A lot of friends because medical treatment danger is cheap, want hundreds of money one year only, but have however millions of keep the specified number, shutting an eye to be bought.

In the medical treatment risk with little little imagine, hiding a lot of everybody to be misunderstood to it, as a result manages at arriving compensate when, produced a lot of issue, millions of keep the specified number, hit water to float!

Today, chart blue gentleman gathers up to everybody, medical treatment danger is the commonnest " hole " !

Since " danger of 1 million medical treatment " , commonly million removes keep the specified number so basically, some went even 2 million, of 3 million keep the specified number basically.

But, do we need so much really?

Did not forget, medical treatment danger is to submit an expense account make, how much to spend namely, submit an expense account how many. The charge that submit an expense account, be won't over our medical treatment always pays expenses.

Show according to data, meet with contracted heavy disease now, it is the cost of hundred thousands of commonly, even if suffer from went up large area spends burn, leukaemia again these severe cases, just spend million left and right sides.

So, buy medical treatment a place difficult of access, not be 3 million those who keep the specified number is certain than of 1 million good, use quite went, again tall be stunt.

Everybody does not need too persistent the discretion at keeping the specified number, should use quite only go, should more attention ensures content.

0 it is better to avoid compensate?

Retain like cure case like paying a line, medical treatment danger also has franchise, it is 10 thousand yuan of franchise commonly.

Our total medical treatment cost, let cure protect first submit an expense account, again subtractive franchise, the medical treatment risk that leave just can sign up for completely.

A lot of friends feel: It is to do not have franchise of course, direct of complete compensate best! In that way oneself need not be assumed 10 thousand pieces repeatedly!

Be really such? Wrong!

Insurance is to be on guard those produce probability low, but once happen, meet the risk that to us finance affairs causes major effect. If medical treatment danger did not have franchise this doorsill, what compensate, the burden affirmation of that insurance company is big.

How does that do? In the long run, so insurance company can raise the insurance cost of the product directly.

Bit more serious, because compensate pays,lead compensate of too tall, manage overmuch, play no less than going to, stop carry out the 2nd year directly.

So, the 0 medical treatment risk that avoid compensate, insurance cost will be actually more expensive, the product is flabbier also calm.

Actually, 10 thousand franchise is not big question to a lot of families. These won't create great burden, ourselves can susceptive risk, proposal " the risk stays oneself " , oneself are assumed rise. Come so, insurance company also can benign manage go down, provide longer, firmer safeguard for us.

Make sure add is protected?

Now the medical treatment danger on market, it is mostly a year period short danger, hand in a year namely, protect a year, want add the 2nd year to protect, perhaps cast afresh protect.

But we know, medical treatment danger is 4 big risk in planting, a the strictest to healthy demand kind, a lot of people worried about him to if fall ill,produce manage compensate this year, won't be the 2nd annual meeting protected by insurance company refus / increase cost?

Accordingly, the add of medical treatment danger keeps a requirement, very important.

Product of danger of a lot of medical treatment, can write on propagandist page: Highest but add is protected.

But actually, but add is protected to 100 years old ≠ makes sure add is protected to 100 years old.

There is danger of which medical treatment on market at present can make sure lifelong add is protected, because of the growth as our age, the probability that produces medical treatment cost and amount can rise greatly, without where insurance company can maintain the home to rise " make sure lifelong add is protected " this is affirmatory.

Although " highest but add is protected to 100 years old " , but if later product cost rate rose, be to stop carry out even, can affect our add protect.

Add guarantees the medical treatment a place difficult of access with best clause now, it is to be able to assure next 5/6 inside year, [make sure add is protected] --

Make sure in these 56 years add is protected period inside, how does no matter we are healthy,the state change, no matter whether we produce manage compensate, no matter whether the product stops,make work even, the add that does not affect us is protected, and insurance cost won't rise.

Value add to protect conditional friend, can the product of medical treatment danger that first selection assures this kind to add is protected. There is a few only on market at present a few, restful E is for instance unripe protect (make sure add is protected edition) (6 years) , good medical service guarantees a place difficult of access of long-term medical treatment (6 years) , sth capable of comforting sb (happy enjoy lifetime) (5 years period product) .

If do less than assurance that add is protected, so everybody can be retreated and beg next, at least should affirm add protects there are a such words in the clause:

"The circumstance that because healthy state changes or be used of insurant,won't be sure adjusts the insurance premium of insurant alone. "The circumstance that because healthy state changes or be used of insurant,won't be sure adjusts the insurance premium of insurant alone..

Come so, assure to add is protected and be not the distinction that makes sure add keeps a product, can sum up for:

Make sure add protects: During making sure add is protected inside, certain and OK add is protected, and insurance cost is fixed, although the product stops carry out insusceptible also; Blame make sure add protects: When thinking add is protected the 2nd year, the likelihood is protected by refus, likelihood the product rose in price, may stop carry out even;

So, it is the product of medical treatment danger that first selection assures to add is protected of course ~

Go to a hospital casually, can you also submit an expense account?

Before paragraph time sees circulating on the net some agent assail now the danger of 1 million medical treatment of sell like hot cakes, those who say is the limitation of danger of 1 million medical treatment to the hospital.

