Stay the "1" Wang Yao Yao, disappeared overnight. Thousands of sentences are sighed into a sentence: health is "1", while career, money, success ... all everything is "0" behind "1". If there is no health, "1" is supported in front, "0" behind it is also white. A white-collar elite also finally realized that it is necessary to add insurance for their own health, because the "1" that is preserved is not only responsible for himself, but also for the family. Health insurance, buying is a health insurance in the current market can be roughly divided into medical insurance and major illness insurance. These two insurances are different in the way they claim, and medical insurance is complete compensatory. In accordance with the principle of compensation, according to the medical materials provided by the insured, make up the difference after the social basic medical insurance reimburse; and major disease insurance It is "payment" insurance, not to see how much money is spent in the case of the medical treatment, but according to the claims specified in the insurance. There is also a "hospitalized subsidy" health insurance, after buying such insurance, if the insurance company will compensate for the misunderstandings caused by hospitalization every other hospital. From whether it is returned to the premium, the health insurance can be divided into two types: a high cost, but it will return premium after the expiration, actually, equivalent to paying by interest; another cost is lower, but after expiration Do not return to premium. It can be said that health insurance is a supplementary approach to social medical insurance, especially the current social medical insurance can only be more important in the case of partial compensation of some diseases. It is worth noting that health insurance and pension life insurance and dividend-type life insurance have different, its yield is low, but the demand for funds is relatively small, and the protection range is suitable. Health insurance is focused on security functions, rather than investment wealth management, in other words, health insurance, buying a peace of mind. Specific case: 1: What is the insurance if there is a social security? Mr. Wang is 29 years old. He participated in the work 6 years, there is a social security, but also has a certain economic strength, but he just bought a new house, monthly, thousands of yuan in housing loans. In order to make your life health, it is also responsible for the family. At the age of 25, Mr. Wang has insured two kinds of insurance in the insurance company: one is a lifelong body risk, more than 2,000 yuan per year, insured 20 years Insufficient amount of 100,000 yuan. This insurance has a certain savings, can be 100 years old, and can be reflected at 60 years old. The other is periodic life insurance, this periodic life insurance has no savings function, but the premium is not high, more than 200 yuan a year, Mr. Wang is invested in 20 years, and there is 100,000 yuan. Insurance consultant analysis: Mr. Wang's income is increasing, but the health is often inhaborable, although the unit is a medical insurance, medical insurance does not solve all hospitalization costs. So it is recommended that he adds a little health insurance. Division custom: 1: Inpatient medical insurance hospitalization daily subsidy increase this insurance, once the sick is hospitalized, he has 3,000 yuan of hospitalization insurance, and every other courtyard, insurance company will pay him 100 Yuan's hospitalization subsidy. This hospitalization insurance premium is more than 200 / year. Second: Major disease insurance If Mr. Wang unfortunately has any of 30 major diseases in the policy, he can obtain compensation for insurance companies. This insurance premium is more than 200 yuan a year, and increasing year by year, the amount of insurance is 100,000 yuan.
