Okay, this is very good.
Ms. Huang, Ping An Insurance Consultant of China (Shenzhen): I hope I can help you; if you need to buy financial insurance, car insurance, group insurance, corporate loans or learn more, please send me a private message.
What are the main features of Ping An Ankang hospitalization expense medical insurance (hereinafter referred to as "Ankang Medical")?
(1) Hospitalization medical insurance of up to RMB 200,000: The hospitalization medical insurance coverage provided is up to RMB 200,000 per year, resolving customers’ worries about medical expenses;
(2) There is no social security for medical expenses Catalog restrictions: Extensive coverage of medical expenses inside and outside the social security catalog, providing high protection;
(3) The maximum renewal age is up to 80 years old: the maximum renewal age is up to 80 years old, protecting you for a long time;
(4) The cumulative compensation limit for renewal is up to 600,000 yuan: If the customer applies for continuous insurance and we agree, the maximum cumulative compensation limit during the continuous health care period is 600,000 yuan, so you no longer have to worry about long-term illness expenses;
(5) High cost performance: comprehensive coverage, high coverage amount, and low rates.
Q2. What are the insurance liabilities for the product?
Ankang Medical’s insurance liability includes providing hospitalization medical insurance with an annual limit of 200,000 yuan and special outpatient medical insurance with an annual limit of 80,000 yuan. Medical expenses are not limited by the social security catalog. The product protection plans are as follows:
Insurance protection items
Benefit limits
Ankang Medical (A)
Ankang Medical (B )
Benefit ratio
Reasonable and necessary medical expenses for visits to designated hospitals, the payment ratio is 80
Reasonable and necessary medical expenses for visits to designated hospitals, covered by social insurance , the payment ratio is 100%; for reasonable and necessary medical expenses outside the scope, the payment ratio is 80%
1. Hospitalization medical insurance (limited to a total of 180 hospitalizations) Hospitalization medical expenses incurred during the day)
The annual limit is 200,000
1. Bed fees, meals, treatment fees, examination fees, surgery fees, nursing fees, and ambulance usage fees
Compensation will be paid within the annual limit of 200,000
2. Drug expenses
Annual limit of 100,000 yuan
II. Special outpatient medical insurance
Annual limit of 80,000 yuan
Note: In each During the policy year, we only bear insurance liability for the hospitalization medical expenses incurred by the insured within 180 days of hospitalization.
Q3. What does hospitalization medical insurance cover include?
Hospitalization medical insurance refers to the reasonable and necessary hospitalization expenses actually incurred by the insured during hospitalization due to illness or accidental injury, including medicines, bed fees, and meals. , treatment fees, examination fees, surgery fees, nursing fees, ambulance usage fees, etc.
Q4. What is special outpatient medical insurance?
Special outpatient medical insurance benefits are reasonable and necessary special outpatient medical expenses incurred by the insured for outpatient renal dialysis, outpatient malignant tumor electrotherapy, chemotherapy or radiotherapy due to illness or accidental injury in the hospital.
Q5. Ankang Medical is divided into (A) and (B) products. What are the main differences?
The main differences between the two products of Ping An Ankang Hospital Expense Medical Insurance (A) (Product Code: 559) and Ping An Ankang Hospital Expense Medical Insurance (B) (Product Code: 560) are as follows:
(1) Insurance objects: Ankang Medical (A) is mainly for people who do not enjoy social security or public medical security, and Ankang Medical (B) is mainly for people who have social security or public medical security.
(2) Benefit ratio: Ankang Medical (A) The payment ratio of medical expenses within the scope of social security and outside the scope of social security is 80%, Ankang Medical (B) The payment ratio of medical expenses within the scope of social security is 100, and the payment ratio of medical expenses within the scope of social security is 100% The payment ratio for external medical expenses is 80%.
Q6. What does it mean that the maximum limit of cumulative insurance benefits is 600,000 yuan?
During the period when a customer continuously invests in health care (including the insurance period after the insurance type is converted as stipulated in the insurance contract), the maximum limit of the cumulative insurance benefits is 600,000 yuan; the total amount of the cumulative insurance benefits reaches 600,000 yuan. Ten thousand yuan, the insurance contract is terminated and the company will no longer accept renewals the following year.
Q7. Does the product provide guaranteed renewal?
The Ankang Medical Insurance period is 1 year. If the insured purchases Ankang Medical (A), the accumulated compensation will be paid during the period of application for continuous insurance (including the insurance period after the Ankang Medical (B) is converted as agreed) If the amount does not reach 600,000 yuan, the insurance can be renewed with the company's consent.
If one of the following circumstances occurs when the insurance period expires, the insurance contract will no longer accept renewal:
(1) We adjust the rate, but the customer does not accept the renewal fee New rate standard;
(2) The insured is 81 years old or older at the time of renewal.
Q8. What is the age for product insurance?
The age for first-time insurance is 18 to 65 years old, and the policy can be renewed up to 80 years old.
Q9. Are medical expenses incurred during the waiting period covered?
We are not responsible for paying insurance benefits for diseases that occur to the insured during the waiting period, regardless of whether the interval between the treatment time and the effective date exceeds the waiting period. The waiting period for different diseases is as follows:
(1) If hospitalization or special outpatient treatment is required due to adenoid hypertrophy, hernia, tonsil disease or disease of female reproductive organs, the waiting period will start from the effective date of the insurance contract. The waiting period is 90 days from the date when the insurance contract takes effect;
(2) If the insured requires hospitalization or special outpatient treatment due to other diseases, the waiting period is 30 days from the effective date of the insurance contract;
(3) There is no waiting period for insurance renewal or treatment due to accidental injuries.
Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance