Ping An Anxiang Medical Care is an insurance product underwritten by China Ping An Life Insurance Company of China Insurance Company, which focuses on hospitalization. The insured population has a wide age range, and all people aged 18 to 65 can participate in the insurance. The insurance period is one year, which can be automatically renewed until the age of 80.
If the product is discontinued or the insured is over 80 years old, the insurance will not be renewed. During the insurance period, the commercial insurance provides the insured with hospitalization medical insurance and special outpatient medical insurance, and the annual coverage of hospitalization medical insurance is 500,000 yuan.
Pay attention to the purchase of safe medical insurance:
1. Ping An's medical insurance coverage is limited, so it is not undertaken? Emergency before and after hospitalization? The cost of insurance liability is a big problem. After all, most medical insurance enjoys this insurance, and the reimbursement days of this insurance are also limited. Only in each policy year, the insurance company is only responsible for the hospitalization expenses incurred by the insured within 180 days.
2. The health information of Ping An Medical Insurance is very strict, and there are very strict requirements for the physical condition of the insured. If the insured has diseases such as hypertension and diabetes, it is impossible to pass the insurance.
Is it worth buying Ping An medical insurance?
Whether it is worth buying Ping An medical insurance. We can look at it from the following three aspects:
1, judging from the insured content.
Enjoy medical insurance, including hospitalization medical insurance of more than 500,000 yuan and special outpatient medical insurance of 200,000 yuan per year. Including the cost of drugs, medical care and ambulance use; Special outpatient medical treatment includes outpatient renal dialysis, chemotherapy or radiotherapy. And the cost is very comprehensive. Not only the expenses within the scope of social security can be reimbursed, but also the expenses outside social security, and there is no limit to the deductible. However, it should be noted that expenses other than social security can only be reimbursed 80%. In addition, there are also restrictions on the number of days of hospitalization reimbursement.