Recently, a product with better reimbursement conditions appeared on the market: 0% compensation for millions of medical care is free, and as long as you are hospitalized, you can report as much as you spend.
What about this kind of products? Is it really worth buying? I will analyze it with you in detail today.
The main contents are as follows:
1. 1 10,000 What are the characteristics of medical care? Why is there a zero deductible?
2. Five zero-compensation-free product evaluations, which one is worth buying?
3. Focus analysis of zero deductible products
1. What's good about zero deductible medical insurance?
At present, most of the millions of medical insurance have a deductible of 1 10,000 yuan, and they can only apply for reimbursement if they spend more than 1 10,000 yuan.
And most of the hospitalization expenses in life will not exceed 10 thousand:
According to the statistical bulletin of health and health development in China in 20 18 by the National Health Planning Commission, the per capita hospitalization expenses in 20 18 were 929 1.9 yuan.
Therefore, a million yuan medical insurance with zero deductible can greatly increase the chances of winning the prize, even if the hospitalization expenses are only 100 yuan, they can be reimbursed.
In addition, compared with other types of insurance, millions of medical insurance has irreplaceable advantages:
Wide coverage: as long as it is reasonable medical expenses, millions of medical insurance can be reimbursed, whether in social security or outside social security.
High security: the general security is between 2 million and 6 million, which is enough to cover normal medical expenses.
Cheap price: a 30-year-old adult's annual premium is several hundred yuan, that is, the money for going out for a meal, which any family can afford.
But the health information of Million Medicare is strict. If you are healthy, I suggest that you must configure a million medical insurance for yourself.
Second, five zero-deductible product evaluations
I searched online and found five kinds of medical insurance with zero deductible and one million yuan. They are:
Zhong anle Xiang e sheng
E Anxin Wu Sheng you
Anyihui 99
Fosun Happy Life 20 19
Huatai tairan Una Ling Fei ban
For the convenience of comparison, we also added an insurance with the deductible of 1 10,000 yuan for comparison.
Draw a direct conclusion:
If you value 0- deductible: for everyone's happiness, you can consider enjoying E-health. Although the renewal of insurance needs to be reviewed, it is still good to avoid health notification and enjoy electronic health if the review fails. Huatai's worry-free protection is also good, but it can't be underwritten manually, and it is difficult to buy it if the body is abnormal.
If you don't care about the deductible: all aspects of health insurance are enough, and you can guarantee to renew your insurance for 6 years. Similarly, there are Ping An E Health Insurance and Micro Health Insurance. And the price is only half of the zero deductible.
If you value the medical experience, you can choose Fosun and Lejian Lifelong 20 19, with comprehensive value-added services and special needs protection, and then you can stay in the VIP ward.
As for the choice of medical insurance, I suggest you focus on the conditions of renewal. For example, Hui99 and E are worry-free in form, and it is not very friendly to renew the lease.
Need to review the renewal of warranty. In case of failure, the warranty will be interrupted if no other products are connected. I don't suggest you consider it.
Third, the analysis of key products
Now the products are more and more diversified. Next, I will analyze several distinctive products in detail:
Everyone likes electronic life.
Zhongan has done a very thorough and meticulous job in the field of medical insurance. In addition to enjoying the online celebrity products of e-health, Zhongan also launched the Premium A version for patients with thyroid diseases.
The introduction of e-health can also be regarded as a zero-compensation-free version of e-health. I put the two products together to see their specific differences:
It can be seen that compared with E-student 20 19, E-student has the following main differences:
The insured amount and deductible are reduced: the deductible of Lexiang E students is reduced to 0, and the insured amount is also reduced to 65.438+00,000. But now it is enough to see a doctor in general public hospitals.
Increase hospitalization allowance: for some serious diseases such as partial resection of cancer, coronary artery bypass grafting and organ transplantation, the maximum 300 yuan/day allowance will be given according to the dimensions of household registration, social security and income.
Longer waiting period: the waiting period will be automatically set to 30/60/90 days according to the dimensions such as household registration, social security and income.
