I have been working in the company for 5 years, with complete social security, and I have not suffered a serious illness. That is, I got a serious illness this year and stayed in the hospital for a few months. I also spent a lot of money, thinking about buying myself another commercial medical treatment. Insurance as a supplement, would you like to consult the price of commercial medical insurance?
Different insurance products require different fees due to different insurance contents. Therefore, before you purchase commercial medical insurance, you must first determine what insurance you already have and what insurance you still need, and secondly, according to your age, economic situation, and other factors. Choose a commercial health insurance product. The following are some knowledge introductions about commercial medical insurance:
1. The medical insurance of commercial insurance companies can only be used as a supplement to social security medical insurance, and drugs that are not reimbursed by social security are also not reimbursed by commercial insurance.
2. The medical insurance of commercial insurance can only be reimbursed for hospitalization, and it cannot be reimbursed for outpatient services.
3. For the remaining part after social security reimbursement, excluding the self-paid drugs, commercial insurance can only reimburse part of it, which is about 80%; for example: if you spend 10,000 yuan in hospital, and social security reimburses 8,000 yuan, Then commercial insurance can report up to 1,600 yuan, and you can’t achieve 100% reimbursement without spending a penny yourself.
4. However, you can still choose age-appropriate commercial medical insurance. There is no need for too much, plus major illness, minor illness, hospitalization allowance, accidental injury, and accidental medical treatment, 2,000 yuan a year is enough.
The above is the answer to the commercial medical insurance price, I hope it can help you.
How to buy car insurance? How much is car insurance a year?
Every car owner is more concerned about how to buy insurance. Next, let’s learn some knowledge about car insurance, so that everyone can choose car insurance more easily and the car insurance calculator below. Car owners can calculate and evaluate how much car insurance is a year. You can also compare which car insurance is cheaper.
The popularity of private cars has driven the prosperity of the auto insurance market. Everyone wants to spend the least amount of money to buy auto insurance with comprehensive protection services. How much does car insurance cost a year? When buying car insurance, of course, you must consider the price factor. Different insurance companies have different auto insurance rates, so the car mainly compares the prices of multiple insurance companies. Generally speaking, larger insurance companies have better software and hardware, and the price of natural insurance will be slightly more expensive. However, some insurance companies can save costs through different insurance channels, so that the insurance prices are not much different. big.
How much does car insurance cost per year? For example, for the same type of car insurance, choosing online car insurance or telephone car insurance can save about 15% of the premium, which can also save a lot of money. Mainly the current traditional auto insurance method often has an intermediary agent, who will charge a certain fee of several hundred yuan from the middle, while online auto insurance and telephone auto insurance are direct transactions between the car owner and the insurance company. The whole process is simple and convenient, and the car owner can do it at home. You can complete the insurance and wait for the policy to be delivered to your door.
Many car owners often ask how much the car insurance costs for a year. In fact, the price of each car insurance is different. This is mainly related to the car insurance rate. The above online car insurance calculator is the best tool to calculate the car insurance price. Calculate it yourself. And the price of each kind of car insurance is also different. For example, the car damage insurance determines the premium based on the purchase price of the new car, which means that the price of the car is different, and the price of the car damage insurance will also be different. Other types of auto insurance calculate the premium according to the owner’s wishes. For example, the individual glass breakage insurance depends on whether the owner is insured for a domestic glass of imported glass. Generally, the premium price of imported glass will be higher. In compensation, the insurance company also pays compensation according to the type of glass. For example, the glass of the car owner is imported, and the domestic glass is invested to save money when insured, the insurance company can only compensate according to the domestic glass when there is a problem.
How to buy car insurance? How much is the car insurance per year? The most suitable car insurance is the one that suits you. Car owners need to consider their own actual problems, and they need to buy car insurance according to their own circumstances, such as living environment, car usage, and economic conditions.
