富二代破解版安卓版下载

       補(bu)貼(tie)型(xing)(xing)醫(yi)療保(bao)險(xian)又稱(cheng)津貼(tie)型(xing)(xing)醫(yi)療保(bao)險(xian)。保(bao)險(xian)公司按(an)照合同規定補(bu)貼(tie)標準，對投保(bao)人進行賠付(fu)的(de)(de)(de)(de)保(bao)險(xian)。申請理賠時，無(wu)須提(ti)供(gong)費(fei)(fei)用發生(sheng)的(de)(de)(de)(de)相關票(piao)據原(yuan)件。如果您已(yi)參加(jia)了社(she)保(bao)，想以商業醫(yi)療險(xian)作為(wei)補(bu)充手(shou)段，以轉嫁需自費(fei)(fei)負擔的(de)(de)(de)(de)部分醫(yi)療費(fei)(fei)或分擔因住(zhu)院、手(shou)術造(zao)成的(de)(de)(de)(de)收入損失，那(nei)么，補(bu)貼(tie)型(xing)(xing)醫(yi)療保(bao)險(xian)就是一種不(bu)錯(cuo)的(de)(de)(de)(de)選擇。
       補(bu)貼型(xing)醫(yi)(yi)療(liao)(liao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)又(you)稱津貼型(xing)醫(yi)(yi)療(liao)(liao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，是(shi)因(yin)意外傷害或疾病(bing)導致收(shou)入(ru)(ru)中斷或減少(shao)時(shi)，由保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司提供(gong)補(bu)償的收(shou)入(ru)(ru)保(bao)(bao)(bao)(bao)障型(xing)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。通俗講是(shi)一種無(wu)論實際(ji)治療(liao)(liao)花多少(shao)錢(qian)，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司都按照合同規定補(bu)貼標準，對(dui)投保(bao)(bao)(bao)(bao)人(ren)進(jin)行賠付的保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。因(yin)此(ci)申(shen)請理賠時(shi)，無(wu)須(xu)像報銷型(xing)醫(yi)(yi)療(liao)(liao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)那樣，要(yao)(yao)提供(gong)費(fei)用發生(sheng)的相關票據(ju)原件。在(zai)目前市面上，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司推(tui)出的補(bu)貼型(xing)醫(yi)(yi)療(liao)(liao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，主要(yao)(yao)有按住(zhu)(zhu)院(yuan)天數累(lei)積(ji)給(gei)付的住(zhu)(zhu)院(yuan)補(bu)貼型(xing)醫(yi)(yi)療(liao)(liao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，以及(ji)向接受手術者(zhe)提供(gong)的手術費(fei)用補(bu)貼型(xing)醫(yi)(yi)療(liao)(liao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。
       補(bu)貼(tie)型(xing)(xing)醫療(liao)(liao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)分為1年(nian)(nian)期(qi)、終身(shen)(shen)型(xing)(xing)及介于兩者(zhe)間的(de)定(ding)期(qi)型(xing)(xing)（如10年(nian)(nian)、20年(nian)(nian)期(qi)）。1年(nian)(nian)期(qi)補(bu)貼(tie)型(xing)(xing)醫療(liao)(liao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)最大(da)(da)優(you)點(dian)在(zai)于其靈活，投保(bao)(bao)(bao)(bao)(bao)人(ren)(ren)可(ke)根據自(zi)身(shen)(shen)需求(qiu)，選擇保(bao)(bao)(bao)(bao)(bao)障額度(du)；而缺點(dian)在(zai)于需每年(nian)(nian)續保(bao)(bao)(bao)(bao)(bao)，一旦(dan)發生重(zhong)大(da)(da)疾病(bing)，以后年(nian)(nian)度(du)續保(bao)(bao)(bao)(bao)(bao)難度(du)會隨之增加；這類保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)的(de)保(bao)(bao)(bao)(bao)(bao)費也會因被保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)年(nian)(nian)齡(ling)的(de)增大(da)(da)而逐年(nian)(nian)上升。
       對終身的補貼型醫療保險，保險公司一般采用平準保費，即保費不會隨被保險人年齡增長或身體狀況變化而增加，且不存在中途保險公司提高保費或拒保現象，可對被保險人生存期內的疾病進行重復理賠。正因為有這樣的優點，使得終身的補貼型醫療保險的費率較高。

       補貼型醫療保險的特性，使其成為不用看社保“臉色”的醫療保險，它的理賠與被保險人花多少住院費或手術費無關，保險公司不會深究所花費用哪些是社保范圍內、哪些又是社保外的。如果當前您已參加了社保，只是想以商業醫療險作為補充手段，以轉嫁需自費負擔的部分醫療費或分擔因住院、手術造成的收入損失，那么，補貼型醫療保險就是一種不錯的選擇。



? ?