There are three kinds of critical illness insurance on Alipay: short-term critical illness insurance, regular critical illness insurance and children's critical illness insurance. The following is a detailed introduction of some insurance of Alipay:
Operating environment: Apple 12, ios 14, Alipay version 10.2.3.
1) cathay Pacific property insurance: health benefits (guarantee 1 year) One-year health benefits are short-term insurance, which will be guaranteed for one year after one year. Generally speaking, it is not recommended to buy this kind of short-term critical illness insurance, because: short-term critical illness insurance does not share the premium equally like long-term insurance, which leads to higher premium as you get older, and it is scary when you get old. Short-term insurance will not only affect the renewal of insurance, but also the risk of whether the product itself will be discontinued. But a year's health is not without its merits. At least the low premium is his advantage, which is very suitable for good health; But young people with insufficient budgets are used as transitional guarantees.
2. China People's Insurance Health: products guaranteed for 20 or 30 years are rare in the market; If you have this requirement, you can pay attention to this. However, there are also some shortcomings. Health benefits (guaranteed for 20/30 years) lack China's disease protection and cancer optional protection. On the whole, the protection of health benefits (20/30 years) is not sufficient and comprehensive.
3) Protecting people's health: Good medical insurance and cancer prevention medical insurance must first distinguish between cancer prevention insurance and cancer prevention medical insurance. One is paid and the other is reimbursed. Anti-cancer insurance is a branch of critical illness insurance, which mainly protects cancer; Those who meet the payment conditions can get the insurance money in one lump sum. Anti-cancer medical insurance belongs to medical insurance; Used to reimburse medical expenses during cancer. Good medical insurance, hospitalization insurance and long-term medical insurance mentioned above; All medical expenses can be reimbursed. Anti-cancer medical insurance can only reimburse the medical expenses of cancer. Mainly considering the physical condition, it is impossible to insure the medical insurance group; You can choose cancer prevention medical insurance with loose health information (common three highs and diabetes can be insured). Good medical insurance The main guarantee clauses of cancer prevention medical insurance are: 2 million cancer medical insurance premium (0 deductible) +654.38+0 million proton heavy ion medical insurance premium. Old people who are insured until they are 70 years old and cannot buy millions of medical insurance can consider it.
4) Ping An Insurance: Cancer Guard 2020 (plan 1) This product actually has three plans to choose from: basic version, outpatient version and special version. The basic version of the plan 1: 0 is free of compensation, and 2 million malignant tumor diagnosis and treatment expenses insurance; Proton heavy ion insurance is very good. However, there is no advance payment function for hospitalization medical expenses.
Tips: There are many types of insurance on Alipay, and users can buy according to their own needs.