1. When the medical expenses incurred in the remaining policy year from the date of diagnosis are paid in medical insurance coverage for malignant tumors, there is no deductible;
2. In case of continuous insurance, there is no deductible for the related medical expenses arising from the treatment of malignant tumor in the subsequent policy year.
For more terminology analysis of this product, please see my answers arranged below.
It is recommended to buy medical insurance first, and then buy commercial medical insurance. Medical insurance is the most basic guarantee, there is no restriction on health, basically everyone can buy it, and the price is very cheap. Commercial medical insurance is a supplement to medical insurance, and its coverage includes some items that cannot be reimbursed by medical insurance, such as reimbursement of imported drugs and reimbursement of high-end medical expenses.
There are many kinds of medical insurance, such as millions of medical insurance, hospitalization insurance and cancer insurance.
Let's talk about these three in detail:
1, millions of medical insurance
Most people can buy millions of medical insurance, because its reimbursement is high, but the price is very low. At the same time, it does not limit the types of diseases to be reimbursed. The premium is several hundred yuan a year, but it is more valuable to protect millions. In addition, millions of medical insurance covers a wide range, such as bed fees, nursing fees, surgery fees, medicine fees, materials fees and so on. , can be reimbursed.
Next, I will analyze several popular million medical insurance for you:
Combine the pictures and you will know.
(1) Good medical insurance: Few millions of medical insurance guarantees six-year renewal. In these six years, you can renew your insurance anyway.
(2) Enjoy E-health: increase postoperative home care, special medical services for cancer, and increase the option of family deductible.
(3) Micro-medical insurance: Compared with the other two models, this model adds a value-added service: international secondary diagnosis and treatment. You can get professional written medical advice from international doctors.
As can be seen from the above analysis, each product has its own unique advantages. When choosing to buy products, you can choose according to your own needs.
In addition to these three models, there are many millions of medical insurance products worth planting grass. Interested friends can click on the original text to see: What are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020
2. Hospitalization medical insurance
Low deductible and subsistence allowance are the characteristics of this kind of medical insurance. This kind of insurance is mainly used for outpatient reimbursement, generally for babies under 5 years old or the elderly. Because children and the elderly have weak resistance, they are more likely to be infected by viruses and bacteria and have a cold and fever. Relatively speaking, it is more useful to buy this insurance.
3. Cancer medical insurance
Because millions of medical insurance and hospitalization insurance are mostly insured at the age of 0-60, the elderly can't be insured, but they can be insured with anti-cancer medical insurance.
Anti-cancer medical insurance is a kind of insurance specifically for cancer. The health information of this insurance is relatively loose, and the elderly can also take out insurance. Old people or people in poor health want to buy medical insurance, which is very suitable.
This price is greatly influenced by physical fitness and age. The following are some relatively low-priced anti-cancer medical insurance, which can be collected if necessary: What are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020