Worry-free flagship of medical insurance enjoys four schemes, corresponding to scheme 1, scheme 2, scheme 3 and scheme 4 respectively.
Option 1: general medical care is 200,000 yuan; 200,000 seriously ill medical care; The hospitalization allowance for malignant tumor is 50 yuan/day, with a one-time payment of 90 days, with a maximum of 180 days throughout the year; Intensive care hospitalization allowance 100 yuan/day, the maximum payment is 30 years, and the whole year does not exceed 60 days.
Option 2: 500,000 yuan for general medical care; 500,000 seriously ill medical care; The hospitalization allowance for malignant tumor is 50 yuan/day, with a one-time payment of 90 days, with a maximum of 180 days throughout the year; Intensive care hospitalization allowance 100 yuan/day, the maximum payment is 30 years, and the whole year does not exceed 60 days.
Scheme 3: General medical care is 6.5438+0 million yuan; Critical illness medical treatment 1 10,000; The hospitalization allowance for malignant tumor is 100 yuan/day, with a one-time payment of 90 days, and the highest annual allowance is 180 days; Intensive care hospitalization allowance 150 yuan/day, with a maximum payment of 30 years and no more than 60 days throughout the year.
Option 4: 3 million yuan for general medical care; Critical illness medical care 3 million; The hospitalization allowance for malignant tumor is 50 yuan/day, with a one-time payment of 90 days, with a maximum of 180 days throughout the year; Intensive care hospitalization allowance 100 yuan/day, the maximum payment is 30 years, and the whole year does not exceed 60 days.
The characteristics of this million medical insurance are:
1, renewal terms
The renewal clause of this medical insurance is that the insurer will not adjust the insured's rate or refuse the insured to continue insurance because of the change of the insured's health status, which means that it promises to renew insurance.
This renewal clause does not meet the new short-term health insurance regulations, so it has to be sold off the shelf. At present, all the millions of medical insurance on the market are either renewed every year as short-term health insurance; Either guarantee to renew the insurance for several years and become long-term health insurance.
2. Value-added services
It is useful to enjoy direct payment of hospitalization deposit and direct payment of targeted drugs outside the hospital to reduce the burden on patients.
3. Product characteristics
100 serious illness can be exempted from compensation, and general medical care can be exempted from compensation, such as hospitalization allowance for malignant tumor and hospitalization allowance for intensive care. The daily allowance for cancer hospitalization is 100 yuan, which is enough to pay the food expenses of patients and their accompanying families and effectively reduce the medical expenses.
Considering that Taiping Property Insurance has many outlets in China, although this product has been discontinued, it is still quite good from the previous product form.