Products are hot, and insurance companies are naturally not to be outdone, and they have made great efforts to develop their own million-dollar medical insurance.
But to be honest, millions of medical insurance on the market are mixed.
It is easy to fall into the pit if you are not careful.
So some time ago, we invited friends to do a great thing together.
Collect the millions of medical insurance that everyone cares about most, and make a latest, most comprehensive and objective list of millions of medical insurance evaluation in 2020!
Reading insurance is more professional than selling insurance!
Here, I apologize to you first, because there are too many product terms (blind)
), the evaluation has not been completed.
But fortunately, I can finally hand in my homework today!
After listening to the opinions of all parties, in the end, 25 million medical insurance was lucky enough to be nominated.
See who is the real king and who is fishing in troubled waters!
Not much to say, dry goods
What should I pay attention to when choosing millions of medical insurance?
Millions of medical insurance is not expensive.
A 30-year-old adult with social security can buy more than one million yuan of social security only by 300 yuan every year.
Therefore, the price is not the main consideration for us to choose millions of medical insurance.
In the face of so many millions of medical insurance, how to choose?
I summed up five criteria for choosing millions of medical insurance:
Incomplete coverage, sufficient coverage, inability to renew coverage, high deductible and no value-added services.
The first three elements are usually the magic mirror of a product, and you can find the hidden pit of the product!
The latter two elements, if performed well, are very good points and can make a product shine.
Below, we will combine the 25 products previously nominated one by one.
1. The guarantee is incomplete.
This depends on the fundamentals of a product.
After all, as medical insurance, at least the main medical expenses are reimbursed, so there must be some items.
Normal million medical insurance can usually be reimbursed in four parts:
General hospitalization, special outpatient service, outpatient surgery and outpatient and emergency services before and after hospitalization.
The insurance part must look good. As long as it is the responsibility stipulated in the contract, the insurance company will pay.
But if the contract is not written, there is nowhere to cry.
This has nothing to do with which insurance company, but with the responsibilities stipulated in this contract.
But some products are really not so honest, and they stumbled from the beginning.
Especially the responsibilities of outpatient surgery and emergency department before and after hospitalization.
Outpatient surgery refers to the operation that leaves on the same day without hospitalization.
For example, breast fibroma resection, cataract surgery, fracture external fixation removal (Kirschner wire, external fixator), abscess incision and drainage, etc.
Now the medical technology is very mature, coupled with the shortage of medical resources, I am afraid that there will be more and more use scenarios of outpatient surgery in the future.
However, Fude Life Love (20 19) and Allianz Cai Jing Lifelong (2020) did not have outpatient surgery.
Outpatient emergency before and after hospitalization refers to some examination, diagnosis and treatment before and after hospitalization.
For example, when we went to see a doctor, the doctor said we needed to be hospitalized, but there were no beds for the time being.
It costs money to go to the hospital for examination, laboratory tests and treatment these days.
It costs money to go back to the hospital for reexamination and testing. After discharge.
The mainstream million medical insurance can usually reimburse the medical expenses for 7 days before hospitalization and 30 days after hospitalization, but some products only cover 7 days before and after hospitalization and evaporate for 23 days.
For example, Yi Kangyue C, Tianan and other national lives are healthy and easy to enjoy.
Other products are not directly guaranteed, such as sunshine life fusion C.
Such problematic products are generally not recommended as the first choice.
2. Is the insurance coverage sufficient?
This is the "dark pit" of the product.
Millions of medical insurance, it seems that the coverage is very high.
But you don't know that if you encounter a "limited" product, the amount you can actually quote will be greatly reduced.
For example, Taikang Health enjoys a series of medical insurance.
In Sur
Metropolitan (20 17) limits the fees for cancer-targeted drugs and related genetic testing and outpatient surgery to no more than 30% of the annual insurance amount.
The outpatient expenses of AIA Zhixuan Kang Hui (20 19) for outpatient surgery, radiotherapy and chemotherapy, anti-rejection treatment after organ transplantation and targeted drugs in outpatient service do not exceed120,000 yuan, even for serious diseases, it does not exceed 240,000 yuan.
You have to pay for the excess.
When you encounter similar products, try to avoid them if you can.
3. Can I renew my insurance?
This point, look at the core of millions of medical insurance.
Millions of medical insurance, the biggest uncertainty lies in:
I bought it this year. Can I buy it next year?
For example, if you buy insurance to detect cancer in the first year, can you renew your insurance in the second year?
First of all, it should be noted that there is no life-long million medical insurance in the market.
The only thing that can be renewed for life is the good medical insurance on Alipay, which can only reimburse the cost of cancer.
It's much smaller than the coverage of millions of medical insurance.
