Insurance liability: What does it cover?
Conditions for renewal: Can I buy it all the time?
How much is the premium: How much?
The following evaluations will be explained one by one:
1. In terms of major liability, millions of medical insurance mainly covers hospitalization, that is, for whatever reason, after deducting 1 10,000, the reimbursement will be 100%, and the specified amount will be capped at110,000.
Although they all look the same, in fact, there is still a lot of knowledge inside.
l？ Treatment cost: Some people don't care about physical therapy, and some people don't reimburse Chinese medicine.
l？ Outpatient service responsibility: some can report before and after hospitalization, and some can't;
l？ Single limit: some will limit a certain treatment;
l？ Artificial organs: some can reimburse artificial organs such as heart stents, while others can't;
l？ Stay time: Some will limit the annual stay time, while others will not.
2. Conditions for renewal of insurance
At present, the vast majority of commercial medical insurance is a one-year product, and long-term medical insurance is rare. Therefore, no matter how implied by the insurance company and how promised by the sales staff, as long as the word "guaranteed renewal" does not appear in the contract, then this medical insurance 100% is not guaranteed renewal. At present, only social medical insurance can guarantee life-long renewal, tax-excellent medical insurance can guarantee renewal to retirement age, and some medical insurance can guarantee renewal for several years, such as Ping An E Life Insurance (6-year guarantee renewal version) and Alipay PICC.
At present, there are three main renewal conditions:
(1) Annual renewal needs to be reviewed by the insurance company;
(2) The product is discontinued and cannot be renewed;
The insurance company reserves the right to adjust the rate.
Knowing this common sense, we'd better choose the product with the best renewal conditions, specifically, there is no need for re-examination and health notification. In this case, if the insured is hospitalized and claims, the insurance company cannot refuse to renew his insurance. Of course, the right to adjust the rate will definitely be reserved, as long as it is not adjusted for individuals.
3. What is the insurance premium?
At present, the premium of millions of medical insurance is only a few hundred yuan per year, but it can provide one million or even millions of reimbursement. This highly leveraged product truly embodies the role of insurance.
4. Analysis of five popular million medical insurance in the market.
Next, the appraiser chose the following five popular millions of medical insurance on the market, all of which are representative and compared with everyone. For more medical insurance knowledge, please refer to the list of millions of medical insurance.
1) Taikang Life Insurance
2) Zhongan Insurance enjoys electronic health 20 19
3) Keep people healthy and have good medical insurance.
4) Fosun enjoys life together 20 18
5) Ping An Health Ping An E Life Insurance (Guarantee Renewal Edition)
Evaluate 5 million medical insurance
Let's look at the conclusion:
Micro-medical insurance health notification is relatively loose; Good medical insurance, Ping An E life insurance and micro-medical insurance have friendly renewal conditions, ensuring 6-year renewal; Good medical insurance is cost-effective.
In fact, different millions of medical insurance have their own highlights, which are suitable for different needs of different groups of people, so we need to choose products from our actual needs.