At present, there are relatively few products, mainly including small medical insurance, millions of medical insurance, adult accident insurance, filial piety insurance, family life insurance and so on. However, the earliest and most popular product is micro-medical insurance. "There are many people who are red." There are also many questions about this product on the Internet. In order to solve everyone's confusion, here is a detailed analysis of this product for everyone ~
Micro-insurance is a million yuan medical insurance, just like Alipay's good medical insurance and Zhongan's exclusive electronic health insurance. Produced jointly by Internet Insurance Company and Tencent Micro Insurance. Micro-warranty is approved by CBRC, and the product can't be fake. You can rest assured.
As a popular million-dollar medical insurance, micro-medical insurance has been upgraded to the 2020 edition some time ago. On the other hand, what is the cost performance of this product? Let's eat steak! As shown in the figure:
The advantages shown in the figure are obvious:
1. The basic guarantee is relatively perfect: hospitalization, outpatient medical treatment, outpatient service before and after hospitalization, and outpatient surgery are all included.
2. Friendly value-added services: There are all kinds of value-added services such as heavy ion therapy, green channel for serious illness and advance payment.
3. The premium price is low: 30 years old has social security, and the first year premium is 276 years. It's not very affordable!
But the shortcomings are also what I have to mention:
1. Extracorporeal or implantable medical AIDS or devices and their installation costs are not included. Some expensive items, such as heart valves, heart stents and intraocular lenses, will not be reimbursed, but many people don't know that it is a bit pitted.
2 overseas medical treatment and proton heavy ion therapy, reimbursement of 60%-70%. Medical treatment with social security reimbursement, these two items are not included. These two treatments are obviously very expensive, even if individuals pay 30-40%, it is a huge sum!
In addition, there are still some shortcomings that have not been introduced. To know the full version, it is enough to read this article!