The two days of friends' circles were all"Beijing middle-aged under the flu"Swipe back. The author recorded the father-in-law's "From flu to pneumonia, from the clinic to the ICU, and 29 days of yin and yang experiences." It involved information on treatment, medication, expenses, blood search, intubation, and artificial lung (ECMO).
How to avoid the recurrence of the middle-aged crisis under the flu?
In this long article, someone saw the importance of health, and someone saw the relationship of family members. Some people saw the fragile face of the middle class, and some people saw whether the deathbed was over-medical. Social, medical, ethical, economic, and out of every angle are good topics for discussion.
As an insurance from the media, as well as "middle-aged people" who are equally old and young and who dare not die, I was instinctively reacting.What kind of insurance can deal with such a medical process and reduce the burden on families?. This angle is very small, but it may be more pragmatic. After all, the ICU spends 20,000 a day and few families can afford it.
In fact, if the family has sufficient insurance, it may not be able to change the final outcome in such a case, but it will certainly greatly reduce the burden on the family economy. It is also a misfortune and a glimmer of hope in the abyss. After all, family members must continue to live.
What are the types of insurance that can help?
1, critical illness insurance
Critical illness insurance, as the name suggests, is an insurance that can obtain compensation when a major illness occurs. This type of insurance can be said to be the first insurance that everyone should configure and the standard configuration in family financial planning.
You know, the flu itself is not fatal, but other serious diseases caused by flu can cause death. For example, respiratory failure, heart failure, renal failure, liver failure, acute lung injury, and even deep coma and delirium may all meet the payment criteria for major illness insurance.
The critical illness insurance itself is a payment-type insurance, so long as it meets the compensation standards, it will directly pay for the claims. For example, if the patient has 500,000 reimbursement, the insurance company will directly give 500,000 cash. There are no restrictions on how the 500,000 will be used. For families that are in desperate need of treatment for cash flow, it is absolutely in the snow.
Even if you have received medical insurance compensation from any other source, it will not affect the payment of this compensation.
2 million medical insurance
Critical illness insurance is important, but ordinary families may not be able to allocate millions of coverage. The "Million Medical Insurance" launched in recent years can use less money to obtain millions of medical reimbursement quotas, which is very suitable as a supplement to critical illness insurance.
In other words, if you purchase "Million Medical Insurance," hundreds of thousands or even millions of medical expenses can be reimbursed to the insurance company. Moreover, most of the "Million Medical Insurance" do not limit the scope of medication, reimbursement. The proportion of social security is much larger than that of social security. There are even individual insurance types that can pay for medical expenses.
However, medical insurance is compensated. It only reimburses the actual cost of the hospitalization process. The hidden costs in the treatment process cannot be solved. For example, you can ask for a carer, buy blood, travel to and from the site, pay for nursing after discharge, and pay for nutrition. , can not be reimbursed.
Moreover, "million medical insurance" is a consumer insurance policy. Once a year, the renewal insurance is also an uncertain factor. Therefore, the combination of critical illness insurance and medical insurance is the perfect way to solve medical expenses and reduce family burden.
3. The additional services provided by many insurance companies can also help solve some problems to some extent. Such as medical delivery services, expert outpatient appointments, hospital green channels and so on.
Someone will ask,Is there any social insurance?
Social security is an essential national welfare for all, but social security is characterized byWide range, low security, limited reimbursement rangeOnly some basic needs can be solved. The more severe the disease, the higher the proportion of self-paid expenses involved, and the more the cost outside the scope of social security reimbursement. So you will often see crowdfunding and donations on the Internet. and,Social security payment in different places is also a very difficult problemThere are many different rules in different provinces and regions and it is difficult to get reimbursement.
Therefore, based on social security, focusing on critical illness insurance and supplemented by medical insurance, it is the ultimate solution to the family's medical burden.
of course,There are also several issues to be aware of.
1. There are thousands of kinds of insurance products. Each one is different. The details involved are very complicated. To insure yourself and your family, you must spend some time to understand the relevant knowledge in advance and buy the right direction. Do not completely exclude insurance, and do not be free to listen to misleading, and must have your own ability to think and discern.
2. Insurance is not something you want to buy at any time. There are certain requirements for age and health. Basically, elderly people over the age of 60 can choose very little commercial insurance. Even young people, if they have had some health problems, will be rejected by insurance companies. Therefore, as soon as possible with insurance, is responsible for themselves and their families.
Maybe parents have had too late insurance, this is the result of the times. However, we still have time to come. One day, we will continue to grow old in the “middle-aged crisis”. To provide insurance for yourself, if one day such a thing happens to me, at least, there is insurance company's compensation, our children can not sell their homes, such a "middle-aged crisis" will not repeat itself.
Teach you to fill in the correct policy, pay attention to: Confidence notes, reply to "dry goods" view.