What kind of health insurance is appropriate?

Health insurance is divided into medical insurance (general medical insurance, cancer insurance) and critical illness insurance (general critical illness insurance, cancer insurance). First of all, medical insurance is an insurance that reimburses medical expenses, and the insurance company will only reimburse the claim if it is reasonable and necessary. It is mainly used to cover hospitalization expenses that are not covered by social security. The scope of social security is limited, and social security only reimburses Class A, B and C drugs, and a small portion of Class B. It is more than enough to treat common illnesses such as colds and fevers, but in case of complex illnesses, social security is not enough, and medical insurance is needed to cover the remaining risks.

The second is critical illness insurance, in practice, medical insurance reimbursement conditions are required to bring a list with the official seal of the hospital to be considered valid, and often some expensive drugs in the hospital inventory is very little, such as targeted drugs for cancer treatment, nutritional drugs, the general situation is the doctor wrote a small note with the patient’s family to go to what what place to buy, not through the hospital, it is bound to not reimburse the cost of the part. Compared to medical insurance, critical illness insurance is like a landlord, when the payout criteria are met, the money is given to the patient in a lump sum, regardless of what the patient eventually gets the money for, so critical illness insurance can, to some extent, compensate for the risk of loss of income, after all, suffering from a serious illness, it is necessary to have someone around to take care of it, and the cost of hiring a caregiver, it is not possible to be reimbursed through social security The cost of hiring a caregiver cannot be reimbursed by social security, right?

As for what kind of insurance is appropriate, it depends on the individual’s level of concern about the disease and his or her ability to bear the risk. If you feel no pressure to bear it, you can actually not buy health insurance, and invest more in financial management will be better.

But if you think it is very hard to bear, then you need to configure as much as possible according to your actual situation, to avoid high risk.