It can be guaranteed that renewal is the most relaxed renewal clause at present, and there is no need to worry about stopping selling or refusing to renew the warranty during the whole renewal period.
The longest warranty renewal period in the market is 20 years. The product covered by Spark Insurance Million Medical Insurance is Zhongan Anxiang Electronic Health, which is not guaranteed to be renewed, and is reviewed every year.
Two. exonerate
Because there is no uniform provision for the exemption clause of million medical insurance, the medical insurance products on the market are uneven, and the same diseases are underwritten by different companies, some of which are compensated and some are not.
We must pay attention to unreasonable exemptions, such as ectopic pregnancy, occupational diseases, thyroid diseases within 120 days, tonsil diseases, etc. Not all the millions of medical insurance companies are liable.
Third, cancer outsourcing drugs.
Drugs purchased for cancer are drugs that hospitals don't pay for. You need to take the doctor's prescription to the drugstore outside to buy it. If medical insurance doesn't reimburse you, plus commercial insurance doesn't compensate, it's a big self-funded expense that few families can afford.
Spark Million Medical Insurance needs to pay attention to whether there are drugs purchased for cancer, some of which are self-contained and some need extra insurance.
Fourth, value-added services.
Is it reliable for Spark to insure millions of medical insurance? Spark million medical insurance needs to pay attention to value-added services. Value-added services are provided by insurance companies free of charge, covering the whole process from examination to discharge, including but not limited to appointment of experts, medical green links, bed arrangement, hospitalization expenses advance, etc.
Verb (short for verb) pays the price.
It is unrealistic to talk about safety regardless of price. After all, the premium is paid every year, and the risk of disease is uncertain. Once the premium expenditure exceeds 30% of household income and takes up other household expenses, the normal operation of the whole family will be affected, but this will put the cart before the horse.
Spark insures millions of medical insurance, and the annual premium is thousands or even hundreds, which is within a reasonable range.