In fact, these three products are essentially the same, but the sales channels are different and they have changed their names. The product sold by Pacific Health Insurance itself is called blue medical insurance, the version cooperated with Huixuan Insurance is called worry-free medical care, and the version cooperated with Tencent Micro-insurance is called micro-medical insurance long-term medical insurance.
Take micro-medical insurance and long-term medical insurance as a model to introduce some advantages of this product:
Guarantee to renew the warranty for 20 years, and don't worry about the interruption of warranty and the suspension of product sales due to the change of health status.
High cost performance, complete guarantee responsibility. There is a 15% discount for the joint insurance of three or more families, and * * * enjoys the deductible 1 ten thousand yuan.
You can choose to buy 88 kinds of special drugs, including 2 kinds of Car-T drugs, so you can choose the best treatment plan with confidence.
Including early medical treatment, ward appointment, second diagnosis and treatment and other practical additional services.
The insurance age is relatively wide, currently 0-55 years old. According to the information released by Weibo in Zhihu, the follow-up will be open to 65 years old.
On the whole, whether it is blue medical insurance, worry-free medical insurance or micro medical insurance, long-term medical insurance is a very good medical insurance product, suitable for people around 30 years old. Because these people are old and young, their work and life are under great pressure, and their health status is easy to change, which leads to problems in renewal and insurance. It is more reassuring to choose 20-year long-term insurance. At the same time, the middle-aged and elderly people around 50 years old are also suitable. The age of 50+~70+ can get all-round medical security, and they need health security most.
Although there is no obvious difference between blue medical insurance and worry-free medical insurance and micro-medical insurance long-term medical insurance in the product itself, considering that in daily life, the frequency of using WeChat is significantly higher than that of insurance apps, relatively speaking, micro-medical insurance long-term medical insurance can be found in WeChat applets, so whether you are insured or viewing insurance policies, the experience is better.