Method 1: Look at the rationality of product guarantee content and value-added services.
Learn about the underwriting company, guarantee content, renewal stability, rate and other information of millions of medical insurance through the form. Take Zhongan Enjoying Electronic Health Edition 2022 as an example, let's take a look at the guarantee content:
1, from the insurance age: this product is very friendly, and the longest insurance can be up to 70 years old. Many products do not provide protection for the elderly at the age of 55-60;
2. From the perspective of security responsibility, the security content is relatively rich, including general medical care, serious illness medical care, proton heavy ions, and out-of-hospital specific drugs. Not only that, the product expands the protection of "minors" and "special equipment for female tumors", and also comes with it;
The optional responsibilities are also very diverse. One is a critical fuel pack, which includes hospitalization allowance for critical illness and hospitalization allowance for critical illness ICU. , as well as the responsibility of cancer special medical refueling package and internet medical refueling insurance;
3. From the perspective of value-added services, it covers green links (hospitalization arrangement, examination acceleration, expert outpatient service, operation arrangement, postoperative care), hospitalization advance, video consultation, graphic consultation, health information, cancer special medicine service, worry-free medicine service for chronic diseases, early cancer screening or pet health management, which is very practical.
Method 2: Look at the stability of product update.
Medical insurance in the market is mainly divided into short-term million medical insurance and long-term million medical insurance, but if people want to be reliable, try to choose long-term stable products, which is also the advantage of million medical insurance.
Looking at the advantages and disadvantages of Zhongan Insurance's 6 million medical insurance, the stability of renewal is very important. Take Zhongan exclusive e-health 2022 product as an example:
The product is guaranteed 1 year, and the insurance company needs to agree to renew the guarantee next year, so the risks such as claim settlement, poor health and product suspension cannot be avoided, which needs attention.
Method 3: See if the product exemption clause is reasonable.
There is no uniform regulation on the scope of exemption for millions of medical insurance. Insurance companies have different practices, but daily insurance. Pay attention to the details that companies A, B, C, D and E can pay, but company F can't. This is the shortage of products.
For example, take Zhongan's exclusive E-Life 2022 product as an example. Many products can pay for advanced medical treatment of occupational diseases, gene therapy, immunotherapy and other cancer treatments, but this product can't and needs attention. See:
The content analysis of advantages and disadvantages of Zhongan Insurance's 6 million medical insurance inventory is introduced here, hoping to help everyone.