Today, Senior Sister came to evaluate the Million Medical Insurance, which is also the most popular medical insurance in private letters-ironclad Bao Xiao Children's Long-term Million Medical Insurance.
If you have friends who are pressed for time, you can collect them first and read them later. Senior sister guarantees that the dry goods are full:
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As usual, if nothing else, put the picture directly:
I don't know if you have a clear understanding of the product after reading this product map. Next, the senior sister will make an in-depth interpretation of this:
Advantages:
1. Friendly update conditions
Long-term medical insurance of one million yuan for ironclad children is guaranteed to be renewed until 17 years old.
What do you mean by guaranteed renewal? That is, this product is not affected by the suspension of product sales, and there is no agreed guarantee in the insurance contract signed with the insurance company until the insurance expires.
In fact, there is a little skill in renewing insurance. If you want to master it, please open this article and read the following:
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2. Children's special disease protection
15 special diseases for children included in children's long-term medical insurance cover leukemia, Wright syndrome, severe Kawasaki disease and severe hand, foot and mouth disease.
This is undoubtedly an additional lock to protect the baby. This sincerity is really great!
3. Outpatient and emergency treatment before and after hospitalization
At present, many emergency services before and after hospitalization with millions of medical insurance in the market are only provided for the first 7 days and then 30 days. What's more, there are such settings for the first 7 days and then 7 days.
However, the long-term million-dollar medical insurance for children and micro-insurance have shared a lot of troubles with insurers for the first 30 days and the next 30 days, because sometimes there will be insufficient beds in hospitals, and it will not be said that there are.
During the insurance period, if the insured is hospitalized due to an accident or illness after the waiting period, the insurance company shall reimburse the reasonable and necessary medical expenses incurred in the emergency within 30 days after hospitalization.
4. Value-added services are intimate
Long-term million-dollar medical insurance for children in Bao Xiao includes online outpatient service, serious illness outpatient appointment, hospitalization assistance and domestic follow-up, advance payment for treatment of serious illness and children's special diseases, MDT multi-disciplinary consultation and other value-added services.
On the one hand, the problem of "difficulty in seeing a doctor" has been solved to a great extent, and at the same time, the insured also feels more comprehensive security services.
disadvantaged
1. Long waiting period
The guarantee period of millions of medical insurance is generally only one year. After one year, if you want to renew your insurance, you need to check it again. Therefore, the waiting period of many products is very short, which will not exceed 30 days.
However, the waiting time for real insurance is 90 days, which is a bit long.
If the child is unfortunately in danger during the waiting period, the insurance company will not pay for it, and all medical expenses will be borne by itself.
Second, the senior sister suggested
In short, it is still worth recommending. The children who are really well-protected have started with millions of medical insurance for a long time and have good performance.
The medical expenses of major diseases are very high, which is difficult for families who are not very rich to bear, while the million-dollar medical insurance has a million-dollar coverage, which can reimburse most of the expenses of serious diseases.
Take this for example. Senior sister thinks it is necessary for everyone to buy millions of medical insurance.
However, if the little friends want to see more and pick more, the senior sister has arranged other million medical insurance for everyone, don't you believe it? Then let's take a look:
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Write it at the end
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