It is an indisputable fact that the commercial insurance of the United States is indeed more developed than the domestic commercial insurance. If you have bought a critical illness insurance in China, the insurance broker will proudly say that there are more than 40 kinds of diseases covered by us. But if you look at the relevant insurance terms of the United States, you will know who is more powerful. Because there is no specific name of the disease, it is OK for the doctor to say that it is an incurable disease or a major disease. So there is no specific restriction that is the biggest covered.

This rider also varies from one insurance company to another. It depends on the products of each company.

There is also a "special" risk called "long-term care" in the United States. I haven't heard of it in China. But it's very important in the United States.

First, no matter where you live, statistics show that one in three people needs long-term care.

And the cost of long-term care in the United States is really expensive, and the cost of living in an ordinary nursing home is 300 dollars a day! What's even more tragic is that this cost of medical insurance is not covered, only a white card can be. Therefore, if any child is ready to retire in the United States in the future, long-term care insurance is almost necessary. This insurance can be purchased separately or as a rider add-on to life insurance. This varies from company to company. As for whether it is better to buy it separately or buy life insurance and then attach this function, this should be based on the specific situation of the individual.

Speaking of which, I have to say that there are always some people, in the era of the Internet and the development of information technology, who still think that the moon abroad is rounder than the domestic one.

Rice insurance does have its advantages.

Just to give a few examples.

Let's start with the cost.

Taking Washington, the capital of the United States, as an example, according to the figures released by the Population Bureau of the United States in 2005, the median annual household income in the Washington metropolitan area of the United States is $89,300, and the average monthly income of the average family is 7,741 yuan. Medical insurance premiums are generally borne by the unit and 20 percent by the individual, and about the average monthly deduction of about $120 per family from the payroll for medical insurance, and the cost of medical insurance accounts for 1.5% of the family income. Doesn't seem like a lot? Indeed, if you just look at the numbers, it's really not much.

The second is the poor and the elderly, since the Clinton era, the topic of health care system reform in the United States has been one after another, and it has not stopped. One of the most important focuses is that due to the high cost of medical insurance, many people in the United States cannot afford insurance. Some people will surely ask, how is the medical insurance arranged for low-income Michigans or retired elderly people? There are two types of national health care benefits for the elderly, known as Medicare, and for low-income Americans, called Medicare.

"Medicare for the Elderly", there is an age limit for applying for Medicare for the Elderly: you must be at least 65 years old to be eligible for Medicare for the Elderly. There are no restrictions on income and assets to participate in this program. In other words, millionaires and working-class retirees are eligible for Medicare for the Elderly, and once approved, they are generally entitled to a lifetime of benefits. Another type of health care program for low-income families and individuals is the responsibility of the state government, and this type of program is called "medical supplementary insurance." There are certain restrictions on applying for this type of insurance. According to the World Journal, a Chinese newspaper published in New York, in New York State, for example, single workers must earn less than $692 per month and have assets below $4,150 to be eligible for the government Medicaid program. However, the assets here do not include cars and housing, and the sum of the accounts that refer only to the various bank deposits must not exceed more than $4,000. In other words, if you apply for "medical supplementary insurance" provided by the government, as long as your monthly salary is not high enough and you do not have a lot of money in the bank, you can apply for medical insurance, and there are no restrictions on what kind of car you own and what kind of property you own.

Looks pretty good, doesn't it?

In terms of emergency assistance, the hospital implements a system that does not distinguish between rich and poor. In other words, when you go to the emergency room in the United States, you only need to make a phone call, and the ambulance will roar to you, and then the first responder will pull the patient to the emergency room in an ambulance. Hospitals in the United States are committed to the principle of saving lives and helping the wounded, and no matter what happens, it is important to save people first. Even if the person who is pulled into the emergency room is an illegal immigrant with no income and no status, the medical and nursing staff in the emergency room of the hospital are not allowed to inquire about the patient's immigration status and will not report to the immigration department revealing the applicant's immigration status.

