Commercial medical insurance is an integral part of the medical security system, and it is an insurance that units and individuals voluntarily participate in, which is used to compensate the insured for the reasonable and necessary medical expenses arising from the treatment of diseases. Generally divided into outpatient medical insurance and inpatient medical insurance. Deductible clause. Deductible refers to the amount that the insurance company is not liable for compensation when the loss is within a certain limit. For the medical expenses that the insured can bear economically and the amount is low, it is stipulated as deductible, which can save a lot of work of the insurer and reduce the operating cost of the insurer. Proportional payment clause. The insurer pays insurance compensation according to a certain fixed proportion of the total cost (for example, the insurer bears 70% and the insured pays 30%); There are also policies that pay in a progressive proportion, that is, with the increase of actual medical expenses, the proportion borne by the insurer increases and the proportion paid by the insured decreases.
Payment limit clause. Because the risk of endangering human health is very different, the level of medical expenses is also very different. In order to protect the interests of the insurer and the insured, there is generally a limit on the maximum payment of the insurer's medical insurance premium to control the total expenditure level. With the development of Internet, a number of online insurance price comparison platforms have appeared in China. As long as consumers are willing, they can find the basic contents of insurance online, such as the amount insured, the amount guaranteed, the premium, the limit and so on. Fill in some basic information easily and choose the insurance you want to insure. Although there are more and more insurance channels, it still has its advantages compared with the traditional agent system. Agents are very familiar with the products of their own insurance companies, and many insurance companies actively train agents in financial planning, so that agents can design relatively perfect protection schemes for customers' different occupations, ages, family structures and other factors. At the same time, there is another advantage of choosing to buy through an agent, that is, you can get after-sales services such as renewal and claim settlement, and form a long-term cooperative relationship.