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Medical insurance is to point to to be insured in the treatment of diseases of the medical expenses happened to provide insurance of insurance. At this time, medical expenses include not only the doctor?s medical treatment cost and expenses of operation, also including hospitalization, nursing, use the cost of hospital equipment and various inspection fees and charges hospital. Health insurance is one of the major content of health insurance.

In medical insurance, because the happening of the disease suffered by the insured to the actual loss of medical treatment charge, this loss can use the money to measure. So, medical insurance, that is, the underwriter can be compensated in insurance amount to the extent of the compensation insurant of actual spending medical expenses. Medical insurance also can use fixed payment method, but only in a certain security project, such as for hospitalization born, operation expenses, nurses cost, etc. When the medical insurance compensation methods, the underwriter is usually according to the actual medical expenses to compensate.

Medical insurance rates set depends not only on the age of the insured, but also to the insured?s runoff in gender, health, occupation and hobby, and other factors. For example, gender and the risk of certain diseases in adults, some related professional environment and characteristics of the disease with a seen dramatically higher incidences of related. Therefore, the medical treatment insurance premium is pure calculated based on weight.

Medical treatment pay insurance of insurance coverage is compared commonly strict conditions on the causes of disease, need straight when strict censorship. To prevent already sick insurant, protect, long-term health policy provisions in a year observation period (more for half a year), the insured in observation period internal cause disease spending, the underwriter does not responsible for medical treatment. After the observation period, the insurance people began to assume insurance responsibility.

Medical treatment gives pay insurance general provisions a maximum amount of insurance, the insurer in insurance amount limit the insured to pay the expenses, more than the limit, criterion the underwriter stop payment. Medical expense share are medical terms of pay insurance and a main features. The terms usually asks insurant to bear part of medical expenses, to encourage the insured will medical expenses to the minimum control, which can help the underwriter will pay insurance cost control of medical treatment in the lower level. Medical cost terms usually take deductibles and share proportion two forms. Franchise is usually a fixed amount, such as 100 or 200 yuan. Only when the insured pay medical costs more than a fixed quota, insurance talented person begins to pay this insurance policy happened under medical costs. Most of the medical treatment gives pay insurance policy include a annual deductible. In each of the calendar year, the assured must come first in the amount of payment of the required, the underwriter is in charge of bear more than part of the medical expenses. Medical treatment cost to another form of proportion, which for share to exceed franchise above medical treatment cost, the underwriter and insurant the proportion of Shared payment method. Like many medical treatment gives pay insurance contain 20% of share terms. In under this clause, insurant after paying franchise still need to pay for the rest after part of medical expenses by 20%. So, not only guarantees the economic interests of the insured, and promoted to the medical cost saving. Most medical insurance is stipulated the stop loss provisions. Stop loss provisions when insurant to pay medical expenses exceed a certain limit, the underwriter will pay more than part of the medical expenses.
Most medical treatment gives pay insurance underwriters shall clear the except responsibility. Because of the following causes of medical expenses, the insurer is not liable to pay for the war, military action, : * * or armed rebellion occurs in medical costs; The insured person accident injury or other medical reasons, for cosmetic surgery and expenses incurred by; Insurant intentionally hurt themselves; For illegal behavior or a serious violation of the rules of safety result disease, etc.

Medical treatment gives pay insurance usually includes ordinary medical insurance, medical treatment of be in hospital insurance, insurance, hospitalization insurance operation, comprehensive health insurance subsidies and special medical insurance.

Ordinary medical insurance for the treatment of diseases related to provide general treatment costs, including outpatient fee, medical bills and check the cost. This kind of insurance to lower compared to, is generally applied to the public. Because of medical bills and check the expenditure of money control difficulty bigger, the general provisions of the guarantee slip franchise and cost share proportion.

Because the expenses in a considerable medical treatment of be in hospital insurance usually as a single insurance to assume. Medical treatment of be in hospital insurance generally made according to the number of fixed payment in hospital way, in insurance contract agreed to pay amount every day, avoid compensate pays most days and days. The insurance company to more than just avoid compensate pays more than most days, not days during be in hospital to pay insurance gold.

The operation is necessary because of the burden of insurance expenses incurred by surgery, general burden share expenses of operation. This kind of insurance can be use as a separate danger to plant, can be added to the additional coverage.

Comprehensive health insurance is insurant offers a comprehensive range of medical treatment cost of insurance, its security range to include medical, be in hospital, surgery for all the costs. The premium is higher, generally one of the lower determine the franchise and appropriate the allocation proportion (such as 15%).

Special disease insurance burden for some special disease, such as cancer, heart disease, brings to the patient catastrophic expenses. This kind of insurance of insurance amount can usually is higher, with enough to pay its to produce a variety of expenses. Special disease payment to the general immediately confirmed a one-time payment of insurance amount.

Source: http://youandmeinsurance.com/2011/07/medical-insurance/

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