送交者: true 于 2005-12-30, 19:32:50:
回答: “确实存在这个问题，人们应该考虑购买商业保险。” 由 老中一号 于 2005-12-30, 19:23:48:
This is the situation five years ago when I left China.
All the medical insurance are included in life insurance, so the coverage is not good, and deductable is huge.
Insurance companies do not want to offer dedicated medical insurance. If they do, they will lose money. Think about it, if you have medical insurance, all your family members will go to see Doctor using your insurance, how can insurance make money?
The other issue is prescription drug. There are no real prescription drugs in China. You can buy any drug in drug store without prescripton.