Micro-medical insurance is a kind of medical insurance that claims to be reimbursed as long as you are sick (or hospitalized). Many friends are interested in micro-medical insurance. Moreover, such products are "visible to the naked eye". If you want to reimburse some minor ailments and go to the clinic for medical treatment, then micro-medical insurance is the most suitable. Moreover, this product is only a few hundred dollars a year, which is very popular with ordinary families.
So, today I will talk to you about those things about micro-medical insurance, as follows:
1. Under what circumstances is it suitable to buy micro-medical insurance?
2. How to choose micro-medical insurance?
3. What kind of micro-medical insurance is better for children?
4. What kind of micro-medical insurance is better for adults?
If you don't have time to look at the detailed analysis, you can directly look at the following conclusions:
1. Children's recommendation: Peter Pan Xue Ping Insurance and Pacific Warm Children Hospitalization Insurance.
2. Adult recommendation: JD.COM Allianz hospitalization insurance, Xiaoyixian No.2 medical insurance, and Ping 'an adult hospitalization insurance of RMB 10,000.
First, under what circumstances is it suitable to buy micro-medical insurance?
Micro-medical insurance is very suitable for the wool of insurance companies because of its flexible reimbursement, which provides underwriting for general accidental hospitalization and accidental medical expenses. Daily ailments, such as colds, fever, falls, burns, fractures, etc., which need to be bandaged in outpatient clinics or hospitalized, can be reimbursed through small medical insurance.
In addition, the deductible line of micro-medical insurance is low and the reimbursement threshold is low. Some products may have a deductible of only 100 yuan, while others may have no deductible. With micro-medical insurance, minor ailments and pains basically do not need the money in the wallet.
Micro-medical insurance is applicable to the following two groups of people:
1, people without medical insurance, or people with medical insurance in different places;
2. People who have bought millions of medical insurance but want to supplement the deductible;
After talking about the advantages of micro-medical insurance, let's take a look at its disadvantages. The expenses that can be reimbursed by micro-medical insurance are not much, generally not more than 50 thousand yuan; There are also restrictions on the scope of reimbursement. Most of them only report the expenses within social security, and a few of them can not be limited to medical insurance or self-funded drugs.
In addition, the stability of micro-medical insurance in renewal is relatively poor, and it can not provide guarantee renewal. Generally speaking, micro-medical insurance will play a greater role in the reimbursement of some daily medical expenses.
Second, how to choose micro-medical insurance?
When choosing small medical insurance, we should pay attention to defining the object, cost and scope. Let's talk about it one by one:
1, depending on the buyer
To buy small medical insurance for people of different ages, the matters needing attention are different. If it is aimed at children, micro-medical insurance is worth considering, because children's physical resistance is weak and there are many outpatient visits; If it is aimed at the elderly or adults, because the probability of minor illnesses and injuries is not particularly high, they can afford the expenses. Therefore, from this perspective, adults and the elderly do not need to pay too much attention to micro-medical insurance, but if it is necessary to take micro-medical insurance as a supplement to millions of medical insurance and reduce the deductible of millions of medical insurance, it can be considered.
2. Look at the scope of protection
See if there is any lack of responsibility for the protection of micro-medical insurance, whether there are diseases that do not provide protection, and whether outpatient expenses are included. Generally speaking, micro-medical insurance mostly provides hospitalization guarantee and can reimburse hospitalization expenses, while outpatient expenses generally depend on the contract. Outpatient care can even reimburse the expenses caused by colds and fever, which is more likely, but the premium will be slightly more expensive. However, if outpatient service is not included, only hospitalization is included, then the use probability is relatively small.
In addition to outpatient expenses, it depends on whether self-funded drugs are reimbursed. If you can reimburse your own medicine, you can provide the practicality of micro-medical insurance.
3. Repayment ratio
Pay attention to the reimbursement ratio of micro-medical insurance. Some products can be reimbursed 100%, while others can only be reimbursed 90%. Different reimbursement affects the practicality of this product.
4. Waiting period
When purchasing micro-medical insurance, you need to pay attention to the waiting period of products, some products are 30 days, and some products are 90 days. Try to choose micro-medical insurance with short waiting period.
5. Health notification and inquiry
Some small medical insurance is strict in health notification and will ask about hospitalization, surgery and so on. And try to choose micro-medical insurance with loose health information.
Third, what kind of micro-medical insurance is better for children?
