I is it worth buying the chronic disease version of Kangbao Million Medical Insurance? Because I- Kangbao Million Medical Insurance Chronic Disease Edition supports the insurance of chronic diseases, Dad chose some Million Medical Insurance with loose health advice for comparison:
The picture comes from Bao Dad.
Comparing the other two products in the table, I Kangbao Million Medical Insurance Chronic Disease Edition is really high in deductible and expensive. In terms of protection, it is not superior to the other two products, and its cost performance is relatively average.
Generally speaking, the purpose of setting the deductible of Million Medical Insurance is to avoid high premium, while the deductible of I- Kangbao Million Medical Insurance for chronic diseases is higher than other products, and the premium is also higher than other products, which is unreasonable.
Among them, the exclusive E-life exclusive edition is a million-dollar medical insurance customized for patients with thyroid nodules, and even after thyroid cancer surgery, they have the opportunity to insure.
So my father's advice to everyone is that if you are just an ordinary patient with hyperlipidemia, gout, cholecystitis and kidney calculi, you can try to take out some excellent million medical insurance on the market.
If you can't insure, you can try other million medical insurance that can be intelligently underwritten. If you can't insure normally, you can consider the chronic version of I Kangbao Million Medical Insurance.
Summary:
As we all know, sub-healthy people or patients with chronic diseases have many restrictions when configuring insurance.
Configuring insurance is not the purpose. A good body should adhere to a healthy lifestyle: exercise, physical examination, reasonable diet, and quit sedentary, staying up late, smoking and drinking.