When you say basic medical insurance, you should actually mean social security, which is social insurance. This is the welfare treatment of the country and the social security of the country. Of course, what we can get is necessary, because the main purpose of social security is to guarantee the people's minimum living security. Medical care is only a part of social security, and the scope of social security includes pension, medical care, work injury, unemployment and maternity, which is what we usually call five insurances. The first is social security medical care. We all know that social security medical care is reimbursed in proportion, not in full. Then social security includes self-funded drugs and non-self-funded drugs, and social security only reimburses non-self-funded drugs. Simply put, non-self-funded drugs mainly refer to domestic drugs, but most imported drugs are self-funded drugs, which is the scope of drugs they need to bear. Domestic drugs have low costs and can be reimbursed for social security, while imported drugs have high costs and social security does not give them a report, but the effect of imported drugs is far better than that of imported drugs. Therefore, in our actual medical expenses, there is no choice but to import drugs. Although the social security proportion of medical reimbursement can be as high as 70%, 80% or even better national cadres can report 100%, but it refers to the scope of not paying their own expenses. For example, the total hospitalization cost of a patient is 6.5438+million, including 50,000 self-funded drugs. If the social security is reimbursed by 654.38+000%, it will be 50,000, and if it is reimbursed by 70%, it will be 35,000. What does this mean? Social security can indeed reimburse some of us and reduce the medical burden of some ordinary people, but the problem is that the reimbursement amount is not ideal. The role of commercial insurance is to supplement this. The medical treatment of commercial insurance companies will distinguish between social security groups and non-social security groups. For customers with social security, after a part of social security is reimbursed, the remaining commercial insurance companies will reimburse them according to the amount insured by the customers. However, please note that all medical insurance types are reimbursement insurance, which means that we spent 654.38 million yuan, and the maximum reimbursement amount for social security and commercial insurance will be 654.38 million yuan. But there is a special case, that is, your medical insurance is attached with a large amount of hospitalization allowance and surgery allowance. Specialist is an additional risk of medical insurance. As long as you have surgery, you can get different surgical allowances according to different surgical grades. As long as you are hospitalized, you can get the corresponding hospitalization allowance every day to supplement the nursing expenses and hospitalization expenses, because these expenses are not covered by medical insurance reimbursement, but you can have those two allowances as a supplement. Therefore, we can see that commercial insurance and social insurance do not conflict, but will be a good supplement. But because it is reimbursement insurance, the amount needs to be designed for you by the agent's specialty. According to the existing reimbursement ratio of social security, it is possible to supplement commercial insurance! I wonder if you understand my explanation, hehe.
Secondly, I also want to tell you, from your question "I bought evergreen insurance, do I still need to buy basic medical insurance?" "As you can see, it is estimated that you are not very clear about what kind of insurance evergreen tree is and what role it can play seems unclear. Hehe, I blame your agent for this. This is because his service and expertise are not in place. If you are not clear, you can directly find an agent. These are the things he must do.
The evergreen tree you went to, as I said earlier, is actually that Hongsheng whole life insurance and Hongsheng pay critical illness insurance in advance, and the main insurance has dividends. If you get 654.38+ million, that means you have 654.38+ million critical illness insurance. If you are not seriously ill in your life, you still have a death pension of 654.38 million+. When you go to drink with God, 654.38+ 10,000 death money can be left to your beneficiary, and the beneficiary must be your immediate family, that is, your parents. If you indicate the beneficiary in the insurance contract, then 654.38+ 10,000 will be directly given to the beneficiary indicated by you. If it's not specified, it's your legacy, and it's given to your heirs. It is such an insurance. At the same time, this kind of insurance is accompanied by dividends and bonuses, mainly to resist inflation. I don't know exactly how Ping An's bonus was collected. You'd better know more about this from the agent. At the same time, I need to add that critical illness insurance is not reimbursement insurance, but payment insurance. Reimbursement insurance is based on reimbursement and how much you spend, while payment insurance is based on contract, no matter how much you actually spend, it is how much you pay. In other words, if you spend 654.38+ million, the insurance company will give you 654.38+ million directly when you need to make a claim. Whether you spend 50 thousand or 500 thousand, the insurance company will ignore you
For social security, whether it is medical care, serious illness or old-age care, for us personally, if conditions permit now, we still need to make corresponding supplements. Enough, the future is big fish and big meat, and enjoy the old age. If the supplement is not enough, then the steamed bread and pickles pension is also a kind of pension, but the way and conditions are completely different.
I hope my above content can help you.
I just read the rate of Ping An's critical illness insurance, and I want to put the comparison between our two companies here as a reference for other friends, mainly to let more friends know about commercial insurance.
For example, a 30-year-old man, with a 20-year payment period, was awarded a critical illness insurance of 654.38+ 10,000.
Ping An's Hongsheng whole life insurance is 65,438+10,000 yuan (dividend insurance), plus Hongsheng pays 65,438+10,000 yuan for critical illness insurance in advance, and the annual premium is 4,500 yuan. Security: 654.38+ 10,000 serious diseases, 654.38+ 10,000 death benefits, 28 major diseases, and only one dividend. Because the CIRC strictly stipulates that insurance companies are not allowed to promise dividends to customers to decide how much they can distribute, it is impossible to tell them with exact figures. However, the CIRC also stipulated the dividend principle of insurance companies, that is, more than 70% of the profits of insurance companies should be distributed to customers) and exemption clauses (the so-called exemption clause refers to the situation that insurance companies do not pay claims, which should also be the most important thing for agents to tell customers truthfully): drunk driving, driving without a license, nuclear radiation, AIDS, war, unrest, suicide, crime, intentional acts of policyholders and beneficiaries.
The future prosperity of Prudential whole life insurance is 654.38+million (dividend insurance), and the long-term illness insurance in the annex is 654.38+million, which is also paid in 20 years, but the annual premium is 3,746 yuan. And protection: the same 654.38+ ten thousand serious diseases, 654.38+ ten thousand death claims and 28 major diseases, but the most common 654.38+00 minor diseases are paid first. The so-called minor illness refers to the initial stage of the most common major illness that has not been recognized as a major illness and can even be cured in time. Our company pays 654.38+05% of the insured amount of major illness every time. The exemption clause, as I mentioned above, is directly related to the direct interests of customers. Our company has the least exemption clauses among domestic life insurance companies, with only three items: suicide within two years, intentional crime, and intentional behavior of the insured and the insured. Because our company is the first insurance company in the world to settle war risks, and major wars such as World War I and World War II are settled by our company, it is a leader in the industry in terms of the company's claims strength. There is a saying that the biggest difference between our insurance company and other insurance companies lies in whether it is used or not, not only through good management, but more importantly, to compensate customers for their claims.
Take this opportunity to remind more friends that when choosing commercial insurance, the insurance company is very important, the product is very important, and the service and professionalism of the agent are more important. Because the foothold of commercial insurance is no longer the traditional domestic insurance sales stage, but has been upgraded to a comprehensive financial planning and management stage to provide financial management and protection. Oh, I would like to add here that our Prudential Life Insurance Company is a Sino-British joint venture insurance company, and the British shareholder Prudential Group has a history of 160 years. It is the largest life insurance company in Britain and the largest insurance company in Asia. It has been in Asia for more than 80 years and in China for 9 years. It is a foreign insurance company with the largest number of branches in China. Chinese shareholder China CITIC Group. It is the first Sino-foreign joint venture insurance company in China. I hope more friends can understand.
Finally, I wish you and all your friends with insurance protection a satisfactory agent and provide a professional and perfect financial plan for your family and family.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.