Right, medical treatment danger submits an expense account before medical treatment charge, have a demand to the hospital of go to a doctor, went to the hospital of disagreement compasses, it is to won't manage of compensate.

General requirement is: The public hospital of 2 class and above (what do not include a hospital is special want outpatient service / ward and ministry of international medical treatment) . Accordingly, those sanatorium, nurse abstinence or poisonous center of center of courtyard, rehabilitation, Buddhist monastic discipline, mental psychotherapy center can not submit an expense account.

Wait because of very much private hospital with medicine, cure non-standard, had appeared even the news that a lot of combination cheat cure to protect, so national medical service is protected now also can have restriction to hospital of go to a doctor, look so, danger of commercial medical treatment has restriction to hospital of go to a doctor, also give no cause for more criticism, besides " the public hospital of 2 class and above " this one requirement is not slashing.

Can average outpatient service also submit an expense account is gift nice?

Major medical treatment risk, it is not to submit an expense account of outpatient service charge.

Because the probability of outpatient service happening is too high! If everybody goes to a hospital seeing a cold, cough,such ailment also looks for compensate of insurance company manage, the manage compensate cost of that insurance company and operation cost rise greatly, medical treatment danger is not done annual hundreds of so cheap.

Accordingly, we can see there is the medical treatment a place difficult of access of outpatient service responsibility on market, insurance cost is very high, keep the specified number not tall however, sexual price is compared very low.

This also catchs up with the problem of face franchise is same actually, do not ask whats keep an insurance product, because of in that way word it is certain very expensive, do not maintain very quickly perhaps stop carry out.

Nevertheless, although medical treatment danger does not submit an expense account average outpatient service, but special outpatient service or meeting submit an expense account:

Above charge of these special outpatient service, medical treatment danger or meeting submit an expense account.

As long as it is the cost that is in a hospital, can what sign up for?

The outpatient service that this catchs up with the face is mentioned actually submits an expense account the problem is same, a lot of people think to if be in,see a doctor in the hospital only, be in hospital, wait for expense with medicine, danger of 1 million medical treatment can submit an expense account entirely.

But have two kinds of cases actually, medical treatment a place difficult of access does not guarantee:

1, do not submit an expense account toward disease already

Go to already disease, the old disease that the meaning is before (here points to cast before protecting) . Be opposite in clauses " go to already disease " also have clear explanation:

Cast the disease that contract has sufferred from before protecting, and was not cured;

Cast the disease that before protecting, did not effect a radical cure, have a relapse all the time;

Although had not arrived badly,want go to a doctor to perhaps be treated, but had appeared symptom, the likelihood needs treatment at any time

This is to be on guard reasonably actually " in spite of illness is cast protect " problem of risk of this one morality, if some people just finished,check, calculous operation should have after knowing perfectly well him plan half an year, still bought medical treatment danger to want manage compensate, insurance company won't manage of course compensate.

Nevertheless, if be the disease that contracts before, be diagnosed to be heal through cure, want to be able to be informed through health only, sequel again sicken, also be OK of manage compensate.

2, blame " indispensible and reasonable " charge, do not submit an expense account

It is almost in clauses of all medical treatment danger, you can see the premise of such one consecution compensate: Indispensible and reasonable charge, ability can submit an expense account.

What meaning is this?

For instance Xiaoming caused gastrorrhagia because of gastric ulcer, hospitalization adds up to cost 30 thousand yuan, but he returns the problem that has slight high blood pressure for years originally, then conveniently called a doctor to open the hypertensive medicine of 1000 3 money.

So this 1000 yuan 3 hypertensive medicine, belong to go to already disease, do not accord with this second cure " reasonable and indispensible " remedial cost demand, won't manage so compensate.

In addition, nutrient health care is tasted, physiotherapy of cure of doctor of traditional Chinese medicine, rehabilitation, hairdressing reduces weight wait for medical treatment to expend, cannot submit an expense account. Specific, everybody can be in of product clause " disclaimer " and " charge of medical treatment of be in hospital " find in paraphrase, have an expatiation.

Everybody also need not feel the manage compensate of medical treatment danger is very slashing, want to abide by the doctor's cure, arrangement that use drug only, won't have too big problem commonly.

Summary

Medical treatment danger and photograph of serious illness risk are compared, although look,be like safeguard responsibility is simple, but the detail inside is very actually much however, a bit carelessly, fall to real point to be able to have issue, the health that this also is medical treatment danger tells one of most slashing reasons.

Nevertheless friends also need not feel accordingly medical treatment danger " this also not compensate " , " that also not compensate " , suspect medical treatment the action of danger.

Annual what the rise of medical treatment cost, hospitalization expenses uses is exalted, believe to has experienced friend can experience the feeling that is procrastinated to break down by an a serious illness.

And should transfer the risk with so huge cost, need hundreds of money every year only, it is meal money nevertheless to everybody, sexual price is compared still is very tall.

Accordingly we need not repel overly or worry, need to establish correct configuration train of thought only, discern can rationally the stand or fall of the product, economic rate, OK.