Officials with the Department of Homeland Security also do not have access to medical and personal information about patients. According to the federal EMTALA law, the emergency room of any hospital cannot remove a patient who needs medical attention or refuse medical assistance because it is unable to pay for medical treatment or because it is an illegal immigrant. In addition, according to relevant experts, the medical expenses accumulated during the period of illegal immigration or the period of lack of legal status do not need to be reimbursed when they become naturalized citizens of the United States or obtain legal status;

Pretty good, isn't it?

It's very good, after all, the United States is a developed country, and it is currently the only superpower on the planet, sucking blood on a global scale to ensure some welfare of their own citizens.

However, we should not look at the problem one-sidedly, but first look at the cost.

When buying medical insurance in the United States, you must pay attention to two concepts, one is called Copay (co-payment ratio) and the other is called Deductible (self-pay part). Copay is calculated on a pro-rata basis, if 20% of Copay means that you will have to bear 20% of the cost of the medical treatment, and the insurance company will bear 80%. Deductible represents what the net cost of the visit is out of pocket.

If $2,000 a year is deductible, it means that as long as the cost of medical treatment this year does not exceed $2,000, all the expenses will be paid by yourself, and the excess will be paid by the insurance company. Deductible has a higher priority than Copay, which means that the out-of-pocket portion is deducted first, and then the remaining percentage needs to be paid by yourself. The relatively low cost of some insurance products does not mean that this kind of insurance is very favorable, you must pay attention to its Copay and Deductible respectively.

If it is 20% Copay plus $2,000 a year of Deductible, the price of such insurance is definitely relatively low, but once you need to see a doctor, the deductible is very high. For example, this year's total medical expenses are $10,000, first subtract the $2,000 out-of-pocket part, and then subtract the remaining $8,000 20%, $1,600, and you will have to pay a total of $3,600. In fact, if it is only a total medical fee of $10,000 and you pay $3,600, you can still afford it, but if you need to be hospitalized for surgery, you will have to pay a lot of money if you buy such insurance.

If the medical expenses are unusually large, do you have to pay a very large amount of money year-on-year? Each plan has a cap, such as $100,000, which means that you must pay no more than $100,000 out of pocket for the year, no matter how high the medical expenses. Otherwise, you can only hehe.

Another example is the first aid problem, it is a drop, it is a phone call out, and an ambulance is whistling. But there is a very real problem here, and that is the cost of ambulances. Hospitals have laws about what to do and what to do, but that's not the case with ambulances. There are often some families whose family is not very well-off, because they go bankrupt after calling an ambulance, and they ask if you are afraid? The cost of medical care in China and ambulances is not high, and basically individuals can afford it. As for seeing a doctor, it basically ensures that everyone can see a doctor, even if you look at the expert number, it may not be expensive.

The United States is not the case, the public hospitals in the United States can pay 2,000 yuan according to the above, and the rest is paid by the insurance company, etc., but the problem is that the problem of difficulty in seeing a doctor in public hospitals is the most realistic problem, you are sick now, go to register, okay, wait, queue for three months. It is not unheard that a minor illness has become a major illness, and a major illness has been dragged to death directly. If you want to go directly to see a doctor, yes, go to a private hospital, but whether the insurance covers the relevant hospital is another story. Only the truly wealthy who are willing to spend a lot of money on expensive medical insurance can enjoy the preferential treatment of timely treatment in large hospitals.

Ordinary people really think that it is so easy to enjoy treatment in a big hospital? What do community hospitals and family doctors do?

And here's another interesting question, community hospitals and family doctors, in general, won't prescribe medication to you. Especially if there are antibiotics, it is impossible to prescribe them to you. If you have a cold or a fever, the doctor's most advice is to let you keep it yourself, drink plenty of water, and carry it yourself. I can't bear it, so let's go to the public hospital and line up.

This is the reality of medical care in the United States.

