0 1 fosun joint advantage guarantee content
Fosun Gold Million Medical Insurance is divided into Plan I and Plan II, and the differences between them are as follows:
1) Deductible: Plan I has a low deductible of only 5,000 yuan, while Plan II has 1 1,000 yuan;
2) Allowance for infectious diseases such as COVID-19: 5,000 yuan for Scheme I and 0/1,000 yuan for Scheme II;
3) Optional children's specific serious illness allowance: 5000 yuan for scheme I and 654.38+0.000 yuan for scheme II;
4) Premium: Option 1 is much more expensive than Option 2.
Let's take a detailed interpretation of the basic guarantee of Fosun's joint advantage insurance:
1, general medical security
3 million medical reimbursement insurance, deductible according to the protection plan.
The scope of medical reimbursement expenses includes outpatient and emergency expenses before and after hospitalization, special outpatient expenses, outpatient surgery expenses and general hospitalization medical expenses.
2, serious illness hospitalization medical security
108 kinds of serious diseases, 6 million insured amount, 0 deductible, and the reimbursement scope of hospitalization expenses for serious diseases is the same as that of general medical care.
3, COVID-19 and other infectious diseases and critical diseases protection.
The specific transmitted diseases are divided into two categories: category A is plague and cholera; Category B is COVID-19, SARS and bird flu.
If the insured is diagnosed with the above infectious diseases, he will immediately receive the compensation of RMB 5,000/1 1,000 as agreed in the contract.
4. Child vaccination/general accident hospitalization allowance (optional)
Accidental hospitalization allowance for children vaccinated, one day in 200 yuan, up to 30 days;
Children's general accident hospitalization allowance, one day in 200 yuan, up to 30 days.
5, children's specific serious illness protection (optional)
For 18 kinds of children's special diseases, according to the different protection plans, a subsidy of 5,000 yuan/10,000 yuan will be given respectively. The specific children's special diseases are as follows:
However, children's specific critical illness protection and infectious disease allowance can only be paid 1 time, that is, the next year's renewal can not be guaranteed after payment.
1, reimbursement scope
Not limited to social security, the part after social security reimbursement is 100%, and the part not used for social security reimbursement is only 60%.
Hospitals are restricted to public hospitals with level 2 or above.
2, renewal conditions
There is no need to review the renewal of insurance, even if the insured's health notice changes or claims have been made, it can be renewed.
However, because the premium of one million medical insurance is one million medical insurance, the term is 1 year, and the renewal is not guaranteed. The longest renewal can be 105 years old.
3. Value-added services
The value-added services of medical insurance with premium of one million yuan include green link for medical treatment, proton heavy ion 100% reimbursement, purchased drugs, medical expenses advance payment and other value-added services. , value-added services are complete.
4. Health notification
As mentioned above, the biggest highlight of Fosun's joint premium insurance is the loose health notification. Let's take a closer look:
Thyroid nodules: some grades 1-3 can be insured normally;
Breast nodules: normal insurance can be applied after operation 1 year, except 1 year;
Hyperthyroidism (cured): 2 years after the end of treatment, normal insurance; Less than 2 years after the end of treatment, except for underwriting;
Hepatitis B virus carrying: except underwriting;
Hepatitis B is a small sanyang: except for underwriting;
It can be seen that the above-mentioned common diseases can basically be insured, and some diseases can also be insured normally, such as thyroid nodules and breast nodules.
If you can't buy millions of medical insurance because of health problems, you can try this product.
How about Fosun United Advantage Insurance?
Let's compare several popular millions of medical insurance on the market and see how Fosun United Superior Insurance works.
From the perspective of premium price, superior insurance has great advantages. No matter whether you are 0 years old or 30 years old, the rate is the cheapest at present.
If we pursue comprehensive protection: everyone enjoys e-life 2020?
Including 12 1 rare diseases, all kinds of protection are available, which is the most abundant one among millions of medical insurance.
If you pursue warranty renewal: Fosun United beyond warranty?
Fosun Transcendence Insurance, like superior insurance, is divided into Plan I and Plan II according to the different guarantees. The contrast in the picture is scheme one. ..
Beyond insurance and micro-medical insurance are similar in long-term medical insurance, but beyond insurance is better than micro-medical insurance in terms of protection details. ?
For more millions of medical insurance, please see my previous article: What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
Let me summarize.
After reading these contents, do you think Fosun Joint Premium Insurance is worth insuring?
In fact, the role of medical insurance is mainly to solve the problem of medical expenses, which is an important supplement to social security.
When choosing medical insurance, we can't just look at the routine contents such as guarantee responsibility, price, exemption clause and renewal clause.
It also depends on the stability of the product, that is, the renewal conditions of the product and the risk of stopping selling.
And millions of medical insurance usually only needs a few hundred dollars a year, so you can easily have millions of insurance coverage. As a supplement to medical insurance, it should be given priority.
On the whole, Youbao is still worth buying millions of medical insurance. ?