There are also many small partners asking, is the price/performance ratio of the new e-treasure really that high? Is it really worth buying?
Next, the seniors will show you. Before we do it, let's take a look at the protection of millions of medical insurance:
"Super complete! Domestic popular millions of medical insurance comparison table "
1.How about the electronic insurance protection of PICC Health Care Company?
Let's take a closer look at the safety map:
According to the above protection chart, we can clearly know that the insurance age of this PICC health insurance e-protection product launched by the insurance company is 28 days to 65 years old, the protection period is 1 year, the waiting period is 30 days, and there is no renewal guarantee.
In addition, the maximum coverage of this health insurance electronic insurance is 2 million yuan, including hospitalization expenses, emergency medical expenses before and after hospitalization, special outpatient expenses and outpatient surgery expenses.
According to the guarantee content described above, we can clearly know that the guarantee of this PICC health insurance e-insurance product is quite common, and its shortcomings are also very prominent:
1, the proportion of general medical reimbursement is average.
There are two ways to reimburse the general medical expenses of this product:
First, through social security reimbursement, the reimbursement ratio can be100%; Second, if there is no social security reimbursement, the proportion of claims is 60%.
At present, there are many millions of medical insurance worth considering in the market, 80% can be reimbursed without social security, but only 60% can be reimbursed without social security, which is really unfriendly to people without social security.
2. The purchased drugs cannot be reimbursed.
Purchased drugs refer to drugs purchased outside the hospital, which have not passed through the hospital system, so they cannot participate in medical insurance reimbursement, and these drugs can only be paid by themselves.
However, the drugs commonly purchased in the market are specific drugs for treating major diseases.
Friends who have seen "Dying for Survival" know that a specific drug for leukemia in the movie is called Glinin. One of the patients said, "I was ill for three years. I ate 41,000 bottles of genuine medicine in three years. My house was eaten by me, and my family was eaten by me ..."
So the average family can't afford the cost of specific drugs.
Those excellent millions of medical insurance products on the market will be reimbursed if there is no accident, which can better reduce the family economic expenses of patients.
However, this kind of people's insurance e does not reimburse the purchased drugs, which becomes not so good.
3. There is no guarantee of renewal.
Under normal circumstances, the term of medical insurance products is 1 year. Upon the expiration of the guarantee, the contract shall be terminated.
If you want to renew the insurance again, you must re-examine the information after the contract is terminated. Generally speaking, whether the insurance company will choose to refuse or increase the premium after the insurance expires depends largely on whether the insured has a claim record or is in poor health.
So far, most of the better medical insurance on the market can be guaranteed to be renewed. For example, e-life insurance long-term medical insurance can guarantee a 20-year renewal.
Generally speaking, a good insurance product will not affect the renewal of insurance even if the insured makes a claim or his physical condition deteriorates during the guarantee renewal period.
However, China People's Insurance Company Health Xin E-insurance has no guarantee in renewal. This comparison exposes its shortcomings.
Regarding the renewal of medical insurance, we can understand clearly through this article:
What should I pay attention to when renewing medical insurance? An analysis! 》
Second, is PICC health letter E insurance worth recommending?
To explain this, people should know that PICC medical care is not worth buying.
From the overall level, the protection content of PICC Health Letter E-guarantee will be slightly inferior, and the shortcomings are indeed obvious, and the cost performance is relatively low, so it is not recommended that you start with this product.
If you can't stand the lack of friends like PICC Health E, you can consider the following millions of medical insurance products with high cost performance:
"Quick collection, the latest ten million medical insurance hit hard! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!