, when everybody is choosing medical treatment risk, choose to await as far as possible period shorter medical treatment danger. 3. Submit an expense account sort has been jumped over more more will tell commonly, the mainest operation was included in medical treatment danger cost, bed cost, prandial cost, nurse cost is waited a moment. Besides, many medical treatment danger still included more comprehensive safeguard range, if bed of the fare of relieve a sick or injured person, cost that add a bed, ICU is expended,wait for special charge. So, when choosing medical treatment risk, below coequal price, nature is insurable danger sort has been jumped over more more. 4. Whether to have restriction to social security there are products of many medical treatment danger on market at present do not have social security distinction to treat to having. If policy-holder does not have social security, its insurance cost is about to compare the tower above that has social security one times more more than. So, everybody is when danger of configuration medical treatment, must make a choice according to his actual condition, without the friend of social security, should choose to submit an expense account as far as possible limits does not restrict social security catalog, and the medical treatment danger with cheaper insurance cost. After a few when configure medical treatment danger little hint said to choose the level of medical treatment danger, week relying on chart returns need to give everybody the little hint of danger of medical treatment of a few configuration. Often somebody asks week relying on chart, oneself did not work formally, paid town resident only so primary medical treatment is safe, is this social security? Of course, the social security that says in insurance configuration is insurance of social medical treatment, include town worker among them the primary medical treatment such as medical treatment of collaboration of insurance of primary medical treatment, new-style country ensures dweller of insurance of primary medical treatment, town project. Will tell to having the person of social security, before danger of use medical treatment undertakes submitting an expense account, must remember undertaking with social security card cure is protected first submit an expense account, undertake manage compensate in danger of medical treatment of expenses of medical treatment of will odd part next. Why to want so do? Because at present a place difficult of access of a lot of medical treatment on market has such regulation: Want to submit an expense account according to social security above all, if not was in what social security submits an expense account, pay according to 60% compensate, other condition pays according to 100% compensate. Still have a kind of case, is everybody sees danger of a lot of medical treatment says him " make sure add is protected " ? Actually, at present on market on real significance " make sure add is protected " the product is very little. Basis " healthy insurance runs way " , assuring those who point to to add is protected is, during be sure afore after at the expiration of one's term of office, policy-holder puts forward add to keep application, insurance company must be led according to conventional cost decide with the contract that original provision continues to contract. This that is to say, " make sure add is protected " medical treatment danger, be won't because once managed,compensate passes, or it is body state was changed and refus is protected. This clause has a risk to insurance company. If policy-holder manages due to illness,body circumstance becomes poorer, insurance company is bad to the control of prospective cost risk to control. Unlike of medical treatment danger weighs disease risk in that way, have detailed clausal demand already, also once sexual compensate pays the copy that keeps the specified number to be restricted. Medical treatment danger is to want be in hospital to produce charge to have to submit an expense account only. And as medical treatment method upgrade, and the unpredictability of policy-holder illness, of medical treatment charge rise cannot beforehand appraise. So, the delicacy on society has now true " make sure add is protected " product of medical treatment danger, it is contract of a year of one autograph commonly, guaranteeing time is a year. Of course, also have true " make sure add is protected " medical treatment danger, but just also make sure add is protected 3 years or 5 years, and it is insurance cost should compare danger of other medical treatment a lot of more expensive. Everybody wants to notice, insurance company won't do the business of lose money in business. Accordingly, bought old medical treatment a place difficult of access continuously to avoid everybody, appear suddenly risk stopping carry out or cannot the case that add defends, in danger of configuration medical treatment while, must have configured the serious illness risk that suits him forehead to spend. Said so much, the method of the product of medical treatment danger that believes everybody had learned to had chosen. After the class, everybody is OK also according to this train of thought, the sexual price that picks to suit oneself compares highest medical treatment danger. If have any problems, the welcome leaves a message discuss. Finally, still want to remind everybody again, when configuring medical treatment danger, everybody must identify the main provision on contract of true insurance seeing Qing Dynasty, do not want blind configuration. It is here " 8 classes, help your family that finish guarantee a program " the 5th class, basically explained the note of medical treatment danger and the method that select product of medical treatment danger. Among them, the index that can consult includes to await period the discretion of accident, franchise, submit an expense account phyletic more or less to wait. Issue section class, we will teach everybody the little skill when contract of insurance of a few autographs. If sign a contract when, did not choose good beneficiary beneficiary, does everybody feel to may appear what is sequential? Welcome everybody to leave a message discuss, give out your viewpoint. We are issueing section class to give out right answer. The welcome shares this course transmit your friends, let more people learn sound him program to be ensured with domestic insurance, make life more easy. This period course arrives here, I am Zhou Zhouyong relying on chart, below period curricular adieu.