Premium increase: As the deductible is reduced to zero, the premium is twice as expensive as the exclusive E-student 20 19.
You can't buy it for 0- 4 years old alone: if you buy it for children under 4 years old, you need to be insured by adults together, but there is no such restriction on enjoying E-students.
Although the renewal of e-health needs to be audited, even if the audit fails, health notification can be avoided. You can enjoy eHealth 20 19 or other products when you renew your insurance, and you don't have to worry about renewing your insurance.
However, this product has a disadvantage:
If you buy a version without social security, although the premium is more expensive, you can only get 65% reimbursement, while the exclusive E-student will get 100% reimbursement.
This is the welfare of the country. I suggest you buy it. If you are seeking medical treatment in a different place, it is strongly recommended to file a case before seeing a doctor, so that you can reimburse more.
Click on my avatar and reply by private message: You can know how to operate if you seek medical treatment in different places.
Generally speaking, it is good to enjoy e-health in terms of safety, and it is more suitable for friends who pursue zero compensation and have a certain budget to consider. Click here to calculate the insurance premium.
2. Fosun is happy to see life 20 19
Fosun has been listed for more than 3 years and its products have been upgraded many times. The biggest feature of this product is that it can be freely matched and guaranteed, such as:
Hospitalization security:1.5-200 million.
Urgent: 10000-35000 optional.
Deductible: 0-20,000 optional.
Special ward: free addition
For convenience, I chose four different versions for comparison:
Draw a direct conclusion:
If you value the medical experience: you can consider a special edition, which requires a special deductible of 1 10,000, and the premium is not expensive.
If you value outpatient service, you can choose the version of 0- deductible 1 10,000 outpatient service, which is enough to meet the daily outpatient reimbursement.
In fact, Lejian life belongs to mid-range medical care, which is more suitable for people who have a certain budget and pursue medical services.
If you just want the basic 0 deductible protection, then Zhongan's enjoyment of E-life is more worthy of consideration. After all, it is better to renew the insurance.
3. Huatai Tairan Worry-Free Zero Button Edition
As a zero deductible medical insurance, worry-free has its own characteristics, mainly including the following three points:
High insurance coverage: there is 3 million insurance coverage, which is much higher than the 6.5438+0 million insurance coverage of Lexiang E-students.
Cheap price: whether you are 30 or 50 years old, the rate is the lowest among similar products.
Wide insurance age: 65 years old can also be insured, and friends who want to insure their parents can focus on it.
Generally speaking, it is good to have insurance, but it cannot be underwritten manually. You can't buy it if it's not normal. If you have confidence in your physical condition, you can also consider it.
Fourth, if you want zero compensation, are there any other options?
In fact, in Shen Lanjun's view, there is no need to deliberately pursue zero compensation.
Because 10000 yuan is affordable for most families, priority should be given to ensuring the unbearable risk of serious illness.
Of course, if we must pursue zero compensation and transfer all medical risks, we can also consider millions of medical micro-doctors. Let's have a look.
The difference between the two schemes is that:
Option 1: Buy only once and guarantee zero compensation. If the body is abnormal, you can also apply for insurance manually. However, the insured amount is relatively low, only 6.5438+0 million.
Option 2: The insurance coverage is higher and the price is cheaper, but if you want to buy additional small medical care, the insurance process will be more troublesome and the health notification of small medical care will not be easy to pass.
In short, these two schemes have their own advantages, and here are just different ideas for you.
If personal medical insurance is good, the deductible of 1 10,000 is enough to buy110,000 medical care. 20190,000 medical evaluation, with the latest product evaluation.
Click on my avatar and reply with a private message: medical insurance, and you can see the analysis.
Fifth, write it at the end.
People will inevitably get sick, so medical expenses will always be an unavoidable topic.
I strongly suggest that you must pay your own medical insurance first, which is the welfare given by the state to everyone, and then consider commercial insurance.
I have written many articles about medical insurance in the past. If you are interested, you can click on the following article:
With medical insurance, do you still need critical illness insurance? 》
How to choose millions of medical insurance? 》
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