This big company effect, a product with many auras, has attracted many people's attention.
I don't need to elaborate on the advantages of China Ping An Life Insurance Company of China Insurance Company. If you want to know more, you can look at the explanation of this article:
China Ping An Life Insurance Company of China insurance company is good or bad, what product quality is better, and the means to dig deep.
Let's discuss how to treat 202 1 Ping An I have no worries about medical insurance protection, or whether to buy it or not.
1.202 1 What are the advantages and disadvantages of safe and worry-free medical insurance?
I listed the contents covered by 202 1 Ping An's worry-free medical insurance. Let's have a look.
202 1 ping an I worry-free medical insurance is more advanced than the version of ping an I worry-free medical insurance, that is, its upgraded version. Simply put, anti-cancer medical insurance and anti-cancer insurance are short for medical insurance and critical illness insurance. Only malignant tumor and carcinoma in situ are covered.
The following is the evaluation of the elite version. If you are in a hurry, you can take a look first:
These defects still exist after the new upgrade of 202 1 ping an I have no worries medical insurance. ...
Below, I will take you to understand the advantages of 202 1 Ping An I have no worries about medical insurance:
1, with a wide age range.
In fact, many medical insurances have strict restrictions on age. For example, over 60 years old, it is more difficult to buy suitable medical insurance.
202 1 ping an I worry-free medical insurance has a wider age range and fewer restrictions. Even if you are 70 years old, you are covered and friendly to the elderly.
2. The insurance threshold is low.
202 1 ping an I worry-free medical insurance continues the advantages of the old version I worry-free, and the underwriting conditions are relatively loose. Even the "three high" patients are covered by this insurance.
Hypertension, hyperglycemia and hyperlipidemia are common diseases in daily life, collectively referred to as "three highs". The terrible thing about "three highs" is that it usually leads to more serious complications.
Insurance companies will consider risks when underwriting, and the three high-risk groups are generally the objects they refuse to insure.
202 1 ping an I worry-free medical insurance for human beings is also worthy of human recognition.
At this point, there should be many consumers who want to insure 202 1 ping an I worry-free medical care.
However, I still feel that I need to be cautious when buying, and I will make a decision after I understand the defects of 202 1 Ping An's worry-free medical insurance.
To tell the truth, although 202 1 Ping An Worry-Free Medical Insurance is an optimized product, it is worry-free compared with the old version and has not been upgraded in terms of protection.
The defects of the past still exist:
1, the renewal fee is unstable.
202 1 ping an I worry-free medical insurance the main problem is that the renewal is unstable, and the renewal is not guaranteed.
Guaranteed renewal is a contract signed between an insurance company and a consumer, which guarantees that during the renewal period, the insurance will be unconditionally renewed according to the original rate table, and it will not affect the renewal no matter whether the product is discontinued, the claim has been settled or the health condition has deteriorated.
Most excellent anti-cancer medical insurance on the market can guarantee renewal. For example, Sunshine Shennong's 6-year cancer medical insurance not only allows the "three highs" people to be insured, but also provides a 6-year guarantee renewal service.
Because the elderly are older, it is difficult to buy suitable health insurance, but for the elderly, Sunshine Shennong 6-year cancer medical insurance provides medical insurance to guarantee renewal services, which is very reassuring.
2. The deductible is high.
202 1 ping an I worry-free medical insurance it has three deductible plans with a maximum deductible of 30,000 yuan.
What do you mean by deductible? Deductible, as the name implies, is the amount that the insurance company "does not pay"
In other words, suppose the insured is hospitalized for cancer and pays the first medical expenses of 65,438+10,000 yuan. After the medical insurance reimburses a certain percentage of the money, the insured needs to pay a deductible of 30,000 yuan for the extra medical expenses in order to go through the reimbursement process of 202 1 safe and worry-free medical insurance.
It is really difficult for a family to spend 30 thousand yuan on cancer treatment. Only for this reason, senior sister is willing to blacklist 202 1 Ping An I have no worries about medical insurance.
3, there is no proton heavy ion guarantee
Proton heavy ion protection is the most useful cancer diagnosis and treatment technology at present. Besides making an appointment, it costs a lot of medical expenses.
In order to solve the medical pressure of cancer families, many anti-cancer medical insurances in the market provide proton heavy ion protection, such as Cai Jing lifelong anti-cancer insurance and 202 1 Ping An I have no worries medical insurance.
In contrast, 202 1 Ping An I have no worries about medical insurance is slightly inferior.
Second, is 202 1 ping an I worry-free medical insurance worth buying?
In a word, the best thing about 202 1 Ping An I Worry-Free Medical Insurance is that the insurance threshold is not high, and the underwriting rules are very friendly to the "three high" groups, even the "three high" groups can be considered.
At the same time, we should pay more attention to this point. 202 1 ping an I worry-free medical insurance, renewal is not guaranteed. Assuming a long-term guarantee, this product may not be worth insuring.
The reason is that under the same premise, we can pick a better one.
Senior sister has also done cancer insurance assessment before. Come and have a look:
What is cancer insurance, how to buy it, which is good, comprehensive analysis, comparative evaluation.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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