If someone tells you that my family's million-dollar medical insurance guarantees life-long renewal.
Hack him without hesitation, liar!
At present, there are no products that have been approved by the regulatory authorities for life-long renewal due to risks.
But at present, the renewal conditions of millions of medical insurance are really different.
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It is roughly divided into three gears.
The first gear: phased guarantee renewal.
For example, good medical insurance and long-term medical care:
During the renewal of the 6-year warranty period, whether the claim has been made or the product has been discontinued, it will not affect the renewal.
There are also Ping An E Life Insurance (2020 Guarantee Renewal Edition), Enjoy Life, Beyond Insurance, Micro-medical Insurance Long-term Medical Care, 360-year Long-term Insurance, Love Companion (20 19), Huaxia Medical Insurance Link Flagship Enhanced Edition, and Tianan Health Easy Enjoy.
These are the best updating conditions at present.
The second file: renewal is not affected by changes in health status or historical claims.
As long as the product is not sold, no matter how healthy it is, no matter whether there is a claim or not, you can continue to buy it.
For example, enjoy e-health 2020, good medical insurance hospitalization, micro-medical insurance million medical care, worry-free medical care, super e-health, love health 20 19 and so on.
These can also be bought.
The third file: renewal of insurance requires the insurance company to review or agree.
If you encounter this kind of product, you must be careful not to step on the pit!
Typical examples are Jingxinbao, AIA Kang Hui (20 19), Pacific Lexiang Million (H20 18), China Life Rue Kangyue C (to be audited in the first year) and Taikang Health Privilege D (to be audited in the first two years).
(Jingxin Insurance Clause)
In case the insurance company doesn't want to go hand in hand and turn around and dump us.
Such love rat, don't let it be!
Here, I would also like to remind everyone that although some products in the first file are guaranteed to be renewed by stages, there is no need to worry about stopping the warranty for several years.
However, the clause stipulates that if the guarantee renewal expires, the insurance company still needs to review and agree before it can enter the next guarantee renewal cycle.
(360 Long-term Warranty Terms)
For example, 360 Changbao, Aiban 20 19, Tianan is healthy and easy to enjoy, so these products are not recommended.
By judging the guarantee content, guarantee amount and renewal conditions, some products with problems and fish in troubled waters are mainly screened out.
Next, I mainly look at some bonus items.
4. Is the deductible high?
This depends on the threshold of paying millions of medical insurance.
The deductible is the part that needs to be borne by yourself. If the deductible is above, the insurance company will reimburse you.
Therefore, in the case of similar premiums, the lower the deductible, the better.
At present, the mainstream million-dollar medical insurance deductible is 1 10,000, and the serious illness/cancer is zero.
Although they are all deductibles of 1000 yuan, some good products will lower the threshold of compensation in disguise.
For example, if you enjoy E-Life 2020 and E-Life and Cai Jing for life (2020), you can choose your family to enjoy the deductible.
Another example is good medical insurance, long-term medical treatment for 6 years, deductible.
There are also micro-medical insurance beyond insurance, long-term medical care, 360-year long-term insurance, super-E insurance, love for companionship, medical insurance and love for health. As long as there is no claim, the deductible can be reduced to 5000.
In addition, the deductibles of Metropolitan Angel (20 17) and AIA Conway are 5000, but the premium is more expensive.
The cost performance is not so high.
5. Value-added services
This depends on medical experience.
In addition to reimbursement for medical treatment, there are some value-added services that can help you solve the problem of medical treatment.
Such as medical expenses in advance (direct payment):
Medical insurance is a type of spending money first and then reimbursing it. What if there is no money in the hospital?
Call the insurance company, pay the deposit first, let the patient see a doctor, and solve the urgent need.
Another example is the green pass for serious illness:
Now that medical resources are tight, what should I do if I can't make an appointment for a doctor and surgery?
Call the insurance company and rely on the resources of the insurance company to arrange for you first.
There are also targeted drugs outside the hospital:
Targeted drugs are an important means to treat cancer, which is expensive, tens of thousands a month.
The resources of targeted drugs are very tight. What if hospitals in many small and medium-sized cities can't get medicine?
Call the insurance company to apply, as long as the doctor agrees, you can buy medicine for reimbursement from other formal channels;
And proton heavy ions:
Proton heavy ion therapy is the most popular cancer radiotherapy technology at present, because of its good curative effect and high cost.
Each course of treatment is about 300,000.
Many products also include proton heavy ions in the protection scope.
These are all very practical.
The above four products with better value-added services are Enjoy E-Life 2020, Good Medical Insurance Long-term Medical Care, Good Medical Insurance Hospitalization, Beyond Medical Insurance, Worry-Free Medical Insurance 2020 and Water Drop Insurance Million Medical Care.