After defining the selection principle, we selected several representative good products from hundreds of micro-medical insurance in the market:
1, Peter Pan Xue Ping Insurance
Peter Pan's insurance is cost-effective. As long as he spends 100 yuan a year, he can have good medical security. In addition, its health notification is relatively loose, and it will not ask about premature delivery, previous hospitalization, historical insurance, etc. In addition, the death of illness can also be compensated, and the death of illness can be compensated for 654.38+ 10,000. It should be noted that Peter Pan's medical insurance has restrictions on insurance, including restrictions on students at school. The requirements must be students aged 3-25 who have a student status; In terms of reimbursement restrictions, only expenses within the scope of social security can be reimbursed.
2. Pacific Warm Children Hospitalization Insurance
Parents buy more micro-medical insurance for 0- 17-year-old babies. There are three versions: entry-level insurance, general insurance and upgrade insurance. Take the entry insurance (180 yuan) as an example,100000 hospitalization medical reimbursement quota, social security reimbursement, deductible deduction, and all the rest reimbursement100%; If it is not social security reimbursement, it will be reimbursed 70%, and there will be no outpatient reimbursement.
Generally speaking, if you value cost performance, you can consider Peter Pan's insurance. If the baby is 0-2 years old, you can consider the hospitalization insurance for Pacific Warm Children, with a maximum coverage of 50,000 yuan, because hospitalization caused by accidents can also be reimbursed for self-funded drugs.
4. What kind of micro-medical insurance is better for adults?
1, Xiaoyixian No.2 medical insurance
Xiaoyixian No.2 medical insurance can be reimbursed within the scope of social security in hospitalization, especially outside social security, which can reach 90%, such as self-funded drugs, imported drugs and targeted drugs. However, it should be noted that if hospitalization is caused by accident, this is limited to reimbursement within the scope of medical insurance. In addition, although the second scheme of Xiaoyixian No.2 medical insurance is more expensive than the first scheme, the insured amount can be increased to 20,000 yuan, and the overall cost performance is relatively high.
2, adult hospitalization safety 1 ten thousand yuan
In terms of accidental medical treatment and sick housing, 1 10,000 yuan is zero-free, especially in terms of accidental medical treatment, 1 0,000% is reimbursed, and 90% is reimbursed for sick hospitalization. In terms of waiting period, the waiting period for medical treatment for diseases is 60 days, while there is no waiting period for accidental medical treatment. It is worth mentioning that the health notification of this product is relatively loose.
Compared with Xiaoyixian No.2 medical insurance, this product has certain restrictions on the scope of reimbursement, and the reimbursement of hospitalization care for safe adults 1 10,000 yuan is limited to the scope of social security. In addition, in terms of insurance age, the age is 49 years old, which has certain restrictions on professional requirements.
3.JD.COM Allianz Hospitalization Insurance
The feature of this product is that whether it is accidental medical treatment or disease medical treatment, it is not limited to the scope of social security reimbursement, and the proportion of reimbursement outside social security can reach 80%. Although it is not as high as a doctor, compared with most products on the market, the cost performance is good.
In terms of health notification, it is more strict. Compared with the 10,000 yuan nursing fee for adults hospitalized safely, the inquiry is more detailed, and they will ask about past diseases and abnormal conditions within 2 years. However, JD.COM Allianz Hospitalization Insurance is the only one of the three products that can provide intelligent underwriting. If you can't pass the health notification, try smart underwriting to see if you can insure.
Generally speaking, if you want to be reimbursed for accidents or diseases, you can consider JD.COM Allianz hospitalization insurance; If you want a high reimbursement rate, not limited to social security, you can choose Xiaoyixian No.2 medical insurance; If you want to be able to apply for insurance smoothly and take a fancy to loose health advice, you can consider being hospitalized for 10 thousand yuan for Ping An adults.
Verb (abbreviation of verb) abstract
At present, there are many small medical insurance in the market, and some products can be insured separately as the main insurance, which is more flexible and relatively cost-effective; And some can be matched with insurance, which has certain advantages in renewal and is relatively more stable. In addition, when choosing micro-medical insurance, the reimbursement scope of most products is within the scope of social security. Different products have different reimbursement ranges. Generally speaking, the wider the scope of reimbursement, the higher the price. If you are still confused and don't know how to buy insurance, you can consult a professional and excellent insurance broker. Because professional insurance brokers will make a comprehensive evaluation and tailor the plan according to your problems and needs, Baibaojun has a professional and powerful insurance team to match the exclusive consultant that suits you best. Baidu searches for "Baibaojun" to provide you with more professional insurance.