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Ping An Fu and Good Medical Insurance Long-term medical care are two different types of products. The former is critical illness insurance, and the latter is medical insurance. Their protection and function are different. If economic conditions permit, it is best to buy both kinds of insurance. If you are not familiar with these two types of insurance, I will introduce them separately below.
Let's take a look at the details of long-term medical insurance.
Good medical insurance is a series of insurance of Alipay Ant Insurance, including good medical insurance, long-term medical care, good medical insurance, hospitalization, good medical insurance, critical illness insurance and so on. Among them, good medical insurance and long-term medical insurance are the best sellers, but many people still don't know much about it.
Let's solve the problem that insurance requires a lot. If you are interested in an in-depth analysis of this product, you can click on the right to see:
1. Is good medical insurance, long-term medical care and good medical insurance the same as hospitalization?
These two kinds of insurance are often mistaken. Although these two types of insurance belong to millions of medical insurance, the underwriting company, coverage content, coverage scope and terms are different.
Good medical insurance Long-term medical treatment is underwritten by China People's Insurance Company, with a total insurance amount of 4 million yuan, and general illness and accident medical insurance premium of 2 million yuan, which is guaranteed to be renewed for 6 years. In terms of deductible, serious illness is zero deductible, and other diseases are 654.38+0 million deductible, which can be accumulated for 6 years.
Good medical insurance and hospitalization are underwritten by Zhongan Insurance, with a total premium of 6 million yuan and general illness and accident medical insurance premium of 3 million yuan. There is no guarantee of renewal. In terms of deductible, 0 yuan is exempt from serious illness compensation, and the general medical deductible is 1 000.
As for which to buy, it depends on your personal needs. If you want to buy two models, you can do both, without conflict.
Second, good medical insurance and long-term medical care can be reimbursed as long as they are hospitalized?
Good medical insurance Long-term medical insurance belongs to reimbursement insurance. But it doesn't mean that hospitalization will definitely be reimbursed. This is only possible after you have passed the deductible. The deductible for good medical insurance and hospitalization is 10000 yuan, and the deductible for good medical insurance and long-term medical treatment can be 1000 yuan for six years.
In this respect, good medical insurance and long-term medical care are really good, because many medical insurances are very strict in the setting of deductible, and even the difference of 1 yuan cannot be compensated. Relatively speaking, good medical insurance and long-term medical insurance are more friendly to customers and lower the threshold for customers to claim compensation.
Third, what about good medical insurance and long-term medical insurance? What's the difference between after the upgrade and before?
How about good medical insurance and long-term medical insurance? Is it worth buying? What changes have been made in this upgrade? Through the comparison chart below, let's make a simple analysis to see if this insurance is worth buying.
Draw a direct conclusion:
The renewal conditions of this insurance must be boasted: it is guaranteed to be renewed within 6 years, and it can be renewed after the previous claims have been settled or the health condition has deteriorated, and there is no need for re-examination.
There are two main differences between the new version of good medical insurance and the original version:
(1) An optional overseas treatment for cancer is added, with a maximum reimbursement of 2 million treatment expenses and 70% reimbursement;
② COVID-19's responsibility was increased, and he paid 65438+ 10,000 yuan for critically ill patients at one time.
After the upgrade of long-term medical insurance in 2020, it still has certain advantages compared with other medical insurance, but the health notification matters are more standardized and stricter. If you have physical problems, it is recommended to see more and compare before making a choice.
The following are some million-level medical insurance with relatively loose health information and high cost performance. Friends in need can make a reference: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
Next, let's look at the security of peace and happiness.
Ping An Fu is a popular critical illness insurance product in the market, which comes from Ping An, China and has been continuously upgraded since its launch. If you want to ask about the latest version, it is Ping An Fu 20. After this latest version came out, I conducted in-depth research and finally found that Ping An Fu 20 has not changed much after the upgrade? For details, please refer to this article: Inventory of Critical Illness Insurance of Top Ten Insurance Companies "Worth Buying"!
For the upgrade of Ping An Fu 20, we can know by comparing it with the old version:
After reading the pictures, it is obvious that the guarantee of Ping An Fu 20 has not changed much compared with some previous versions, but there is no longer the guarantee of long-term accident insurance bundled sales.
But the shortcomings are not upgraded! For example, these shortcomings must be mentioned:
1. Incomplete protection: there is no protection against China's disease in the product, and the excellent critical illness insurance on the market has increased the protection against China's disease.
2. The proportion of compensation is low: only 20% can be paid for mild illness, which is lower than the average level.
3. The setting of cancer compensation is poor: Ping An Fu 20 suffers from cancer for the first time, and it will take five years to get cancer protection again; If you suffer from a serious non-cancer illness for the first time, you can directly terminate the contract. Youpin is suffering from cancer for the first time and can be paid again after 3 years; Cancer compensation can be obtained after 1 year if you suffer from non-cancer serious illness for the first time.
4. Excluding exemption: Ping An Fu 20 does not include the exemption of the insured, and can only be added. Extra additions mean paying more money. However, good critical illness insurance now includes the exemption protection of the insured.
Generally speaking, Ping An Fu 20 is not excellent. If the economic conditions are average, it is recommended to consider other more affordable and comprehensive critical illness insurance.
You may find it difficult to compare, so don't worry. I have sorted out all the high-quality critical illness insurance products in advance, and the details are listed in this article >> Top Ten Insurance Companies' "Worth Buying" Hot Critical Illness Insurance Inventory!