The big company effect, plus a lot of aura, many people are very excited about this product.
Those who are interested in China Ping An Life Insurance Company of China Insurance Company can look at this article in detail, and the senior sister will not introduce it too much here:
How about China Ping An Life Insurance Company of China Insurance Company? What product? What pit routines are there?
Let's focus on, how about 202 1 Ping An I have no worries about medical insurance, and whether it is worth starting with.
1.202 1 What are the advantages and disadvantages of safe and worry-free medical insurance?
202 1 The contents of Ping An's worry-free medical insurance are arranged as follows. Let's take a look first.
202 1 ping an I worry-free medical insurance is an upgraded version of ping an I worry-free medical insurance, which mainly includes diagnosis insurance and treatment insurance for malignant tumor and carcinoma in situ.
Let's take a look at the advantages of 202 1 Ping An's worry-free medical insurance:
1, with a wide age range.
In fact, many medical insurances have strict age limits, and it is difficult for people over 60 to buy a suitable medical insurance.
202 1 Ping An My Worry-Free Medical Insurance has a relatively large age range, even if it is 70 years old, it is within the scope of insurance, which is very reliable for the elderly who want to insure.
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, so people with "three highs" can also be insured.
"Three highs" refers to hypertension, hyperglycemia and hyperlipidemia, which are relatively common diseases. "Three highs" often bring very terrible complications. Therefore, most insurance companies will assess risks and refuse to underwrite.
202 1 peace, my worry-free medical insurance is worthy of everyone's affirmation.
At this point, there should be many consumers who want to insure 202 1 ping an I worry-free medical care.
However, I think we can be more cautious and draw a conclusion after understanding the shortcomings of 202 1 Ping An's worry-free medical insurance.
Frankly speaking, even though 202 1 Ping An I Worry-Free Medical Insurance is a brand-new and improved product, compared with the previous I Worry-Free version, this upgraded version has not greatly improved the protection.
The defects of the past still exist:
1, the renewal fee is unstable.
202 1 The most critical defect of Ping An's worry-free medical insurance lies in the instability and insecurity of renewal.
Guaranteed renewal is a condition of insurance company's commitment to customers. During this period, the product stopped selling and the claim was settled, and the health condition of the insured became worse, which would not affect the renewal of insurance.
Most excellent anti-cancer medical insurance on the market is guaranteed to be renewed. Just like Sunshine Shennong's 6-year cancer medical insurance, it not only allows the "three highs" people to be insured, but also provides a 6-year guarantee renewal service.
For some elderly friends who are difficult to buy suitable health insurance, Sunshine Shennong's six-year cancer medical insurance can save a lot of effort.
2. The deductible is high.
202 1 ping an I worry-free medical insurance has three deductible plans, with a maximum deductible of 30,000.
Deductible refers to the amount that the insurance company is not responsible for compensation.
For example, the insured is hospitalized with cancer, and the first treatment cost100000. After the medical insurance helps us to bear part of the expenses, the remaining medical expenses need to be reimbursed by the insured after deducting the deductible of 30,000 yuan, and then passed the 202 1 Ping An I Worry-Free Medical Insurance.
The following article explains the deductible in detail for everyone:
What is the deductible? The lower the deductible, the better?
30,000 yuan is not a small sum for a cancer family. For this, senior sister thinks that 202 1 peace is not good for me to have worry-free medical insurance.
3, there is no proton heavy ion guarantee
Proton heavy ion protection is the most commonly used means of tumor medical treatment at present, but it is difficult to make an appointment and the medical expenses are not low.
Some anti-cancer medical insurance on the market provide proton heavy ion protection, which can reduce the pressure of cancer families, such as lifelong anti-cancer insurance in Cai Jing. And this kind of protection is exactly what 202 1 Ping An I have no worries about medical insurance lacks.
After comparison, 202 1 Ping An I have no advantage in worry-free medical insurance.
Second, is 202 1 ping an I worry-free medical insurance worth buying?
In the final analysis, the most outstanding point of 202 1 Ping An I Worry-Free Medical Insurance is that its insurance requirements are not high, and the underwriting rules are very friendly to the "three highs" groups. People with "three highs" can consider it.
But at the same time, we should also pay attention to this point-2021Ping An I Worry-Free Medical Insurance does not provide guarantee renewal service. Suppose we want long-term security, I suggest you think about it before you start.
Because under the same conditions, we can have a better choice.
The most comprehensive cancer risk assessment is here. Come and have a look:
How about anti-cancer insurance, how to start, where to start, and analyze and evaluate it in many aspects.
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