Attention should be paid to the following matters:
1. Repayment time: prepayment cannot be made on the day when the loan is small or full. You must apply for prepayment after the current income and expenditure details are formed.
2. Repaying loan interest: Repaying small loans in advance is convenient. Repayment interest is charged on a daily basis, calculated to the repayment date; Repay on time, with the loan, and deduct the interest of all loans at any time during this period.
3. What are the disadvantages? If the loan is repaid in advance, the borrower's personal credit and subsequent loan application will not be affected.
Is it necessary to buy medical insurance? Medical insurance belongs to health insurance. The insured signs a policy with the auto insurance company, and it is the obligation of the insurance company that the insured causes the medical behavior agreed upon after the insurance. Therefore, the insurance company will reimburse the medical expenses according to the proportion agreed upon in the contract after deducting the compensation. There are many kinds of medical insurance, which are usually divided into the following categories:
1, micro-loan medical insurance
The insured amount is relatively low, generally1-50,000. Most of them have no deductible, but the price of insurance premium is still relatively high. Micro-loan medical insurance is economical and practical, with low reimbursement cost, which is more suitable for minors and adults with weak constitution who often need to go to the hospital to see patients.
2. Anti-cancer medical insurance
Cancer enjoys exclusive medical insurance, and health information is relatively loose. For people suffering from chronic diseases such as "three highs" and diabetes, the insurance coverage is almost unlimited. Suitable for people with abnormal health or old age who can't insure other medical insurance.
3. Millions of medical insurance
The insured amount is one million, and the guarantee responsibility is rich and colorful. In addition to hospitalization, medical insurance and critical medical expenses, most of them can be reimbursed for self-funded drugs and special drugs, and there are also many personalized services. However, the deductible is relatively high, exceeding 65,438+10,000 yuan. Millions of medical insurance is more suitable for people who are worried about serious illness and have no medical insurance reimbursement.
4. High-level medical insurance
The insurance coverage is high, most of them exceed one million, which can provide a good medical environment and medical conditions and can be deployed abroad for medical treatment. Suitable for high-net-worth families with good economic conditions.
The difference between medical insurance and medical insurance is 1. Medical insurance is China's advantage and essential basic medical insurance, while commercial medical insurance is to sign a policy with property insurance company and pay the insurance premium on time, and auto insurance company is responsible for paying the possible medical expenses according to the policy.
2. Medical insurance has a threshold and a capping line, which is distributed in proportion to reimburse medical expenses, while some medical expenses, such as external medical insurance or medical expenses within a certain limit, are not reimbursed. The specific content of commercial service medical insurance is very rich, which can promote the part that cannot be reimbursed by personal social security. However, the reimbursement scope, proportion and credit line of different commercial medical insurance are different, so you should choose according to your own situation when purchasing.
3. Medical insurance and commercial medical insurance provide different wages to customers. Medical insurance compensates according to a certain proportion, and the amount is not fixed, while commercial service medical insurance generally has limited funds, and the compensation is based on a certain amount, and the compensation amount is variable.
4. Medical insurance can be insured in case of fault, and it is guaranteed to be renewed for life, while commercial service medical insurance will be limited in selection and cannot be guaranteed to be renewed.
5. Every public 3A hospital can directly reimburse medical insurance. Different levels of hospital outpatient reimbursement ratio is different. The greater the hospital level, the greater the reimbursement ratio. However, most commercial service medical insurance only reimburses medical expenses above the second-class public hospitals, and the reimbursement ratio of outpatient services in different levels of hospitals is basically the same.