Whether it is suitable or not depends on your security needs, risk possibility, budget, etc. At present, this product has been upgraded to 17 version, but the difference with 12 version is not particularly great. Let me give you a brief introduction.
Before buying commercial medical insurance, it is recommended to configure medical insurance. Medical insurance is the most basic guarantee and the government's welfare policy for the people. The price is cheap and there are no insurance restrictions, so almost anyone can buy it. Commercial medical insurance is a supplement to medical insurance, which can reimburse items that cannot be reimbursed by medical insurance, such as high-end treatment and special treatment.
There are many kinds of medical insurance on the market at present. There are millions of medical insurance, hospitalization insurance and cancer insurance.
Let's talk about the differences between the three in detail:
1, millions of medical insurance
Most people are suitable for millions of medical insurance, with high insurance premium and low insurance premium. At the same time, there are no restrictions on the types of diseases that can be reimbursed. The premium is several hundred yuan a year, but the protection is several million, which is more valuable. In addition, it also contains a very comprehensive security content, such as bed fee, nursing fee, operation fee, medicine fee, material fee and so on. , can be reimbursed.
Let me give you a brief analysis of several popular million medical insurance:
As can be seen from the figure.
(1) Good medical insurance: This renewal condition is unmatched by many products. During these six years, there will be no refusal of insurance or increase of expenses due to product suspension or physical changes.
(2) Enjoy E-health: increase postoperative home care, special medical services for cancer, and increase the option of family deductible.
(3) Micro-medical insurance: the second value-added service of international diagnosis and treatment is a highlight of this model.
According to the above analysis, it is not difficult to know that different products have different advantages. When choosing to buy products, you can choose according to your own needs.
In addition to these products, there are other products with high prices and worth buying. Friends who want to know can look at the original text:
2. Hospitalization medical insurance
Low deductible and subsistence allowance are the characteristics of this kind of medical insurance. This kind of insurance is mainly used for outpatient reimbursement, and generally younger babies or older people are more suitable for insurance. Because children are weak, the function of the elderly declines, and the probability of getting sick is relatively high. Relatively speaking, it is more useful to buy this insurance.
3. Cancer medical insurance
Because the maximum insured age of million medical insurance is about 60 years old, the elderly can't be insured, but they can be insured against cancer.
Anti-cancer medical insurance is an insurance designed for cancer, which has the characteristics of loose health information and wide insurance age. This model is more suitable for those who have minor faults or are older.
This price is greatly influenced by physical fitness and age. Here are some anti-cancer medical insurances worth buying. You can refer to: What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020