Medical insurance for the elderly in cities and towns recommends investment promotion, CIGNA and Le Kang worry-free.
China Merchants Cigna's "Le Kang Worry-Free" refund-oriented hospitalization medical insurance plan not only takes into account the dual functions of insurance and premium refund, but also reduces risks and relieves economic pressure for people. It also has the following five characteristics: Is the return insurance cost-effective? I just sorted out the relevant contents, hoping to help you: What's the difference between consumer insurance, savings insurance and return insurance? Which is better?
1, long-term security is more secure. People only need to pay 15 premium to enjoy ultra-long-term security until they are 70 years old;
2. The high return is satisfactory, and it will survive until the contract expires. Whether there is medical compensation or not, 1.28% of the premium paid is returned, which is an individual hospitalization medical insurance with dual functions of insurance protection and premium return;
3. Personal hospitalization medical insurance with guaranteed hospitalization income, taking into account the hospitalization responsibility of accidents and diseases, without affecting medical security such as social security, and paying hospitalization allowance on a daily basis without deducting deductible days; For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!
4. Critical illness protection is more intimate. After the waiting period, if you are admitted to the intensive care unit for the first time due to a serious illness agreed in the contract, you can get personal hospitalization medical insurance with a maximum allowance of 7 times;
5. Premium exemption is more humane. If the first diagnosis is a serious illness as agreed in the contract due to an accident, or the first diagnosis is a serious illness as agreed in the contract after the effective date of the contract/0/80 days after kloc-0/80 days after the last recovery 180 days, the remaining premium after diagnosis will be exempted, and the guarantee will not be affected; 6. Give extra value-added, give a one-year "second medical advice service", and the world's top medical institutions provide diagnosis and treatment advice to avoid the worry of misdiagnosis and ensure timely and effective treatment.
Reasons for recommending medical insurance for the elderly in worry-free towns in Le Kang
Why does medical insurance for the elderly in cities and towns recommend investment to make Le Kang worry-free? The reason for this is the following：
As a vulnerable group, the elderly are more likely to get sick than other groups. The elderly around 60 years old have entered the peak period of onset. However, China's social medical security system is still not perfect, and there is still a big gap with developed countries, which cannot guarantee that every sick elderly person can get timely and effective treatment at the first time. At the same time, with the development of society and the continuous improvement of medical technology, all kinds of medical examination and treatment equipment are becoming more and more expensive, which directly leads to the rising medical expenses and makes it more and more difficult for the elderly to seek medical treatment. China Merchants Cigna Le Kang's worry-free return hospitalization medical insurance provides comprehensive health protection for the elderly to a certain extent.
People who apply for old-age medical insurance can reimburse certain medical expenses during hospitalization, which greatly reduces the economic pressure of patients and avoids the losses caused by not receiving treatment in time. At the same time, they can enjoy a better medical environment and medical facilities within a certain economic tolerance. Choose a certain type of medical insurance for the elderly in cities and towns. If you are healthy all your life, you can get all the insurance money back at the end of your life and leave it to your children as a fortune. This is a product worthy of the elderly.