Today, Senior Sister will help you evaluate the critical illness insurance, which is also the most popular critical illness insurance in private letters-ironclad Bao Xiao Children's Long-term Million Medical Insurance.
If your friends are pressed for time, you can collect them first and watch them later. Senior sister guarantees more dry goods:
These tricks are hidden in the long-term million-dollar medical insurance for armored children.
1. What are the advantages and disadvantages of long-term millions of medical insurance for armored children?
Needless to say, as usual, I immediately put a photo:
I don't know if you have a clear understanding of the product after reading this product map. Senior sister will help you explain in detail in the following content:
Advantages:
1. Friendly update conditions
The ironclad Bao Xiao Children's Long-term Million Medical Insurance ensures that the insured's renewal age can reach 17 years old.
What is the guarantee of renewal? That is, the product is not affected by the suspension of product sales. Every guarantee stipulated in the insurance contract signed between us and the insurance company will remain valid and can be fulfilled until the insurance expires.
Senior sister reminds everyone that the renewal door is coming ~ do you want to understand it? Open this article and read it:
How to renew medical insurance and what should I pay attention to?
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.
It is equivalent to saying that there is another insurance for the protection of babies. This is a sincerity!
3. Outpatient and emergency treatment before and after hospitalization
At present, millions of medical insurance on the market are mostly limited before and after hospitalization, 7 days before emergency, 30 days after emergency, or even 7 days after the first 7 days.
The long-term million-yuan children's medical insurance is really a small insurance, and the first 30 days are implemented after 30 days, which brings a lot of convenience to the insurer. This is because sometimes there are not enough beds in hospitals to meet their needs.
During the insurance period, the insurer is hospitalized due to accidents or diseases after the waiting period, and the medical expenses can only be reimbursed by the insurance company if the reasonable and necessary conditions arising from emergency treatment are met within 30 days before and 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, it solves the problem of "difficult to see a doctor" to a great extent, and at the same time, the insurer gets more comprehensive protection, which makes the security system serving the baby more perfect.
disadvantaged
1. Long waiting period
Under normal circumstances, the coverage period of millions of medical insurance will not exceed one year, and the one-year follow-up insurance needs to be re-examined, so the waiting period of many products is not very long, only 30 days.
But the waiting period for real insurance is 90 days, which is a bit long.
In case the baby is out of danger during the waiting period, the insurance company will not provide claims and can only bear all the medical expenses by itself.
Second, the senior sister suggested
Generally speaking, the long-term million-dollar medical insurance for children in Bao Xiao is excellent, and the cost performance is still very high. If it is true, it is a good choice.
The medical expenses for curing major diseases are too high for less affluent families to bear. However, millions of medical insurance covers millions. Generally speaking, it reimburses the expenses of many serious medical diseases.
This article alone can explain why we need to allocate millions of critical illness insurance.
However, if the little friends want to see more and pick more, the senior sister has also compiled other excellent million medical insurance. Let's see:
Ten million medical insurance rankings are freshly released!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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