? I. Insurance principle: 1. Insurance company: people's health insurance.
2. Guarantee period: 1 year, with 6 years as a guarantee renewal period.
3. Deductible: within 6 years, * * * will enjoy the deductible of 1 1,000 yuan, with zero serious illness.
4. Waiting period: 30 days
The following is an in-depth evaluation of good medical insurance and long-term medical care:
& gt& gt& gt It is said on the Internet that "good medical insurance" is not good. Is it true?/You don't say.
Two. Insurance coverage: A. General hospitalization expenses: 2 million.
Hospitalization expenses insurance: hospitalization expenses; If the contract is not processed at the expiration date, the longest extension can be 180 days.
Special outpatient medical expenses insurance: outpatient renal dialysis;
Outpatient malignant tumor: chemotherapy, radiotherapy, tumor immunotherapy, tumor endocrine therapy, tumor targeted therapy; Anti-rejection therapy after organ transplantation.
Emergency before and after hospitalization: 7 days before hospitalization and 30 days after discharge.
B hospitalization expenses for major diseases (100): 4 million.
Insurance premium for hospitalization medical expenses for major diseases:
Medical expenses incurred in hospitalization for major diseases; If the contract is not processed at the expiration date, the longest extension can be 180 days.
Insurance premium for special outpatient medical expenses for major diseases: outpatient renal dialysis; Outpatient malignant tumor: chemotherapy, radiotherapy, tumor immunotherapy, tumor endocrine therapy, tumor targeted therapy; Anti-rejection therapy after organ transplantation.
Insurance premium for outpatient medical expenses of major diseases: major diseases requiring outpatient surgery.
Emergency before and after hospitalization for major diseases: 7 days before hospitalization and 30 days after discharge.
C The limit of proton heavy ion therapy is 6.5438+0 million, the compensation ratio is 60%, and the waiting period is 90 days.
D. renewal rules:
① Every six years is a guarantee renewal period: the rate is unchanged, and the renewal will not be refused because of the change of health status, and the renewal will not be refused because of the suspension of sales.
② After the expiration of the contract, the insurance premium rate will not be adjusted separately due to changes in health status or historical claims, and the product will not be renewed if it is discontinued.