Head year makes sure add protects: Think the touchstone with medical health safe health

Medical consultant fields questions on H1N1 virus - 1 May 09

After system of medical health insurance is reformed, medical health expenses increases the burden that reachs partial expenses for medical from what pay the specified amount, formed the expense with brushstroke not small amount to individual or family. To reduce this as far as possible the pen cannot avoid the medical health that cannot save again to expend, more and more people chose commerce to be sure. According to forecasting, be in in the near future inside, danger of healthy medical health kind one of insurance sort that insurance product will make common people need most.

Cent of medical health danger is allowance model with compensation model. If be in hospital accepts health,danger of allowance medical health points to a client normally, will receive certain allowance amount from insurance company everyday, there still is income to ensure during sick leave.

Compensating sexual medical health to be sure is to be aimed at what hospitalization expenses uses to submit an expense account, charge of actual be in hospital is in deduct submit an expense account in other after amount, odd part can ask insurance company submits an expense account. This kind of product does not enjoy a place difficult of access of healthy medical health that social security personnel should have most. For the crowd to having social security, can consider to be bought appropriately, serve as pair of society cure to protect the complement that pays the forehead the share oneself.

Although medical health danger is common people,the danger of urgent need is planted, but most a variety of is compensate of manage of medical health danger however issue that often hear. The most typical case is someone is cast guarantee medical health a place difficult of access old, last year because of cancer be in hospital, after compensate of insurance company manage, reject his add to protect this year. Such result, to consumer word is accepted hard.

If contract major disease,buying medical health to be sure is a hope, can get from insurance company persistent economy is compensated, but show level and character, a year when home protects health to a year makes sure add protects company of the much outside authority besides the person period unwarrantable add guarantees medical health a place difficult of access.

the viewpoint with respect to insurance company, because system of information of domestic medical health had be notted build, although cure protects safeguard, but record of individual medical health has not file, anamnesis all is kept by patient proper motion. Should produce compensate of medical health manage, it is not easy that insurance company wants tone to review a data, accordingly, somebody can use this kind of case, buy the product of many insurance company, jie is worn " be in hospital " will earn insurance gold, so insurance company must establish a variety of limitation to prevent a moral risk.

It is the demand that consumer has medical health to be sure on one hand, it is the worry that insurance company has moral risk on one hand, such, account danger of lifelong medical health becomes can the eclectic plan of both sides of give attention to two or morethings. Since danger of account lifelong medical health is lifelong safeguard, natural meeting makes sure add is protected; But spend limitation because of having the specified number of account, the moral risk of apprehension of insurance company place also drops considerably.

Additional, a few company is rolled out throw the medical health narrow pass that after protecting 3 years, can apply for to make sure add is protected, also be the option that consumer can consider. Because be like,have " moral risk " , it is to cast mostly protect manage compensate happens namely inside a year, make sure add is protected after 3 years so, reduced the risk of insurance company greatly. And average consumer is in one, the probability that the meet with inside 2 years contracts heavy disease is not high also, add protects the reassurance after also can accepting 3 years so.

Altogether, in if choose medical health risk,show level, besides insurance cost, keep the specified number outside thinking, whether a key that makes sure add is protected also is to should be faced up to.