Bao said insurance, focus on insurance assessment! The difference between Ping An eShanghai insurance and other popular million dollar medical insurance?
Because of the poor renewal conditions of Smart Choice Kanghui, the renewal needs to be re-examined, and may not be able to be renewed if your health gets worse or if you have a claim. The basic coverage is 600,000, which is lower compared to most million-dollar medical insurance policies, and there are limitations on the amount of some outpatient visits, such as a maximum reimbursement of 120,000 for special outpatient visits for general medical care. There are also no value-added services such as common medical green passes and expense advances.
Ping An eShang Bao is the main Ping An Insurance million medical insurance product, there are many versions, and now the most favorite is eShang Bao (Guaranteed Renewal Version 2020). Its premiums are quite cheap, and a 30-year-old male buying a 2 million dollar policy works out to only 364 yuan, which translates to just one dollar a day!
But will cheap be good? There are a lot of reviews of eShougang Insurance (Guaranteed Renewal 2020) on the Internet, so I did a research on this product, which you can read
The article is very careful, so I'll just briefly say a little bit about it here.
First of all, I would like to praise its advantages:
1. Good renewal conditions: 6 years of guaranteed renewal, even if the body is not as good as before, or claims, 6 years are guaranteed to be renewed;
2. Cancer coverage is high: general hospitalization has a 2 million dollar coverage, and there is also a 2 million dollar coverage can be given to malignant tumors hospitalization, the highest add up to 4 million;
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3. Premium waiver: Diagnosis of malignant tumors can be exempted from the guaranteed renewal period of the later premiums, the contract continues to be valid.
After saying the advantages, let's look at the disadvantages:
1. Cancer medical deductible: Now there are a lot of products in the same category can do cancer medical or critical illness medical 0 deductible, but this one is also 10,000, not good enough.
2. No hospitalization advances: In case you have to pay a lot of medical bills, this is when it will be very useful.
Overall, this product is still available, but really want to buy a million medical insurance, it is recommended to look at more similar products to compare, in fact, I once helped a friend to do a market popular million medical insurance comparison chart, you may want to look at:
If you haven't selected the preferred product, remember to compare the other products before purchasing the child's insurance Oh