Hospital allowance insurance , supplemental major medical expense insurance , critical - illness insurance and so on in the commercial health insurance can play a very good supplement role 同時(shí),作為商業(yè)保險(xiǎn)中的一類重要業(yè)務(wù),健康保險(xiǎn)也越來越受到國內(nèi)各家保險(xiǎn)公司的青睞。
The major medical expense insurance can solve the problem of the high medical expenses , the market requirement is huge . now most companies have the health care which is the basic medical protection 現(xiàn)在大部分企業(yè)職工加入了城鎮(zhèn)職工基本醫(yī)療保險(xiǎn),基本的住院醫(yī)療費(fèi)用可以由基本醫(yī)療保險(xiǎn)解決。
The major medical expense insurance is one important kind of the supplemental medical expense insurance . the liability of this insurance is the reasonable and required medical expenses which are above the basic medical insurance payments 高額醫(yī)療費(fèi)用保險(xiǎn)是補(bǔ)充醫(yī)療保險(xiǎn)中的一種重要形式,它的保險(xiǎn)責(zé)任是對基本醫(yī)療保險(xiǎn)支付限額以上,合理必需的醫(yī)療費(fèi)用進(jìn)行補(bǔ)償。
Note : other matters that are not stipulated in this plan shall be governed by the ping an ' s one - year fixed insurance clause for the student , ping an ' s additional liability clause for accidental disablity , ping an ' s insurance cluase for additional student ' s accidental injury medical treatment , ping an ' s clause for the additional hopistalization medical treatment of the student and the children and the clause ( b ) for group major medical expenses insurance 注:未盡事宜以《學(xué)生平安一年定期保險(xiǎn)條款》 、 《平安意外殘疾附加責(zé)任條款》 、 《平安附加學(xué)生意外傷害醫(yī)療保險(xiǎn)條款》 、 《平安附加學(xué)生幼兒住院醫(yī)療條款》 《團(tuán)體高額醫(yī)療費(fèi)用保險(xiǎn)( b )款》的規(guī)定為準(zhǔn)。
Though the major medical expense insurance has broad potential markets , it ’ s not used widely in our country . certainly there are many reasons , include the social recognition , the problem of the legal aspect and the lack of the experience and data of medical insurance in commercial insurance company . however , the most important reason is the restriction of technique : medical insurance is different from life insurance , it needs finance , law , technique and medical management as basis to develop new products 雖然高額醫(yī)療費(fèi)用保險(xiǎn)擁有廣闊的潛在市場,但在實(shí)際經(jīng)營中仍然面臨諸多困難,其中有社會認(rèn)識的問題,有配套法律法規(guī)的問題,也有經(jīng)驗(yàn)和數(shù)據(jù)積累方面的問題,但更主要的還是精算技術(shù)上的制約:醫(yī)療保險(xiǎn)不同于普通壽險(xiǎn)產(chǎn)品,需要以金融、法律、科技、醫(yī)療管理等眾多學(xué)科為基礎(chǔ)來開發(fā)新險(xiǎn)種,而費(fèi)率厘定更有賴于大量的專業(yè)研究,需要充足的數(shù)據(jù)和周密的測算來支持。
medical expense insuranceとは意味:醫(yī)療保険{いりょう ほけん}、健康保険{けんこう ほけん} In the case of a female employee, her children will only be covered for medical expenses providing that her husband is not entitled for any medical benefits from his empl...