Hi, everybody is good.
Attending section class in, we learned serious illness risk. Serious illness risk is sure as health board piece one of, loss of gold of the remedial cost after solving sicken, rehabilitation, income compensates a respect to having main effect. Today, we continue to learn the 2nd component of healthy insurance: Medical treatment is safe, let us continue to perfect safeguard system of the family with major.
[learn a purpose]
Understand the implication of medical treatment danger
Do those who know medical treatment risk to submit an expense account limits
Understand the main factor of danger of medical treatment of choose and buy
We had been mentioned in front, healthy danger includes two kinds of big products:
Shift to an earlier date to pay kind of major disease insurance and medical treatment charge to compensate kind of insurance.
This both distinction depends on, former once,be diagnose instantly be out of pocket, as to the utility of money, insurance company without giving thought to nobody attention. Latter is diagnose hind does not give money, yourself spends money to treat first, treat the cost of generation, insurance company undertakes those who set a project submit an expense account.
Cite a case, " I am not medical god " in the Lv Shouyi that suffers from leukaemia of chronic bead cell, if have serious illness risk and medical treatment a place difficult of access at the same time each 1 million, so after diagnose above all compensate Fu Chongji keeps the specified number 1 million, he can choose treatment of in order to, perhaps abandon treating annulus to swim the world, OK. Additional, every month use Glenn is defended and the reasonable cost that later period treats, can undertake submitting an expense account through equal medical treatment a place difficult of access, a year highest submit an expense account 1 million.
This weighs the distinction of disease risk and medical treatment danger namely, also be the effect that they constitute together at the same time. Both does not conflict, because respective and responsible is different charge board piece, only complementary, without jackknife. Serious illness risk resembles friend of a local tyrant, produce major disease? OK, give a Zhang number, I make money to you! Medical treatment danger resembles an accountant, produce medical treatment defray? OK, take bill, I submit an expense account!
On the basis that understands in this, we come today what fine dilatancy says medical treatment a place difficult of access is specific submit an expense account limits.
Main component submits an expense account for outpatient service charge and hospitalization expenses uses medical treatment a place difficult of access submit an expense account.
This very easy understanding, outpatient service charge submits an expense account even if seeing you the money that spends when outpatient service, give you compensation according to certain proportion. Charge of be in hospital also is such, but charge of here outpatient service submits an expense account with respect to disaccord everybody was told in detail, because its insurance cost is higher,be, sexual price is lower.
The range that submits an expense account because of average outpatient service is too wide, need to be being belonged to for insurance company the compensate, product that sustain losses in business, because this is sold directly to the individual rarely, belong to group insurance limits commonly, unite by the company buy for employee, regard a society as the complement that insurance submits an expense account, as the one part that is employee material benefits.
Charge of be in hospital submits an expense account kind of product is more, belong to net red insurance of these two years, greatly small insurance company gave a place difficult of access of a few 1 million medical treatment, there is no lack of really among them price of a few sexes is compared super good product.
Without giving thought to the medical treatment danger of which company, its submit an expense account limits is basic it is the following respects:
1, charge of special outpatient service. Those who point to is to be in a hospital to accept malignant tumor with outpatient service means target of therapeutics of immunity of cure of chemistry of inject of vein of radiative cure, malignant tumor, tumour, tumour to therapeutics, blood peritoneal and dialytic, dialytic wait, the medical treatment that outpatient service happens actually and pays every time is indispensible and reasonable special outpatient service treats cost. Of special outpatient service include range very wide, covered the common disease that needs long-term treatment basically to plant. For instance of cancer put those who change cure, uremia is dialytic etc, belong to special outpatient service submit an expense account limits.
2, expenses of outpatient service operation. Those who point to is the medical treatment fee that accepts treatment of outpatient service operation in the hospital. Common outpatient service surgery is operation, for instance ophthalmic those who blow trachoma, dentistry unplug the Qing Dynasty of tooth, emergency call achieves suture to wait, belong to category of outpatient service operation. The characteristic of outpatient service operation is time weak point, operation simple, finish to go need not be in hospital, but often the price does not poor, but also submit an expense account in medical treatment danger in limits.
3, hospitalization expenses is used. This charge often is the largest one part is spent in the hospital. Those who point to is the medical treatment that the sun from be in hospital rises be in hospital to happen actually and pays every time needs and charge of reasonable be in hospital, the majority money that you spend in the hospital, can submit an expense account.
