What's the difference between enjoying E-Life 2022 and 2023?
Friends who have enjoyed the 2022 version of E-Student know that the 2022 version is outstanding among similar products.
I believe that enjoying E-Life 2023 will not disappoint people.
What's the difference between the 2022 version and the 2023 version of E-student?
Make it clear in an article.
Enjoy electronic life 2022 and compare 2023.
Dad's summary
First, enjoy the electronic life in 2022 and compare it with that in 2023.
For your convenience, Dad has compiled two versions of e-health 2022 and 2023 in the following table. Let's have a look.
As can be seen from the table, there are still many differences between enjoying E-students 2022 and 2023.
Difference 1: General medical responsibility
In the exclusive E-student 2022 edition, the general medical responsibilities only include: hospitalization medical expenses, special outpatient medical expenses, outpatient surgery medical expenses, and emergency medical expenses for 30 days before and after hospitalization;
On the basis of the 2022 edition, Enjoying E-Life 2023 added the general emergency medical responsibility, and enjoyed the insured amount of 3 million yuan and the deductible of 654.38+0 million yuan with the general medical responsibility.
Medical expenses, first aid expenses, inspection expenses, treatment expenses, medicine expenses, ambulance use fees, etc. Can be reimbursed, the highest reimbursement ratio 100%.
It is equivalent to lowering the threshold for claims, and even some minor problems that do not require hospitalization can be reimbursed.
Difference 2: special drug protection outside the hospital
Enjoy e-health 2023. On the basis of the 2022 edition, 1 cancer specific drugs and 15 international specific drugs have been added.
Cancer protection has been further enhanced, among which 15 kinds of international special drugs are mostly foreign-listed special drugs for lung cancer and leukemia.
It should be noted that the special drugs for rare diseases in E-Health 2022 are limited to minors, but there is no such restriction in the 2023 edition.
Difference 3: specific equipment consumables
Enjoy E-Student 2022, and provide special equipment and consumables for adult women and minors under 17 years old, but the 2023 edition does not have this responsibility.
1 Adult female: Adult female only, suffering from malignant tumor-severe, can be reimbursed for the cost of breast prosthesis for primary breast reconstruction.
Minors: For the insured who was born more than 30 days to 17 years old, if unfortunately suffering from type I diabetes, the required cost of insulin pump equipment can be reimbursed.
Difference 4: Critical illness protection
Enjoy E-Student 2023. On the basis of the 2022 edition, two guarantees are added: referral from different places for serious illness and hospitalization nursing expenses for serious illness.
It is more practical to enjoy E-Health's 2023 version of critical illness protection, which can be regarded as economic compensation for the insured after suffering from serious illness.
Variance 5: Optional Responsibility
In terms of optional responsibilities, the exclusive E-student 2023 added the responsibility of protecting family property on the basis of the 2022 edition.
During the warranty period, after a waiting period of 7 days, if the house and indoor accessory equipment, indoor property, indoor decoration are lost or a third party is liable for personal injury or death due to the reasons agreed in the contract, the insurance company will pay the corresponding insurance money.
In addition, the insured can also choose one of the three services of emergency unlocking, home appliance maintenance and toilet dredging within one year.
Difference 6: Premium
In terms of price, there is not much difference between the 2022 edition and the 2023 edition of E-student.
The premium for the first year includes social security. Without additional responsibilities, the gap between the 0-year-old version and the 30-year-old version is only a few tens of yuan, which is almost negligible.
The above are the main differences between the two versions of Enjoy E-Life 2022 and 2023.