Ping An E life insurance can be renewed up to 99 years old, which is basically equivalent to lifelong renewal. Zhongan's maximum renewal age is 80 years old.
Conclusion: In terms of the highest renewable age, Ping An wins.
* Annual deductible:
The deductibles are all 6.5438+0 million yuan, which is also the most common deductible level of mid-range medical insurance in the market at present.
However, in the upgraded product, Zhongan exempted the deductible after diagnosis and the renewal year for the hospitalization caused by the first malignant tumor after the waiting period, that is to say, if the customer has cancer, the deductible is not limited, and it is reimbursed according to the actual medical expenses 100%.
Conclusion: Zhongan won the annual deductible.
* Waiting time:
There is no waiting period for accidental hospitalization, which is the same for both companies.
The waiting period for hospitalization due to illness is different between the two companies. Ping An's electronic health insurance only stipulates that the waiting period for diseases is 30 days, while Zhongan's waiting period for some diseases is more strict, such as tonsil, thyroid, hernia and female reproductive system diseases, the waiting period is 120 days (equivalent to 4 months).
Conclusion: As far as the waiting period is concerned, Ping An wins.
* hospitalization insurance project:
According to the comparison of the terms, the items reimbursed by the two companies for hospitalization include: bed fee, meal fee, nursing fee, bed fee in intensive care unit, doctor's consultation fee, examination fee, treatment fee, medicine fee and operation fee.
The difference is that Ping An E-health insurance has more extra bed fees and ambulance use fees than Zhongan E-health insurance.
Conclusion: Ping 'an wins in the hospitalization project.
* Limit of hospitalization days:
Ping An E Life Insurance clearly stipulates in the terms that the maximum number of days of hospitalization in each policy year is 180 days, and medical expenses accumulated over 180 days will not be reimbursed.
Zhongan has no such restriction in the terms, but it does not rule out that there are similar provisions in the practice of claim settlement.
Conclusion: Zhongan wins in the limitation of hospitalization days.
* Outpatient and emergency projects before and after hospitalization:
The responsibility of Ping An E-life insurance is the outpatient and emergency expenses for 7 days before hospitalization and 7 days after hospitalization, while Zhongan enjoys E-life insurance for the first 7 days and the last 30 days, covering more days than Ping An E-life insurance.
Conclusion: Zhongan won the first place in outpatient and emergency projects before and after hospitalization.
* Health advice:
In order to make a more detailed comparison, we separated the contents of the health notification of the two companies one by one. In contrast, I don't fully understand many medical academic terms included in the health notification project, because I am a non-medical student.
But overall, the design of health notification project is similar, but there are some differences.
For example, for the notification of hypertension, Ping An has insurance restrictions on hypertension above Grade 3, while Zhongan has insurance restrictions on hypertension above Grade 2, so Zhongan has stricter health requirements for customers.
At the same time, Zhongan also set up health notification questions for female customers separately, while Ping An did not design them separately.
Conclusion: Zhongan is a little strict in health notification, but it is not easy to evaluate which company has the absolute advantage.
* intelligent underwriting:
With regard to intelligent underwriting, Ping An is more humane.
For example, if the customer has a common thyroid nodule, then if the insured enjoys electronic health, it will not pass the underwriting. The E-life insurance insured by Ping An can refine the health notification items according to the different diseases of customers, so that they can enjoy underwriting after excluding thyroid nodules, thus ensuring that customers can still own this medical insurance product.
In contrast, Zhongan's underwriting is more stringent, and there is no such humanized arrangement.
Conclusion: In intelligent underwriting, Ping An wins.
It's too detailed. I wrote it for a long time. You can trust me privately if you have any questions.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.