4, charge of emergency call of door of around of be in hospital. Insurant accepts hospitalization those who point to in the hospital, be in because of same reason in this hospital to insurant before be in hospital inside 7 days (contain be in hospital that day) and after leaving hospital inside 7 days (contain leave hospital that day) the medical treatment that place happens actually and pays is indispensible and reasonable door (urgent) charge of cure of make a diagnosis and give treatment, belong to submit an expense account limits, the major cost that the disease place that is equivalent to will causing be in hospital produces is included inside entirely.
Explain at this o'clock to everybody, for instance pouch fracture be in hospital, so one day that when from him be in hospital begins pushs 7 days forth, if he is in because of this fracture,outpatient service accepted treatment, this cure cost can submit an expense account according to scale, same, good in pouch fracture that day of in the future that leave hospital pushs 7 days, between this pouch comes again because of this fracture outpatient service was treated, remedial cost can submit an expense account according to scale likewise. But should make clear a bit, fracture must be same second fracture, cannot be in hospital when throw fracture, come again outpatient service when bump into fracture.
5, cancer treats cost. Those who point to is insurant because of the cost that contract cancer and produces, belong to medical treatment danger submit an expense account limits. This charge and in front 4 kinds of mentioned cost do not conflict, can repeat use. The charge sheet that involves cancer is listed come, what basically consider is cancer shows tall hair trend gradually. Through this kind sheet lists formal operation, can make of insurant submit an expense account the forehead spends farther promotion. Make an example, of medical treatment danger keeping the specified number basically is 1 million, so insurant is inside time of a year, can submit an expense account cancer is relevant charge 1 million, still can submit an expense account other disease is planted relevant charge 1 million, be equivalent to obtaining pair of times safeguard.
6, cancer be in hospital is subsidiary. Because contract cancer,those who point to is, hospital classics is diagnosed must of hospitalization, insurant can press number of day of actual be in hospital, obtain everyday 50 yuan - 200 yuan of be in hospital that differ are subsidiary. This allowance and submit an expense account have nothing to do, be similar to serious illness to give paid quality ahead of schedule, just be one-time after be in hospital ends to pay, do not be restricted to use channel. Specific amount by cast the contract agreement when protecting to be accurate.
Above these 6 kinds of charge, be medical treatment danger submit an expense account limits. So everybody can see, what place of medical treatment danger ensures is ill range without giving thought to, the deepness of be out of pocket, it is very outstanding, want your be in hospital basically only, crossed franchise to spend, medical treatment danger can give you compensate, besides still has danger of common medical treatment and a place difficult of access of 1 million medical treatment, of compensate of danger of common medical treatment is small specified amount is spent, of compensate of danger of 1 million medical treatment is high specified number is spent, two as it happens are complementary.
Same, to danger of most medical treatment, have a few collective tie requirements:
1, the aptitude of the hospital. Danger of most medical treatment submits an expense account only chinese mainland churchyard 2 class above (prefectural class above) the cost that common ward place produces public hospital. When selecting a hospital so, also want to look to whether be inside the hospital that submit an expense account. Unless the contract has additional provision additionally extraordinary perhaps agreement, otherwise average medical treatment risk does not include private hospital charge, do not contain need especially, ward of ministry of international medical treatment, foreign guest, cadre ward, VIP ward.
2, the limits of charge. Medical treatment danger anounces sold range, it is social security commonly after submitting an expense account the rest part. At present danger of most medical treatment does not restrict the charge that submits an expense account to whether belong to social security to use medical catalog range, that is to say even if social security does not sign up for part, medical treatment danger still can submit an expense account. Accordingly, casting the metropolis when protecting to have two option: Have social security and without social security. Have social security, because meet,submit an expense account first by the society one share charge, because this expends rate petty gain. Those who do not have social security, be equivalent to total cost can be submitted an expense account by insurance company, cost rate is accordingly more expensive.
3, franchise and submit an expense account scale. Danger of most medical treatment can be installed annual 10 thousand yuan franchise. What happen actually one year namely is of all kinds can submit an expense account in charge, the part of 10 thousand yuan of above just can submit an expense account. As to the part that can submit an expense account whether 100% submit an expense account, depend on clausal agreement. Danger of major medical treatment all is 100% submit an expense account, unless be to casting the choice when protecting to have social security, but did not pass social security settle accounts when effective treatment, it is commonly below this kind of circumstance 60% submit an expense account.
