Medical insurance for specific drug costs: up to 5,000 yuan.
Drugs: drugs and over-the-counter drugs issued by specific network medical institutions.
Deductible: zero yuan.
Expense reimbursement ratio: 70%.
One-time claim amount: 350 yuan.
The frequency of claims is limited: up to 3 times a month;
Note: Malignant tumor, heart disease (heart failure above Grade II), myocardial infarction, septicemia, hypertension (above Grade II), ascites due to cirrhosis, chronic obstructive emphysema and bronchitis, cardiovascular and cerebrovascular diseases, chronic renal diseases, diabetic patients, aplastic anemia, congenital diseases, mental illness or schizophrenia, epilepsy, HIV and sexually transmitted diseases.
Personalized service: direct medicine supplement, video consultation, JD.COM distribution and efficient medicine delivery.
Judging from the renewal conditions:
The insurance period of this product is one year, and the guarantee renewal is not supported. The renewal needs to be re-examined. If the insured claims or changes in health status during the insurance period, it may affect the renewal of insurance, and there is also the risk of suspension of sales, and the stability of the product is not strong.
Summary: This product has complete security and value-added services, but the medical security is general, and the renewal conditions are not very friendly. Overall, the cost performance is not high.