Comparing the above five judgment dimensions, the advantages and disadvantages are obvious.
For the 25 products we evaluated, I summarized a table.
You can compare it directly with this table.
The yellow one on the right indicates that there is a short board on the guarantee. These products must not be selected!
The green one on the left has certain advantages in some aspects. You can choose according to your own situation.
The four products I recommend most.
Combining the results of our comparison above, I think these four models are the best products at present:
Let's talk about it in detail:
Enjoy electronic life 2020 edition
Universal millions of medical insurance, the strongest value-added service.
Enjoying electronic health is the originator of millions of medical insurance.
Once known as universal health insurance, it belongs to the category that has been imitated and never surpassed.
Upgrade 14 times in 4 years, and there will be new surprises every time.
In addition to the comprehensive basic guarantee, there are no hidden pits in the terms, and hospitalization advance, green pass for serious illness, targeted drugs outside the hospital, and proton heavy ions are all available.
You can also choose special medical care for diseases and operations and Japanese medical care according to your own situation.
In terms of renewal, because it is a property insurance company, it cannot promise to guarantee renewal.
But it clearly stipulates in the special agreement:
The standard renewal premium rate will not be refused or adjusted separately because of the changes in the health status or historical claims of the insured.
For those who pursue the quality of service or want the whole family to be insured (optional family members can enjoy deductible), enjoying E-students must be a very good choice.
Good medical insurance, long-term medical insurance
Cheap premium, 6-year guaranteed renewal.
The biggest highlight of good medical insurance is to guarantee the renewal of insurance for 6 years and enjoy the deductible for 6 years.
In other words, as long as you add up to six years and the hospitalization expenses exceed 1 10,000, you will be reimbursed.
While improving the probability of claims, the price is also very advantageous to young people.
After the age of 60, the price is slightly more expensive than the exclusive e-student.
However, its professional requirements and underwriting are relatively loose.
It is very suitable for small partners who have some minor physical problems or want to renew their insurance.
Fosun United Transcendence Insurance
6-year guarantee renewal, which can expand the special needs ward.
Like good medical insurance, beyond insurance is also a six-year guarantee renewal.
Even if the product is discontinued, other products of Fosun United can be renewed without health notice, which is the best renewal clause at present.
Its deductible is also very interesting.
If there is no claim in the last year, you can reduce 1000 yuan every year until the end of the guarantee renewal period, with a maximum reduction of 5,000 yuan.
For those who are in good health and have not made claims in the past few years, the threshold for claims has been lowered very well.
In addition, this product can also choose a special edition, which can reimburse the medical expenses of the special needs department of the hospital.
The shareholder behind it, Shanghai Fosun Group, started as a pharmaceutical company.
It has inherent advantages in the medical field and is very suitable for friends who have high demand for medical insurance.
Taiping Medical Insurance Worry-Free (2020)
Insurance companies have big brands and rich medical resources.
Taiping worry-free medical insurance series is a big-name million medical insurance.
Its guarantee is very flexible, with 6,543,800,000 insured amount and 3 million insured amount to choose from.
The basic guarantee is the same, and there is no need to review and renew the guarantee.
At the same time, it also includes hospitalization allowance for malignant tumor and intensive care allowance, which is equivalent to the insurance company's payment during our illness.
It's also good to mend your body.
But what bothers me most is the medical resources behind it.
Unfortunately, I got a major illness, and directly arranged the consultation of top medical experts in Beishangguang to give professional advice;
At the time of discharge, all the treatment expenses are directly settled with the hospital by the insurance company, and the patient does not need to pay the treatment expenses or submit the claim information.
Small partners who value big companies and have sufficient budgets are worth starting with.
Medical insurance is reimbursement insurance.
No matter which insurance company's products are, claims will be checked according to the terms.
So when you buy this kind of products, don't just look at what the salesperson says. Be sure to open the contract and look at the key points.
I hope this article today is helpful to everyone.
I finally read the terms, and my eyes are almost blind.
Good Night!
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Related Q&A: How to reimburse millions of medical insurance has four steps: reporting a case, submitting materials, examining and approving the insurance company, and receiving claims. 1. Report: Call the insurance company or report to the insurance company through other channels. 2. Submission materials: Prepare the reimbursement materials to be submitted to the insurance company, including a copy of the patient's ID card, expense details, receipt of hospitalization expenses and other materials required by the insurance company. 3. Insurance company approval: the insurance company verifies the authenticity of the investigation materials and decides whether to reimburse the expenses. 4. Receiving claims: After the insurance company agrees to make claims, it will transfer the claims to the beneficiaries.