The content in front, those who solve is " what to protect " problem, next we discuss medical treatment risk " protect how long " problem.
Medical treatment danger belongs to short-term danger product, safeguard deadline has 1 year only, undertake submitting an expense account with be an unit 1 year, add of the need after expiring is protected. Was born accordingly medical treatment danger a very important measuring element: Add defends a provision. It is to be below the circumstance of compensate of physiology of some year hair namely, danger of this medical treatment is returned whether continue to provide long safeguard for us.
Cite a case, pouch spent 600 yuan to buy a place difficult of access of a medical treatment this year, as a result you also saw, bite of bang Lang created one caboodle job, insurance company gives him wildly be out of pocket, to last calculate, wow, this person this year compensate he 20 much. Insurance company most those who be afraid of is this kind of client, and this individual is like pouch to also have bit of problem, greatly small ill whats have, so the 2nd year, insurance company considered accrual risk integratedly, the decision says, I do not serve you this enrols money cat! So pouch cannot continue the 2nd year to buy a place difficult of access of this medical treatment. Of course, audacious insurance company also can continue to let pouch buy medical treatment insurance, this sees particular company.
Laozhang was cast 2018 guaranteed a place difficult of access of a medical treatment, insurance cost 600, keep the specified number 1 million. Spent when year be in hospital 200 thousand, after social security signs up for, still have at one's own expenses 110 thousand. Give by the contract, deduct franchise 10 thousand hind, medical treatment danger submitted an expense account 100 thousand. So the issue came, return next year whether continue medical treatment danger? The Zhang in insurance company this in, 2018 Laozhang this client, controlled 500 insurance cost, defray manage reparations 100 thousand, had a deficit 90 thousand much, and the healthy condition that treats Laozhang is like not old ideal, the time that estimates be in hospital later is little not. Because this was protected with respect to refus likely, reject to offer medical treatment danger to serve for Laozhang again. Of course, this is a kind of possibility, also may insurance company continues to provide safeguard. This depends on the add of each insurance company defends a provision.
At present the add of most insurance company protects a clause to compare faintness, this very good also understanding, medical treatment danger is the product of very difficult gain to insurance company, the case of the pouch that lifts in front is particularly typical, the fare of medical treatment danger is very cheap, one year charge is less than person of 30 years old 500, once be in hospital needs the likelihood of manage compensate,be tens of thousands of even hundred thousands of, it is difficult to do not sustain losses in business accordingly, and should have had record of be in hospital only, again the probability of be in hospital is higher, because this does not assure add,be being protected also is reason in.
Of course, also specific company has similar agreement in the clause: Insurance company casts those who guarantee medical treatment a place difficult of access to insurant keep demand, do only the first time cast protect and the first time add protects a nucleus twice, undertake healthy circumstance examine and verify the first year with the 2nd year namely. Annual add is protected later no longer the nucleus is protected, no matter what healthy circumstance produces,change namely, want the rate that press cost to make money only, can all the time add is protected.
For instance pouch Laozhang was cast 2018 protect, in those days health does not have a thing, successful add was protected smoothly through the nucleus 2019, even if he be in hospital was spent 2019 1 million, insurance company still can be protected to his add all the time. This comparatives to covert then make sure add is protected, perfectly add cent.
Additional, farewell arrives piece if problem, the target that the Lv Shouyi inside medical god needs to medicine, also danger of full medical treatment can not submit an expense account. Make clear in clauses of some medical treatment danger for instance writing case Lenin can be used, that is to say, if Lv Shouyi is chosen was opposite medical treatment danger, then he need not look for medical god to buy drug, open normal Glenn to defend in the hospital directly, can submit an expense account likewise.
Still have add cent, the medical treatment risk with current and few better number is additional increased proton to weigh what ion treats cost to submit an expense account (each submit an expense account scale is different) , proton heavy ion is one of methods with remedial very at present effective cancer, but it is not protected in cure submit an expense account inside limits, and very expensive, most commerce is sure to also do not submit an expense account. So if medical treatment danger can submit an expense account cost of this kind of cure, it is a window.
Good, above is entire today content. Arrange one dirty trade, look special in have medical treatment a place difficult of access, submit an expense account limits how, franchise how many. If also did not have nothing to do with, look have record of be in hospital, take ticket setting out to look, what can submit an expense account through danger of be in hospital, treat healthy condition again, if possible word, cast rapidly protect.
