Hualvwang
For medical insurance, although many people pay through their own work units or go to the labor insurance office themselves, the inquiry method of personal accounts is not very clear. Let's have a look.
Inquiry method of personal account of medical insurance
1, social security center query
If you don't know your social security account number, you can bring your ID card to the business hall of social insurance agencies in various districts to inquire.
2. Online inspection
Log in to the city's labor security network or social insurance business website, click the "Personal Social Security Information Inquiry" window, and enter my ID card and password (the password is your social security number or the date of birth of your ID card) to inquire about my insurance information.
3. Telephone consultation
Call the labor and social security comprehensive service telephone number "12333" for policy consultation and information inquiry.
4. Touch screen query
If there is a social insurance touch screen inquiry system in the business hall of social insurance agencies in each district, swipe your card or enter the card number or ID number according to the screen prompts for inquiry.
How to buy medical insurance
First, pay attention to the age limit of insurance. China Merchants Bank Insurance reminds that different insurance companies have different regulations on the minimum insurance age. According to different types of insurance, the minimum insurance age generally ranges from 90 days after birth to 16 years old. However, the maximum insurance age stipulated by various insurance companies is roughly the same, which is 65 years old. If your age is not within this range, generally speaking, you are not suitable for insurance.
Second, pay attention to the obligation to tell the truth. When concluding an insurance contract, you should truthfully state your current physical condition and past medical history to the insurer, so that the insurer can judge whether to accept insurance or under what conditions. Some inpatient medical insurance clauses clearly include some serious diseases (such as congenital diseases, leukemia, etc. ) is within the coverage. So don't conceal the medical history, otherwise the insurance contract will be invalid, and even if there is an insurance accident within the scope of responsibility, the insurance company will not fulfill its obligation to pay compensation.
Third, pay attention to the scope of insurance. When buying insurance, it is important to know the scope of insurance. Only when an insurance accident occurs within the scope of responsibility will the insurance company fulfill its obligation to pay compensation. For example, the best-selling critical illness insurance in the market is generally the first diagnosed diseases after insurance, such as cancer, stroke, myocardial infarction, etc., while diseases such as asthma and tuberculosis are not covered. If Party A is diagnosed with pulmonary tuberculosis after purchasing critical illness insurance, although it is also a major disease, it is impossible for Party A to get compensation from the insurance company because it is not covered by insurance.
Fourth, pay attention to the wait-and-see period of hospitalization medical insurance. The so-called wait-and-see period, that is, after the insurance contract takes effect for a period of time, the insurer performs the responsibility of paying the medical expenses incurred by the insured due to illness. In addition to the hospitalization expenses caused by accidents, for general hospitalization insurance, insurance companies have a wait-and-see period when underwriting. Depending on the type of insurance, the wait-and-see period is 90 days from the effective date of the contract and 180 days. The insurance company is not responsible for the medical expenses incurred during the wait-and-see period.
Fifth, pay attention to the deductible clause. For some low medical expenses, insurance companies generally adopt the deductible clause. On the one hand, the insured can afford lower medical expenses; At the same time, it can also save a lot of manpower invested by insurance companies for claims settlement. On the other hand, it can urge the insured to strengthen the self-control of medical expenses and avoid unnecessary waste. So when you buy medical insurance, you must pay attention to the deductible. If your medical expenses are lower than the deductible, you can't get a claim.
Medical insurance is very important, or you can choose commercial medical insurance. Le Kang worry-free return hospitalization medical insurance plan recommended by China Merchants Bank-Netcom Insurance has the following advantages:
70-year super-long guarantee: minimum 5 yuan investment per day, 15 years, guarantee to 70 years old.
7 times subsidy care: 30 kinds of diseases are guaranteed, and the maximum subsidy is 7 times, reaching 1050 yuan/day.
128% premium return: return at the expiration of the contract 128% premium.
Free top medical advice: extra 1 year of the world's top second medical advice service to ensure timely and effective treatment.
Exemption from premium: the first diagnosis is made after the waiting period due to an accident or serious illness agreed in the contract, and there is no need to pay the remaining premium.
Conflict-free: there is no conflict with social security, and accidental diseases are fully guaranteed.