How to buy risk of medical health ability is the shrewdest

Medical Marijuana by Drew Carey and Reason.tv

How to buy risk of medical health ability is the shrewdest

General component is risk of medical health long-term, short-term with the accident 3 kinds big:

L is long-term it is major disease risk (cent advocate danger and additional risk two kinds) ;

L is short-term it is allowance of be in hospital and hospitalization expenses submit an expense account two kinds (these two kinds of major insurance company are additional risk) ;

L accident is accident be in hospital and accident outpatient service two kinds (these two kinds of major insurance company are additional risk) .

One, the note needs when buying:

1, understanding time limit of the longest safeguard is to arrive when;

2, " make sure add is protected " the right; (insurance contract period of efficacy is medical health 1 year commonly)

3, the time of observation period is shorter better;

4, have franchise, some words are lower better;

6, remedial project cost: Had better not fractionize, all all protects the forehead to submit an expense account;

7, the number of day of be in hospital that compensate pays grows better more, and had better do not have what count one day to deduct, best from be admitted to hospital to leave hospital whole journey accumulative total;

8, responsibility seeing Qing Dynasty exempts an item;

9, should have sufficient safeguard amount; Once come unfortunately when, it is far insufficient that thousands of yuan risk is spent.

2, manage compensate when what is those who need an attention?

1, when producing insurance accident, say with the doctor only as far as possible this second circumstance, how be before be not being carried as far as possible, like why, do not have the condition that verify especially.

2, the bill that begins from outpatient service should close neat.

3, contact in time with your insurance agent, he can give a few correct guidance.

4, offer manage compensate application in time.

5, the full data that prepares manage compensate place to need.

6, it is OK to be not judged by oneself manage compensate, try ability knows.