Today, let's talk about why the "million medical insurance" is so hot from the following angles.
Low premium and high security
Unlimited social security drugs
Coverage is very wide.
Extra compensation for serious illness
Can "protect the disease"
Subsequent update
The guarantee period of "million medical insurance" products is mostly 1 year, and the premium is usually within several hundred yuan, and the insurance coverage ranges from 1 10,000 yuan, 3 million yuan and 6 million yuan, and some even reach the level of 10 million yuan.
A cup of milk tea every month can get millions of medical insurance.
This kind of propaganda has firmly grasped the pain point of ordinary people's medical treatment: it is difficult and expensive to see a doctor. However, this product is not only cheap in premium, but also has health management service and early payment, which almost meets all the imaginations of ordinary people on insurance products:
Low premium and high safety.
In this environment, more and more people have realized the importance of insurance. However, in order to achieve the protection above 1 10,000, it is necessary to pay a high premium, which is often beyond the ordinary people's ability. And millions of medical insurance, even if the whole family buys it, as long as one or two thousand, most families can accept it.
If you break through the scope of social security, you can reimburse yourself.
External social security drugs and self-funded drugs have always been the pain of ordinary people to see a doctor, and now this pain has also been cured by millions of medical insurance. General quality medical insurance is not limited to drug reimbursement within the scope of social security.
Extra payment for serious illness, especially cancer. Cancer often leads to tens of millions or even millions of medical expenses, which always makes people anxious, but now millions of medical insurance has a higher limit for serious illness or cancer. For example, the general hospitalization medical insurance premium is 3 million, and those diagnosed with cancer or serious illness can be doubled, that is, 6 million, which greatly meets the psychological needs of consumers.
Wide coverage and high reimbursement rate.
Now many insurances cover what you buy. For example, accident insurance can only reimburse medical expenses caused by accidents. The critical illness insurance is more stringent and can only pay for the diseases stipulated in the insurance contract. Occasionally I will encounter an embarrassing thing. I spent a lot of money on insurance, and something really happened. I don't even have the insurance.
Millions of medical insurance does not have this problem. As long as it is normal medical expenses, it can be reimbursed regardless of the social security catalogue (self-funded drugs and imported drugs), diseases and treatment methods. However, it should be noted that the medical expenses of cosmetic surgery, sexually transmitted diseases and other diseases caused by accidents and diseases cannot be reimbursed.
Can be insured in spite of illness, long-term protection
A lot of medical insurance can't be insured after an illness occurs and the insurance company pays the claim. For example, one-year critical illness insurance, if paid, can no longer be insured in the second year, it will lose protection.
However, Million Medical Insurance generally promises not to refuse the renewal of the insured or adjust the renewal premium of the insured separately because of the change of the insured's health status or historical claims. In other words, even if a serious illness occurs, you can continue to enjoy the protection as long as you renew the fee on time.
The waiting time is short.
The waiting period of long-term critical illness insurance is generally 90 days or 180 days. In case of serious illness within 90 days or 180 days after insurance, the insurance company will not pay compensation. The waiting period for millions of medical insurance is only 30 days. There is no waiting period if the medical expenses are caused by accidents. If it is a disease, you can enjoy protection after 30 days.
Online insurance is convenient and quick without physical examination.
High medical insurance generally requires a medical examination to insure, and it needs to be purchased through an insurance agent, not directly by itself. And millions of medical insurance, most of which can be insured online, is very convenient and fast.
The "routine" behind millions of medical insurance
Millions of medical insurance has many advantages, and it is a very cost-effective medical insurance on the market at present. However, before buying, you need to understand the limitations of millions of medical insurance. If we study the core issues such as "how to guarantee and how to compensate", the "routine" behind the marketing gimmick of "million medical insurance" will gradually emerge. Deductible and renewal have become the main points of criticism.
10,000 deductible
Most millions of medical insurance have a deductible of 1 10,000. If it is a minor illness, after the medical insurance reimbursement, the deductible 1 000 yuan will be deducted from the self-paid part. The actual claim amount is not large, and many people may not meet the claim standard. Fortunately, most families can afford medical expenses within 1 000 yuan.
renew an insurance
At present, there is no short-term medical insurance to ensure continuous renewal. Generally speaking, "pay for one year and guarantee for one year". Experts say that millions of medical insurance is a short-term product, which changes rapidly. With the changes of the market, policies and the health status of the insured, its terms or details are likely to change or stop selling, and whether it can be preserved is a variable. However, insurance companies generally promise that there will be new similar substitute products. Customers who switch from old products to new products have no waiting period and can take out insurance despite illness.
Reimbursement insurance
Critical illness insurance is generally paid in advance. Once diagnosed, you can get full compensation from the insurance company for the treatment of the disease. Millions of medical insurance is reimbursement insurance, medical expenses need to be raised and paid by themselves first, and then reimbursed by insurance companies. Fortunately, however, some companies have launched advance payment services.
I bought millions of medical insurance, do I still need critical illness insurance?
The answer is yes. First of all, millions of medical insurance is cost-compensated insurance, which must be based on reasonable and necessary medical expenses, and the compensation amount will not exceed the treatment expenses. Critical illness insurance is a kind of insurance with fixed payment. As long as the serious illness (or mild illness) that meets the agreement is diagnosed, you can get a high amount of claims at one time, and the claims can be freely controlled. Therefore, the compensation amount may far exceed the actual treatment cost. For example, if Mr. Jia suffers from thyroid cancer and the treatment cost is 654.38+10,000 yuan, then the maximum compensation limit of social security+medical insurance cannot exceed 654.38+10,000 yuan. And if he bought 500,000 yuan of critical illness insurance, as long as he is diagnosed, he can get 500,000 yuan of critical illness insurance compensation at one time, and some products may have additional compensation for cancer.
Secondly, millions of medical insurance can be used as a supplement to social security to improve coverage and treatment quality (for example, social security can cover self-funded drugs, and private hospitals do not consider self-funded drugs). The part that can be reimbursed by social security and the part supplemented by medical insurance will not exceed the actual medical expenses at most. However, a serious illness, such as cancer, can not only burn medical expenses, but also include many intangible losses, such as income loss, family members' investment, rehabilitation expenses, nursing expenses, medicine expenses, nutrition expenses and so on. Need critical illness insurance to compensate or pass it on.
Third, in some cases, medical insurance may not be able to help. For example, if you are blind, medical insurance can still work if you have hope for treatment or are being treated. If there is an extreme situation, there is no need for treatment, no need for treatment, then there will be no medical expenses, and millions of medical care will be useless. Critical illness insurance is different. After the diagnosis, you can get compensation directly for the subsequent improvement of your condition, or do something else.
Comment on insurance category:
Configuring insurance to resist the risk of serious illness, the wise man's approach is: medical insurance+medical insurance+serious illness insurance. This triple defense mechanism is a very powerful guarantee for families suffering from serious diseases.