What is health insurance? The benefits and benefits cannot be ignored

Buying health insurance will share the financial burden when you are in danger. So what is health insurance? What are the benefits and benefits of this insurance package?

Health insurance is a type of insurance where the insured person is injured, accidental, sick, sick or cared for by the insurer paid for by the insurance enterprise as agreed in the insurance contract. .

Health insurance is considered a solid financial support when you and your family face risks, unexpected, unforeseen or unforeseen accidents with serious diseases.

Involvement of customers with this product is voluntary, not compulsory. Most of the product packages offered by insurance companies have benefits available, customers depending on their needs and their families will choose the available benefit packages.

The feature of health insurance is a policy period of only 1 year, paying one-time premium to enjoy benefits. If you want to continue to enjoy the benefits of the insurance package, customers need to renew the insurance (simply to renew, pay fees for the product to continue to be valid).

According to the Law on Insurance Business, health insurance is classified into 3 main types of insurance:

Human accident insurance;

Health Insurance;

Health care insurance.

Inside:

A type of insurance in case of accident causing death, bodily injury or incurring medical expenses under the scope of insurance.

Insurance benefits in the event of death or bodily injury are paid for the proportion of the premium, medical expenses such as medicine, surgery, treatment or use of medical equipment, rental room, ambulance rental ... will be compensated according to the actual cost or the rate of the insured amount depending on the product of each company.

Also known as health insurance of business and profitable non-life insurance companies under the Law on Insurance Business No. 24/2000 / QH10 dated December 9, 2000 and the Amended Law. and supplement a number of articles of the Law on Insurance Business No. 61/2010 / QH12 dated November 24, 2010. Currently, there are many domestic insurance companies and foreign invested enterprises implementing this type of insurance.

Health insurance is profitable, not state-owned. The health insurance coverage is transnational. The premium rate will depend on the income of each individual who needs to participate in insurance. Therefore, the benefit rate will also be agreed between the buyer and the seller and proportional to the premium rate.

This type of insurance helps customers get the best health care with many outstanding benefits such as regardless of right or wrong line, public or private hospital, domestic or foreign; are paid according to actual cost and limit of each benefit for inpatient, outpatient, dental, maternity, organ transplant, cancer treatment benefits ...

In many cases, health insurance pays more benefits than health insurance. In addition, some health insurance products also guarantee hospital fees for patients. One example is Manulife Vietnam's "Gift of Health" product.

This solution provides additional hospital fee guarantee services in public and private hospitals, nationally and internationally. The maximum total benefit can be up to one billion dong a year with many options. Parents participating in life insurance can buy health insurance for their children under the same policy.

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