And in the middle of the battlefield is more lively, all kinds of tear, mainly divided into two factions:
■ The "serious illness follow-up insurance" school represented by Ping An E Life Insurance and Allianz Zhenai.
■ There is also the "guarantee renewal within a period of time" faction represented by I Worry-Free.
And Iron Man Million Medical is the new head of the latter. It will be guaranteed to renew the contract in a short time (to five years). But although the slogan is loud, I think the practical function of this "signboard" is very limited.
■ ? In the short term, Ping An E Life Insurance, a product that can be renewed after a serious illness, will indeed be slightly inferior, but when you think about it, it has only been sold for about 2 years. If there is no insurance fraud, most people will have to pay for it at least 5-6 years later.
So as long as there is no large-scale claims, any insurance company will sell it to make money. This guarantee is no different from 1 year.
■? In the long run, if you really pursue "guarantee renewal", Snail Jun thinks it is better to choose bundled products.
Although Snail Jun has repeatedly stressed that there is no need to pick up sesame seeds and throw watermelons, there are still some good bundles on the market, such as:
1, Health Source Privilege Additional Health Privilege
2. Huaxia Fu Additional Medical Insurance Link
Although the rate is still controlled by the insurance company, at least for life, you don't have to consider the impact of suspension of sales on renewal, which is much more reassuring than the five-year commitment.
■? In fact, to be honest, except for all the millions of medical insurance, Snail Jun is not optimistic about renewal.
Because this essence is something that will definitely lose money, no one can stay in hospital all his life.
Suppose a 30-year-old person has paid millions of medical insurance in 20 years, and the total premium is only 1 10,000 yuan. The high probability is not enough for a hospitalization, which means that the insurance company will definitely pay for it after a long time. No one will do business at a loss, and if they pay too much, they will stop selling.
At present, most of the millions of medical insurance are strictly underwritten, and most of the insured are only between the ages of 25 and 40. So once they reach the age of 50-70, will the insurance company renew their insurance? I doubt it. After all, 20 years is too long.
Of course, buy or buy, buy a peace of mind you have to buy, after all, we can't afford to lose.
In addition to the above, the Iron Man Million Medical Insurance in cosplay Marvel comics has a serious problem-the deductible is as high as 20,000.
Although it has accumulated for five years, it is still very embarrassing for an adult with good resistance. Adults are not easy to get sick, even if they go to the hospital, they are mostly minor illnesses. They can only see the clinic at most, but this can't be deducted from the 2W deductible. The setting of deductible means that it will cost at least 30,000-40,000 medical expenses to use. You can see for yourself whether you have spent such a high hospitalization fee in the past five years. If you have it, you can consider buying it, if you can still buy it.
Snail jun comments:?
This product does have great innovation in the "5-year guarantee renewal", but it is far from enough for a large number of young and middle-aged users in the market. Five years is still too short. It's really hard to say whether to sell it after five years, because this product will almost certainly lose money, only when the explosive tide of claims comes. However, eligible elderly people can consider insuring this product. After all, they are weak and have a good chance of escape. This guarantee of renewal within five years does have a considerable effect.
But for children or adults, I suggest treating them rationally. Micro-medical insurance with advance payment function or Ping An E life insurance with looser underwriting may be a better choice.