Short-term health insurance refers to health insurance with a guarantee period of one year or less, excluding the guarantee renewal clause.
Short-term health insurance shall not mislead consumers by using the words "automatic renewal", "promised renewal" and "life-long limited coverage" in product terms and promotional materials.
Products that do not meet the notification requirements must be discontinued before May 1, 202 1.
First, about one million medical insurance.
Million medical insurance is a kind of commercial medical insurance. Because of its high insurance coverage, it can reimburse millions of medical expenses at most, so it is called "millions of medical insurance".
Its insurance coverage is very high, which can reimburse the expensive medical expenses caused by hospitalization. After the general medical insurance reimbursement, the remaining medical expenses can basically be reimbursed, and the reimbursement amount is up to several million.
Its premium is cheap, a few hundred dollars a year, and it can provide the most basic medical insurance. Make sure you get sick and have money to see a doctor.
Second, health notification
Million medical insurance has high coverage and low price, but the insurance conditions are strict.
When insured, the insured needs to be informed of his health and truthfully inform his health status. If you don't meet the requirements of health notification, you can't get insurance.
If you have hypertension, diabetes, hepatitis, kidney disease, colitis and other diseases, it is difficult to choose a suitable million-dollar medical insurance.
At present, the coverage period of millions of medical insurance is 1 year. Buy it every year, and make a health notice every time you buy it.
If the insured's physical condition deteriorates or claims occur, it may not meet the requirements of health notification and cannot be insured normally.
Third, guarantee renewal.
Millions of medical insurance has strict conditions. I bought it this year, but I may not be able to buy it next year.
Is there a million-dollar medical insurance that can be insured continuously?
Many insurance companies have launched millions of medical insurance, which can guarantee renewal. The so-called guarantee renewal means that during the guarantee renewal period:
1) is not affected by the deterioration of the insured's physical condition or insurance claims.
2) Insurance will not be affected by the suspension of product sales.
3) The product rate remains unchanged.
According to whether to guarantee renewal, millions of medical insurance can be divided into two categories:
No guarantee of renewal
For example, tinker bell has millions of medical insurance, Zhongan enjoys e-health 202 1, and enjoys e-health millions of medical insurance.
Guaranteed update
Such as ping an e life long-term medical insurance (20 years) and good medical insurance long-term medical insurance.
According to the regulations, the products that need to be discontinued are mainly products that do not meet the specified requirements and cannot be guaranteed to be updated, so as to ensure that the updated products are not affected.
Fourth, hot product evaluation
There is no best million medical insurance, only the one that suits you best.
Buying millions of medical insurance requires comprehensive consideration of your age, gender, social security status, physical health and other factors.
We selected six popular millions of medical insurance, and evaluated it from the aspects of insurance rules, coverage content, renewal rules, value-added services and premiums.
1) Comprehensive guarantee content, value-added services and renewal conditions:
Good medical insurance Long-term medical insurance (6 years) and good medical insurance Long-term medical insurance (20 years) are the only files.
You can buy it directly from AliPay.
2) For people with poor health:
You can consider enjoying e-million medical insurance, and people with three highs and hepatitis B virus carriers can also be insured.
Verb (abbreviation of verb) Other considerations
To buy millions of medical insurance, there are several factors to be considered besides the insurance conditions, coverage contents and renewal conditions.
0 1 purchased drugs
Affected by the control of medical insurance costs and the proportion of drugs in hospitals, many expensive specific drugs and imported drugs are simply not available in hospitals, and patients need to go to hospitals to buy drugs.
If millions of medical insurance can reimburse the cost of purchased drugs, it will greatly reduce the medical expenses of patients.
02 prepaid expenses
Being seriously ill, hospitalization expenses are not a small expense, and many families may not be able to afford so much money for a while.
If the million-dollar medical insurance provides advance payment service, patients don't need to pay for it themselves.
Go to see a doctor.
Medical resources in first-and second-tier cities are tight, and it may be hard to find a bed when you are sick.
If millions of medical insurance provides medical green services, patients can enjoy one-stop services such as expert appointment, hospitalization arrangement and operation arrangement.
Sixth, write it at the end.
Million medical insurance is the most recommended insurance for Little Oak. When it is used in conjunction with medical insurance, it can provide us with the most basic medical security.
Regardless of adults, old people and children, it is recommended to buy one as long as physical conditions permit.
If you are in poor health and can't buy millions of medical insurance, you can buy Huimin insurance introduced by the local government.