In terms of sum assured, the total annual sum assured is RMB 1,000,000, 1,000,000 and 2,000,000 respectively, and the outpatient liability sum assured is nil, 15,000 and 30,000 RMB; all three plans have the option of either a 0% deductible or a RMB 15,000 deductible, and premiums can be reduced even further (see the Benefits Table and Rate Chart below).
The policy age is from 15 days old to 65 years old, and can be renewed up to 99 years old. And minors aged 6 years and above can be insured separately. Taking 6 years old as an example, the insured amount of "Perfect Choice" - Continental Plan is 1,000,000 (including 15,000 for outpatient), with 0 deductible and 20% co-payment for expensive hospitals, and the first year premium is RMB 14,631 (Beijing) or RMB 11,559 (non-Beijing)
In terms of details, although it is emphasized as a mid-range product for coverage, it can still realize the direct settlement of medical bills, including the direct payment function of public hospitals (including direct payment of public hospitals). Although the outpatient single consultation limit is RMB500, it has upgraded the Chinese Medicine and Physiotherapy (see definition) to a limit of RMB350 per visit, flexibly adjusted the rates to take into account different regional factors, as well as added a new electronic paperless claims function (up to RMB3,000) as an aid, and so on. Objectively speaking, the price/performance ratio is still very good.
Mid-range medical product: AXA Tianping "Smart Choice"
(Children aged 6 years old and above can be insured separately)
(Due to space constraints, non-Beijing rates are available upon request)
About AXA Tianping
AXA Tianping is a leading insurance company in the Chinese market, and is currently the largest insurance company in China. "AXA Tianping is the largest foreign-funded property and casualty insurance company in China, and is committed to becoming a leading, customer-focused, digital direct insurance brand in China. AXA Tianping was established through the merger of the former Tianping Auto Insurance and the wholly-owned property insurance subsidiary of AXA Group in China. Relying on AXA's strong financial strength, outstanding brand value and excellent professional capabilities, and integrating the rich local experience resources and service network of Tianping Insurance, AXA Tianping is committed to providing timely, convenient and trustworthy insurance services to our customers.
AXA Tianping Health Insurance focuses on customizing high-end health protection plans for high net worth individuals in the Chinese market, leveraging its medical resources in China and the world to bring quality medical experiences to our customers. Our products include Premier Global Individual Medical Insurance, Premier Global Group Medical Insurance, and Premier Study Abroad Peace of Mind Insurance, which is specially designed for Chinese students studying in the United States.
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This article is published by brokerlee (please search for the user with the same name in Knowledge), please contact your nearest insurance broker for product information and insurance advice, and refer to the actual insurance contract and terms and conditions.