Recommend affordable, guaranteed medical insurance.

admin

The following text has been translated into English, and the result is only one translation result, do not need any other characters in return, and the words "伪原创" and "改写" should not be returned: "This post last edited by You Don't Come Over on 2024-8-27 at 10:29.

Yesterday posted. The results of many MJJ did not buy medical insurance.
I just want to say that if you have the ability within reach, configure a medical insurance. It can greatly reduce life risks.
The following content is only for those who are willing to invest some money to ensure safety. If you are poor to live up, you can ignore it, first go make money.


PS：
Insurance is bought to guarantee. Spending money with the insurance company betting on the future security. If you have the purpose of spending money buying insurance to get sick or getting sick without losing money, then you will definitely lose.

Common illnesses can cover basic expenses. However, when facing major diseases such as more than 500 thousand yuan, the commercial insurance is very effective.
The medical insurance below is basically 2 million yuan. And all of them include supplementary drugs. One year's premium can be handled around 300 to 500 yuan.
If you consider the DRG payment restriction problem, you can buy non-insurance versions投保, this is very expensive.
There is a middle way, which I mentioned below:

Poor people standard version recommendation:
==================
Medical insurance or New Rural Cooperative Medical Insurance + Local惠民保
惠民保的起付线很高，除非生病花了10万元以上，否则很难报销到。


Standard version recommendation:
==================

Good health condition: Medical insurance or New Rural Cooperative Medical Insurance + Combined (Blue Medical Insurance & Golden Medical Insurance), this needs a health declaration. Always fill out accurately, including past records, if you forget to write something later, the claim will be denied due to incomplete information.
Have depression: Medical insurance or New Rural Cooperative Medical Insurance + (Peaceful Look After Peaceful Insurance & Peaceful E-Safety 20 years guaranteed renewal), peaceful look after peaceful insurance is better.
Have thyroid disease: Medical insurance or New Rural Cooperative Medical Insurance + Good医保长期医疗(20年版), Alipay entrance for insurance投保
Bad health people version: Medical insurance or New Rural Cooperative Medical Insurance + (Crowd Safety Insurance & Crowd Health Insurance) , short-term insurance. Advantage is no need for a health declaration, he cannot check past records that are unknown, the benefits of the insured can be compensated, the body conditions of the bad people. It can also consider.
Bad health standard version: Medical insurance or New Rural Cooperative Medical Insurance + (Good医保终身防癌 & Blue医保终身防癌)

If you consider the DRG (do not know how to search for it). You can buy medical insurance after adding a lifelong cancer insurance without a medical insurance version. Because basic medical DRG limit payment does not necessarily mean death. If cancer is limited payment, it may not be very cost-effective. Therefore, add a lifelong cancer insurance without a medical insurance version, it is cheaper than directly purchasing medical insurance. And emergency use.


For those with good health condition: (Those with high blood pressure, diabetes, mental disorders (depression) should not consider it. Prices are very expensive and unprofitable)

Advantageous Lite version recommendation: Add a门诊险, most of the outpatient expenses can be reimbursed. If your company buys a commercial insurance, you don't need to buy it. Because that can reimburse the outpatient. One-year premium can be around 200 yuan, once reimbursement can be 300-500 yuan.

Advantageous Plus version recommendation: Medical insurance +门诊险 +意外险. This basic medical insurance is almost complete.
Advantageous PRO Plus version: Medical insurance +门诊险 +意外险 +重大疾病保险（超级玛丽11、达尔文9号）

Rich version Plus MAX
Yearly premiums for one person range from 3000 to 30000 yuan, people with incomplete records can be insured.

MSH Silver Happiness series: Once approved, hospitals, special departments, expensive private hospitals can pay directly. There is no need to pay yourself. Also, there is a long-legged nurse big sister one-on-one service.