Previously, the snail gentleman has constantly reminded everyone that it is useless to tell you that there is a guaranteed renewal, as long as it is not written in the contract, it is all a trick. But there are still a lot of people out there who believe in the word "renewable to age 99", which is a play on words. What's even more frightening is the firm wishful thinking.
Whenever you talk about Medicare, you inevitably talk about renewal.
Now the market is divided into two main factions:
■ Ping An e life insurance, Allianz Zhen Ai as the representative of the "critical illness can also be renewed" faction.
■ And then there's the "guaranteed renewal for a period of time" school represented by iWorryFree
Many people ask me if there's a guaranteed renewal medical insurance. The snail gentleman can only direct point to wake up: do not think, this kind of insurance can buy a year is a year, buy a year is to take advantage of a year cheap, still want to buy a lifetime? What do you think
Some people have come out to challenge: you look at the guaranteed renewal of medical insurance for 6 years! Now are young, the six-year probability of serious illness was small, and renew the policy for six years have directly buy a 5-year long-term million medical reliable? (Snail gentleman do not want to tell you that this 5-year million medical called the pill, well, the name is really good, so good, I really want to be a 50-year period of how good it is ah)
Million medical, unless it is a long-term contract, otherwise the renewal of this matter, is to spell luck.
Another person came out and challenged: look at the medical insurance pass, the contract promises a lifetime as long as the payout does not exceed 5 million can always be renewed. Well, although you have sold you a critical illness insurance earned you a sum of money, but the bull is still blowing a little big, thought the critical illness can make money, the results of the Huaxia critical illness insurance series has been paid through, originally thought of the main insurance to make money, the additional loss of a little bit does not matter, the results of the accidental loss of the main insurance, the game is how to still be able to play on, what's worse is that the provisions of this was seen by the Bancassurance Supervision, directly under the ban to not allow so much bragging,
Another challenge: the medical insurance passes the contract as long as the claim is more than 5 million, you can always renew the contract. The first thing you need to do is to get your hands on a new one, and then you'll be able to get a new one.
The snail gentleman does not want to tell you that the medical insurance pass is forced by the regulation of June 30th off the shelves, private will quietly sell snail gentleman do not know, but in the future Huaxia can no longer be so bright bragging, of course, has bought the user, because it has already signed the contract, so the contract continues to be effective, even if it is a payout through the insurance company in tears have to pay off the end
Recently, the actuaries with the The topic of the old chat with the actuaries, the mention of million medical, the actuaries are a face of contempt, for the white users of the delusion can not be understood. Actuaries, ah, will only use the data to speak, rational to the extreme people, million health care the day of the big sale met its death.
There will be a day when insurance companies will be burdened with a huge medical burden and then choose never to step into this battlefield again; there will be a day when insurance companies that use million dollar healthcare as a way to gain customers can no longer tolerate it and tell the audience that seiyuu na; there will be a day when the big reinsurers won't be able to play, and with no more wholesale sources of supply, insurance companies naturally won't be able to put all the burden of payouts on their own backs. The insurance companies will naturally not carry the burden of paying out all the claims on their own. (Note: Insurance companies usually buy most of the claims for their million-dollar medical buyers and leave a small portion of the risk on their own, so no one can escape from the responsibility of paying out in this game)
The snail doesn't know which of these possibilities will come first, and it won't be for a few years anyway. For the obvious risk is very great, but in the sale of a variety of exaggerated engage in word games of insurance companies, the BIA really can not tolerate. Today, the official website directly issued a document, one year and below the health insurance does not contain a guaranteed renewal clause, the so-called continuous renewal of the same said, almost all of the medical insurance advertisements have been tricked, and in the future is strictly prohibited to "guaranteed renewal" concept of misleading consumers.
So in the future, don't be fooled again, unless the long-term medical insurance, there is no way to break the game, but long-term medical insurance, and how long it can be insured? How confident are the insurance companies to insure long term? Can buy a year is a year, the important thing is to buy a good long-term critical illness insurance, a long-term contract in hand is the most secure. Those who don't meet the physical requirements and can't buy it, don't regret it, others won't be able to buy it in a few years anyway.
(Insurance professional anti-pits, just look at the snail gentleman Zhihu number: snail said insurance)