Good medical insurance deducts cash, and that medical insurance can only deduct medical expenses if there is medical care. You may not know much about good medical insurance. Let me give you a brief explanation.
Good medical insurance is a series of insurance of Alipay Ant Insurance, including good medical insurance? Long-term medical care is good for medical insurance? Hospitalization and medical insurance are good? Critical illness insurance and so on. Among them, good medical insurance and long-term medical care are the most famous and best-selling, but there are still many people who don't know much about this product.
Let's solve the problem that insurance requires a lot. If you want to know more about this product, you can take a look at my original evaluation:
First, good medical insurance? Long-term medical care is good for medical insurance? Is hospitalization the same?
People often think that these two kinds of insurance are the same. These two kinds of insurance are also millions of medical insurance, but they are underwritten by different companies, with different coverage contents, terms and amounts.
Good medical insurance? Long-term medical care is underwritten by PICC China, with a total insured amount of 4 million yuan, and general illness and accident medical insurance premium of 2 million yuan, which is guaranteed to be renewed for 6 years. No compensation for serious illness, other diseases for 6 years 1 0,000.
And good health insurance? Hospitalization is underwritten by Zhongan Insurance, with a total premium of 6 million, and general illness and accident medical insurance premium of 3 million, with no renewal guarantee. In terms of deductible, 0 yuan is exempt from serious illness compensation, and the general medical deductible is 1 000.
Which one do you want to buy depends on yourself, whether you want high insurance coverage or you can guarantee renewal. If you have money, you can buy two if you want, and there is no conflict.
Second, good medical insurance? Can I be reimbursed for long-term medical treatment as long as I am hospitalized?
Whether it is good medical insurance, long-term medical care or good medical insurance hospitalization, it is reimbursement of medical insurance. But this does not mean that you can be reimbursed as soon as you are hospitalized, and you can only be reimbursed if you exceed the deductible. Good medical insurance? The hospitalization fee is 10 thousand, but good medical insurance? The deductible for long-term medical treatment for 6 years can be 1 0,000.
In this regard, good medical insurance and long-term medical care are indeed good, and many medical insurances are indeed rigid in this regard. You spent 8,000 yuan in the first year and failed to reach the deductible of 1 1,000 yuan, so you will not be compensated; In the second year, it cost 9000 yuan, but it didn't reach 1000, and the insurance company still didn't pay for it. Relatively speaking, good medical insurance and long-term medical insurance are more friendly to customers and lower the threshold for customers to claim compensation.
Third, good medical insurance? What about long-term medical insurance? What's the difference between after the upgrade and before?
The question most frequently asked by many netizens is: What about good medical insurance and long-term medical insurance? What happened after the upgrade? Wait a minute. Let's talk about the upgraded long-term medical care by comparing the old version. Is it worth buying?
Draw a direct conclusion:
The biggest advantage of this insurance is that the renewal conditions are good: within 6 years, whether the health condition is worse or the claim has been made before, the insurance can be renewed without further review.