In reality, what's the use of insurance no matter how bad it is?

Why did Oguanhai carry out medical reform after he came to power? If the medical system in the United States can really cover every citizen and provide truly timely and effective treatment, why should it be reformed? In the final analysis, there is still a problem with the medical system itself, and this problem is not easy to solve, so Oguanhai will use the power of the president to carry out the reform of the medical system after taking office. What is even more interesting is that even if the power of the president is used to promote this matter, the results are still not very impressive.

On the other hand, in China, the medical system that benefits everyone is really good.

There are always people who like to pick thorns, but they never consider the size of the country and the development time.

"Per capita" is really a very tricky word, there are more than one billion people in China, and the population is several times that of the United States, in the absence of people's ability to suck blood globally, to ensure that medical treatment benefits everyone, to be honest, Zhou Fangyuan can't think of any other country on the planet that can do better. As for the so-called high-welfare countries in Northern Europe, first of all, taxes can scare people to death, and secondly, people have fewer families, and a country is not as many people as you are in a province, how can it be compared?

Ahem...... It's too far to gossip.

Zhou Fangyuan chatted with Wang Zimu, and the main content of the chat was insurance, after all, Wang Zimu was in the insurance industry.

And he said so much to Zhou Fangyuan today, in the final analysis, he still hopes to get financial support.

Of course, Huatai is not short of money, well, it can't be said that there is no shortage of money at all, in fact, no company dares to say that it really does not lack money to spend, even if it is a distant group, it seems that the family is big, and it is about to spend money, it is also afraid. Huatai, there are more than 50 large and small shareholders, including many enterprises with national prefixes, and some well-known enterprises in China and even in foreign countries. But why do we need to seek the support of Yuanfang Group? It's very simple, because Yuanfang Group represents the emerging Internet industry in China.

Huatai company involved in a lot of fields, Huatai's 50 shareholders are mostly strong, large-scale, good efficiency of large enterprises and enterprise groups, covering including electric power, electronics, machinery, petroleum, chemical, metallurgy, non-ferrous metals, construction, building materials, coal, shipbuilding, aviation, railway, transportation, forest, pharmaceutical, light industry, tobacco, textile, real estate, tourism, trade, materials, grain storage and transportation and other 24 industries. However, there is no Internet here. This is not right, a company, if it wants to become bigger and stronger, it should expand its coverage as much as possible. Don't seek specialization, but at least have a sense of presence.

The Internet is an emerging industry, Internet companies are a group of emerging forces, and now all kinds of enterprises are seeking opportunities to enter the Internet, and Huatai is no exception.

Considering the good cooperative relationship with the Yuanfang Group, and considering their private personal relationship, it is actually natural for Wang Zimu to have such an idea. Moreover, Huatai also has its own advantages, and good asset management capabilities are an important part of Huatai's core competitiveness. Huatai Asset Management Co., Ltd. has a professional investment project management team. The use of funds has achieved remarkable results, and the operating performance of bonds has maintained a leading position in the national financial market. In 2001, Huatai was recommended by the Ministry of Finance and approved by the National Social Security Fund Council, becoming the first social security fund treasury bond underwriter in the insurance industry.

Therefore, if you can cooperate with Yuanfang Group, it is really a strong alliance.

From Zhou Fangyuan's point of view, this is also an opportunity, an opportunity for Yuanfang Group to get involved in the financial industry. The water in the financial industry is really too deep and too deep, no matter how brave the swimmer, it means that if you drown, you will drown, and you will not be given a chance to resist at all. Only by getting on a big boat, preferably a top-of-the-line cruise ship, can you guarantee your safety. Huatai cannot be regarded as a top cruise ship, but the volume is not small. No matter how big the financial cruise ship is, people may not be willing to play with the Yuanfang Group, so Huatai here is also a good opportunity for the Yuanfang Group.

There is still a lot of specific work to be done, but the verbal intention was basically determined by the two in today's meeting.