The latest China Life has taken action again, bringing you a million-dollar medical insurance called Rue Kangyue. Many fans and friends rushed over to ask the seniors' opinions, whether this product is good or not, and whether it is worth buying.
Next, the senior will make a professional evaluation of this product called e Kangyue. Don't miss what you want to know!
The text is about to begin. Before this, the senior sister gave you a gift for free: publish the list of 10 million medical insurance!
1.E What is the coverage of China Life Insurance such as Kangyue Million Medical Insurance? Any highlights?
For your understanding, please take a look at this product protection map prepared by Senior Sister:
For example, the highlight of e Kangyue Million Medical Insurance, to be honest, is not much.
1, short waiting time.
The waiting period of 30 days is a highlight of e Kangyue Million Medical Insurance. Everyone should know that if an accident occurs during the waiting period, the insurance company will basically not pay for it. In other words, the longer the waiting period, the worse it will be for the insured.
Under normal circumstances, a more appropriate setting for the waiting period of millions of medical insurance is 30 days. If there is a waiting period of more than 30 days, then think about whether it is really worth waiting for such a long time. this
Although the waiting period is a small point, it is not so easy to get compensation if you are not careful at that time: will the insurance company not pay compensation during the waiting period?
2. Not limited to reimbursement within the scope of social security
There is no restriction on reimbursement in social security at the time of reimbursement. For example, e Kangyue Million Medical Insurance has done a good job in this respect, which is another bright spot. As long as it is within the scope of reimbursement, the insurance company will reimburse. This is more powerful than those millions of reimbursement drugs in social security.
After talking about the advantages of e Kangyue Insurance, let's take a look at its disadvantages.
Second, after reading these points, I can only say that e Kangyue is a long story!
For example, the shortcomings of e Kangyue Million Medical Insurance are mainly manifested in these places:
1, renewal is not guaranteed.
Conventionally, the coverage period of one million medical insurance is only 1 year. If the health information of millions of medical insurance is not strict, it is not a big deal to insure every year, but it is almost impossible to buy millions of medical insurance if claims are made after it happens.
It is very important to guarantee renewal, which can provide you with continuous protection. As long as you have it, you can still apply for renewal even if you have received compensation for illness or the product has been discontinued.
China Life Insurance, such as E Kangyue Million Medical Insurance, is really a big disadvantage.
There are many things to pay attention to when applying for millions of medical insurance, and renewal is very important. If you don't know how to renew your insurance, you will suffer: how to renew your insurance and what should you pay attention to? An analysis!
2. Lack of proton heavy ion protection
In addition, for example, e Kangyue Million Medical Insurance only has hospitalization allowance for malignant tumors, and there is no proton heavy ion protection. If we want to treat malignant tumor, the better method is to use proton heavy ion technology, but the cost is high. If millions of medical insurance can cover this part of the cost, the financial pressure on the insured will not be so great.
At present, there are many millions of medical insurance that can reimburse proton heavy ions. For example, Ping An E Life Insurance and JD.COM Allianz Zhenai Unlimited can provide this service, while e Kangyue Million Medical Insurance, for example, only has one hospitalization allowance, which does not have much effect on the cancer protection of the insured!
Senior sister thinks that the cost performance of e Kangyue Million Medical Insurance is really not high, so I suggest you choose those insurances with good cost performance ~
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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