Health is a responsibility, according to statistics, from 2002 to 2003, 35 years old --- 46 years old died of cardiovascular and cerebrovascular disease, China is 22%, the United States is 12%.

Currently, the proportion of white-collar subhealth in China's mainstream cities is as high as 76%, white-collar workers in the state of overwork is close to 60%, and the proportion of healthy people in the true sense of the word is less than 3%, of which white-collar women are more likely to be subjected to gynecological, cardiovascular and cerebrovascular disease threat, men are faced with the problem of sudden death, overwork, cancer and so on! General critical illness insurance, women are more affordable than men, what are the good women's insurance recommendations?2020 women's top ten worth buying critical illness insurance inventory!

Chinese national awareness of health insurance needs to be improved

Health is like the number 1, career, family, status, and money are all 0; with 1, the more 0s behind it, the richer it is. On the contrary, everything is nothing. Undeniably, health is the capital "1" in life. However, in the fast-paced life of modern cities, threats to health are everywhere. Environmental pollution is becoming more and more serious, work pressure is increasing, food safety is not guaranteed ...... In this era, everyone may be in "sub-health", the incidence of major diseases such as cancer and the trend of rejuvenation is also increasing step by step, health care has become a "must face up to". The health care insurance has become a "universal issue" that must be faced squarely. The first thing you need to do is to get a good deal of money.

One, social security "guarantees but does not cover"

Frankly speaking, China's social health insurance system is a kind of welfare embodiment of the country's personal health care and old age. Strictly speaking, it is a lower level of basic security. Although the government has repeatedly pushed forward the reform of the social system through the new social security policy, expanding public **** services, so that more and more people have medical care, but social security is still a guarantee but not a package. For the health insurance reimbursement strategy, I just happened to organize the relevant content, I hope to help you: social security health insurance how to use? An article to teach you to apply for the reimbursement process!

First of all, the social security medical reimbursement has the amount of limitations, "there is a threshold below, there is a ceiling above", social security only to the starting standard above, below the maximum limit and in line with the reimbursement scope of the cost of proportional payment. Secondly, there is a limitation on the scope of reimbursement, as most of the new drugs, imported drugs, expensive drugs, as well as some of the diagnostic and treatment programs and medical service facilities are not covered by the social medical insurance. In addition, some of the recurring costs incurred during the illness, such as nutritional and nursing costs, are also not covered.

The cost of treating a serious illness can be as high as 100,000 to hundreds of thousands of dollars, which is a huge amount of money that not everyone can afford. As the coverage gap for major illness costs is generally large, it is difficult to maintain treatment by relying on social security alone. Even after the treatment is completed, the patient's recuperation and long-term care expenditures will still cause a heavy financial burden for many families. In this case, it is not only wise but also urgent to plan for major illnesses and medical insurance as early as possible.

Second, commercial insurance for social security "fill in the gaps"

Objectively speaking, with the innovation of medical technology, the major diseases are no longer "incurable", but its treatment is still a "long war". "

How to avoid "returning to poverty due to illness"? Commercial health insurance is considered one of the most scientific and effective ways to transfer some of the pressure and risk of medical expenses.

As a useful supplement to basic social healthcare, a reasonable health insurance configuration can provide effective support for the insured and their family's medical expenses, rehabilitation and nutritional costs on the one hand, and on the other hand, it can also reduce the pressure on the insured's pension planning. What are the best medical insurance policies? Which one is worth buying? Look at this year's insurance companies ranked the top 10 hot insurance: what are the good medical insurance recommendations?2020 hot top 20 quality medical insurance inventory

Three, early planning clever arrangement

Need to point out that for different individuals or families, a family has the old and the young, there are men and women, the needs of the different preferences are different, and therefore there is no need to pursue the "The first thing you need to do is to get a good deal on a new product or service, and then you can get it all on your own. In the specific planning configuration, according to their age, occupation, social security status, health status and other factors for comprehensive consideration.

Another point to note is that most commercial health insurance policies have an upper age limit of 55 years for the first time. Although there are some medical health insurance are limited to 60 years of age, but at this time the total payment may be more than the sum insured, the effect of protection is relatively very limited. Considering this age limit and the premiums that are proportional to the age, it is advisable to plan for an early start if you are in need of insurance.

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