I. Waiting Period Waiting period
In order to avoid unfairness to the healthy consumers, insurance companies 買英國樓
set up a waiting period or inspection period for trade medical insurance.
The longer the waiting period, the more unfavorable it is for the insured. Therefore, you can choose products with a shorter waiting period or take out an insurance policy as early as possible.
II. Reimbursement rate and maximum limit
Most of the trade medical insurance is cost reimbursement type and hospitalization 醫療保險
subsidy type, hospitalization subsidy type is to compensate the insurer for the loss of hospitalization period, then the cost reimbursement type is required to reimburse the insurance company with the confirmation and reimbursement invoice issued by your kind of hospital.
Different insurance companies, different insurance products and insured people with or without social security will affect the reimbursement ratio and the maximum limit, those with social security will have a higher reimbursement ratio than those without social security, so consumers should choose products with a high reimbursement ratio and maximum limit when taking out insurance.
III. Reimbursement Scope of Insurance
The reimbursement limits of different trade medical insurance products are also different, some products are probably not limited to social security items, exported drugs, publicly funded drugs, extraordinary outpatient surgeries and so on can be reimbursed, but some products may not be reimbursed, so when consumers choose commercial medical insurance must choose products with a wide range of reimbursement, so that the protection can be more comprehensive.
The trade medical insurance city has a deductible, the high deductible will affect the trade medical insurance rates, the high deductible corresponds to the low premium, so in the time of insurance to know the clear product deductible, remember not to be fooled by the sales staff.
V. Product renewal
Most of the trade medical insurance is a short time product, usually guaranteed for one year, then after the expiration if still needed, you need to renew the policy, the way the product renewal is very important, with the growth of the insured's age, the product premium will change, generally speaking, the older the age, the higher the premium.
A few key factors in choosing medical insurance！
Uma leitura obrigatória para os compradores de seguros médicos