Ping An Health is one of the subsidiaries of China Ping An Insurance Group, and China Ping An Group is one of the largest insurance companies in China. Established 32 years ago, it is a trusted old insurance company.
Although there are many controversies about million-dollar medical insurance, its greatest significance lies in that it can enable families with ordinary incomes to resist the high risks brought by diseases with very little expenditure.
For example, Ping An has been launching the e-life insurance series of millions of medical insurance. With the continuous upgrading, the protection is becoming more and more comprehensive. Recently, I also upgraded the version that can be renewed for 6 years, which makes many friends feel excited.
：
1. More comprehensive critical illness protection.
Although E-Life plus has 6 million critical illness protection, it only covers cancer diseases and is not practical.
The upgraded E-Life Insurance 2020 guarantee 120 kinds of serious diseases, covering all kinds of serious diseases with high incidence and paying 2 million yuan, is more practical.
2. The hospitalization guarantee time has increased.
E-Health plus originally only guaranteed medical expenses for 7 days before and 7 days after hospitalization, while the upgraded E-Health Insurance 2020 guaranteed medical expenses for 30 days before and 30 days after hospitalization.
Compared with similar medical insurance, it is usually 30 days after the first 7 days, and E-Health Insurance 2020 is also very advantageous.
3. Optional proton heavy ion protection responsibility
Proton heavy ion therapy is a very advanced tumor radiotherapy technology in the world. Compared with traditional radiotherapy methods, proton heavy ion therapy can accurately locate and radiate less to healthy tissues.
The upgraded E-Life Insurance 2020 has added the optional safeguard responsibility of proton heavy ions, with the insured amount of 65,438+0,000,0 deductible and 65,438+0,000% reimbursement.
If you have a small partner who has special needs for proton heavy ion protection, you can consider this >:>& gt Enjoy E-life.
How to evaluate the enjoyment of e-health million medical insurance? 15 agree with 4 comments and answers
4. Additional medical services in Asia can be provided.
If you are diagnosed with six specific diseases stipulated in the insurance contract, you can go to other Asian countries for medical treatment, up to 6 million yuan, and you can reimburse 70% of the medical expenses, and the remaining 30% needs customs duties, which is not low for overseas medical treatment.
This optional service is suitable for families with rich economy and pursuing high-quality medical care.
5. Concluding statement
Generally speaking, Ping An E Life Insurance 2020 has comprehensive protection, and the product price is slightly expensive, which is suitable for customers who prefer Ping An big brands.
However, Ping An E Life Insurance 2020 does not support guarantee renewal, which is slightly behind Ping An E Life Insurance Renewal Edition. Let's analyze the changes of the new and old E-life insurance (renewal version).
Insurable value
Insurable value is the actual value of the subject matter insured. According to China's Insurance Law, if the insured and the insurer have an agreement on the insured value of the subject matter insured and specify it in the contract, when the subject matter insured suffers losses, the agreed insured value shall be taken as the compensation calculation standard.
If the insured and the insurer have not agreed on the insured value of the subject matter insured, when the subject matter insured suffers losses, the actual value of the subject matter insured at the time of the insured accident shall be taken as the compensation calculation standard.
Simply put, the insured value can be determined by three methods:
(1) According to the provisions of the law and the contract law, the law and the contract law are the fundamental basis for determining the insurance value;
(2) According to the insurance contract and the agreement of both parties. It is difficult to measure the insurance value of some insurance objects, such as life insurance and health insurance. If people's health and life cannot be measured by money, the insurance value shall be agreed by both parties.
(3) Determine the insured value according to the change of market price. The insured value of some insurance objects is not always constant. Most of the subject matter will also depreciate with the passage of time, and its insurance value will show a downward trend.