Next, the senior will make a professional evaluation of this product called e Kangyue. This evaluation is to let everyone know more about this product. Don't miss it!
Before the text, my senior sister sent a free gift: please see the list of 10 million medical insurance!
1.E What is the coverage of China Life Insurance such as Kangyue Million Medical Insurance? Any highlights?
In order to facilitate your understanding, the following is the product protection map prepared by Senior Sister:
Senior sister thinks so. From the pros and cons, for example, e Kangyue Million Medical Insurance prefers the latter. It is not easy to pick out its advantages.
The waiting period of 30 days is a highlight of e Kangyue Million Medical Insurance. You may not know that if you encounter danger during the waiting period, you can't get compensation according to the regulations, which means that the longer the waiting period, the later the protection will come.
Generally speaking, it is reasonable to set the waiting period for millions of medical insurance at 30 days. If the waiting period exceeds 30 days, we should think about whether it is worthwhile to wait for such a long time.
Although the waiting period is not particularly important, it is not so easy to get compensation if you ignore it when you apply for insurance: the waiting period insurance company will not lose money, will it? If you don't understand, you will suffer a big loss!
There is no limit to reimbursement within social security, which makes e Kangyue Million Medical Insurance attract many people. If the expenses meet the insurance terms and are necessary, they can be reimbursed. Compared with millions of medical insurance that can only reimburse drugs in social security, it allows fewer reimbursement restrictions.
All the above are the highlights of e Kangyue Million Medical Insurance, and the following are the key points. I want to tell you about its loopholes, which may make you lose confidence in this insurance product.
Second, after reading these points, I can only say that e Kangyue is a long story!
For example, e Kangyue Million Medical Insurance has these defects:
1, renewal is not guaranteed.
Millions of medical insurance is generally bought for one year and guaranteed for one year. If you don't need to renew your insurance, it doesn't matter whether you renew it or not, but once you make a claim or your health deteriorates, you can't renew your insurance. It's a pity.
If the product is guaranteed to be renewed, even if you make a claim or the product suddenly stops selling, it will not affect your renewal.
Then China Life Insurance, such as E Kangyue Million Medical Insurance, is not guaranteed to be renewed, which means that we may not be able to buy Million Medical Insurance in the future!
2. Insufficient protection.
China Life Insurance, such as E Kangyue Million Medical Insurance, only has hospitalization allowance for malignant tumor, and there is no proton heavy ion protection, but the latter is more practical.
Because proton heavy ion is a better technology to treat malignant tumor, but the cost is high, if it can be reimbursed, it will also reduce a lot of burden for the insured.
At present, many millions of medical insurance companies have written proton heavy ion services into the scope of reimbursement, such as Ping An E Life Insurance and JD.COM Allianz Zhenai Unlimited, while E Kangyue Million Medical Insurance has only one hospitalization allowance, which is too weak for the cancer protection of the insured!
Due to space limitations, senior students will not continue to elaborate on e Kangyue. If you want to know more, you can read more exclusive evaluation articles related to it online, such as e- Kangyue Medical Insurance 202 1. Be careful of these three shortcomings!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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