In fact, there is no difference. This is basically the same product, but it has different "stage names" in different channels.
This is the record number of the two products in the CBRC, which is equivalent to the "identity card" of insurance products and is unique.
Obviously, the record number of the two is the same, and the official also gave a reply:
To sum up, there is no difference between Pacific blue medical insurance and medical care, it is the same product, but the channels are different.
Next, let's review whether the blue medical insurance million medical insurance (and doctors enjoy worry-free) is worth buying.
Special reminder: when choosing insurance products, don't simply compare insurance liabilities without considering the actual situation of individuals. Not only can we not compare the quality, but we will ignore some problems.
1. How about blue medical insurance?
How about any one million medical insurance and whether it is worth buying can be analyzed from five aspects.
1. Can the health notification be passed?
Everyone must pay attention to the link of health notification, because it not only affects whether you can buy it, but also determines whether you can compensate.
The health notification of Pacific Blue Medical Insurance Million Medical Insurance is relatively loose, but it should be carefully checked.
Health notification principle: according to the health notification questionnaire, answer the known questions truthfully, and follow the principle of answering what you ask, how to ask and how to answer, and don't ask or answer.
Here, we must pay special attention to the following two issues. As long as they have existed in the past, whether they are good or bad, they must be told:
(1) Benign tumor
Strictly speaking, it includes breast fibroma, uterine fibroids and so on, but how many people ignore it?
(2) Hypertension
Ask about hypertension above grade 2, you can buy it directly below grade 2, but it will trigger the exemption of previous medical history. This must be paid attention to.
If the health notification fails, you can try intelligent underwriting or manual underwriting.
2. Is the insurance liability comprehensive?
A qualified million-dollar medical insurance should at least include the following six security responsibilities:
be hospitalized
Special outpatient service
Outpatient operation
Outpatient and emergency services before and after hospitalization
Special drugs for malignant tumors outside the hospital
Proton heavy ion medical treatment
In this regard, Pacific Blue Medical Insurance Million Medical Insurance covers all:
Special reminder: remember to check the responsibility of special drugs when insuring.
3. Are the terms of renewal friendly?
Pacific blue medical insurance million medical insurance is guaranteed to be renewed for 20 years, which is clearly written in black and white.
That is to say, in the next 20 years, as long as the premium is paid on time, whether the product is discontinued, whether the health status has changed, and whether the claim is settled, you can buy it in these 20 years.
4. Do you provide value-added services?
Pacific Blue Medical Insurance Million Medical Insurance provides value-added services, as shown in the figure below:
However, although the products are the same, the hospitalization advances provided are different because of different channels.
Blue medical insurance million medical insurance: advance payment does not distinguish between diseases
Enjoy worry-free millions of medical insurance: advance payment is limited to 120 major diseases.
5. What's the price?
As a long-term medical insurance, Pacific Blue Doctor Million Medical Insurance's rate is adjustable, that is, the insurance premium payable at the time of renewal is uncertain.
However, the price will not be adjusted at will, and the terms clearly limit the trigger conditions, adjustment time and adjustment range:
Of course, the rate of any long-term medical insurance is adjustable because there are too many uncertainties in the future.
Second, matters needing attention
Pacific blue medical insurance million medical insurance is really good, but there are some precautions before insurance.
1.Physical examination is required for insurance over 55 years old.
Although the insurable age of Pacific Blue Medical Insurance Million Medical Insurance can be relaxed to 65 years old, medical examination is required for insurance over 55 years old.
Don't buy this product without a medical examination, because it doesn't mean that you can buy it directly after the medical examination, but it may lead to other products not being insured.
2. Exemption from previous diseases
Exemption from past illness is a common clause in millions of medical insurance. For example, the health notice of Pacific Blue Medical Insurance Million Medical Insurance asks about hypertension of grade 2 and above, which means that 1 grade hypertension can be directly insured.
But it will trigger the exemption clause of past diseases, that is, the medical expenses caused by hypertension and its complications will be exempted, even including cardiovascular and cerebrovascular diseases.
However, the definition of past diseases in Pacific Blue Medical Insurance Million Medical Insurance is a bit too harsh, or a bit unclear.
The insured is exempt from liability for diseases (or their complications), physical defects and disabilities suffered or occurred before or during the effective date of this contract.
The hidden trouble of this problem lies in: Is the disease that has been clearly cured before insurance a past disease?
For example, if you were hospitalized for pneumonia three years before insurance, will it be cured and will it be regarded as a past disease?
Generally speaking, Pacific Blue Medical Insurance Million Medical Insurance (which is also safe for famous doctors) is worth buying, but the premise must meet the health notification or pass the underwriting.
Insurance products are very special. Which one to buy, we need to comprehensively consider health notification, underwriting, personal preferences, insurance liability, exemption clauses, budget and other factors.