Seeing that friends are so eager for new products, the seniors can't slack off. Fuxing United recently brought you excellent medical insurance of 202 1 10,000. I heard that the premium is very cheap, and 16 kinds of value-added services have been set up. Is there really such a cheap product?
Now the senior sister will discuss whether this product is good or not for everyone.
1. What is the coverage of premium insurance 202 1 10,000 medical insurance? Is it worth buying?
You can first look at the product evaluation chart of this premium insurance 202 1 10,000 medical insurance:
As we know from the figure, Fosun Premium Insurance 202 1 is aimed at people under the age of 60, and most mainstream medical insurances in the market have the same age. In the insurance profession, the acceptable insurance population is 1-4 occupational population. Generally speaking, the insurance conditions are relatively loose.
Next, let's take a look at the coverage of this product. Basic security includes general medical care, serious illness medical care, proton heavy ion medical care, and oncology specialized medical care, and value-added services such as incidental medical services, expert consultation, and prepaid hospitalization deposit are not forgotten 16.
Moreover, in the optional liability, in order to further supplement the protection of children's groups and improve the practicability of children's insurance, there are many choices in the optional liability, including children's vaccination allowance, children's general accidental injury allowance, and children's specific serious illness insurance.
Generally speaking, the guarantee of this product is still very comprehensive, so is it reliable for us to buy this product? Let's compare its advantages and disadvantages directly.
1 advantages and superior guarantee 202 1
(1) deductible is optional.
Because of the different deductibles, this product is divided into two insurance plans. The deductible for general medical treatment in scheme 1 is 5000 yuan, while that in scheme 2 is 1000, which seems to be a difference of 5000 yuan.
It seems that there is only a difference of 5000 yuan. According to the relevant data provided by the Statistical Information Center, the actual per capita hospitalization expenses of secondary public hospitals in 2020 are 6707.4 yuan. If some expenses can be reimbursed through local medical insurance, the remaining medical expenses that need to be paid by themselves may not even be 5,000 yuan. We can know that the deductible of 1 10,000 yuan is quite good in medical insurance.
However, the deductible of many medical insurance products on the market is designed to be about 1 1,000 yuan. With the setting of excellent insurance 202,654,38+0, consumers will have more choices. The following contents are recommended to friends who don't understand the use of deductible:
How to understand the deductible? Is the standard of deductible as little as possible?
(2) Provide more practical optional responsibilities and value-added services.
In terms of optional liability, Youbao 202 1 provides three optional liabilities for children, namely, children's extra-vaccine allowance, children's general accident allowance and children's specific serious illness insurance money, which has been quite practical.
Although it seems that both kinds of allowances are 18 kinds of children's special disease insurance benefits for one day in 200 yuan, the first scheme is 5000 yuan, and the second scheme is 10000 yuan. The compensation for the three items is actually not much, but it needs to be emphasized that the added cost is really low.
A 0-year-old baby only needs to spend more 25 yuan to get the above three kinds of protection. Although there is no great guarantee, it is inexpensive and very practical.
In addition, if you are unfortunately suffering from a serious illness, you can also enjoy 16 kinds of value-added services, which run through the whole process of seeing a doctor, diagnosis, treatment and recuperation. Even if the price is cheap, you can get advanced guarantee service! It's really not easy to find something similar!
By the way, there is another thing that senior three students need to say. The more value-added services, the better. You need to pay attention to these pits:
Analysis of value-added services in medical insurance is not the more the better!
(3) the premium is cheap
30-year-old male, social security insurance for this product, without optional liability, only needs 195 yuan/year for the first time. Its premium is lower than other similar products on the market. You know, under the same insurance conditions, the exclusive E student with high cost performance is 202 1 308 yuan/year.
Coverage is not only comprehensive, but also very cheap. If you have any questions, please take a look at the following comparison table of medical insurance products on the market:
Super full! China Volkswagen Million Medical Insurance Comparison Table
I understand that some friends here may be eager to start this insurance. Although superiority retains these advantages, the following disadvantages cannot be ignored.
Second, what are the shortcomings of Youbao 202 1 10,000 medical insurance, and is it worth buying?
1, renewal is not guaranteed.
Premium insurance 202 1 10,000 medical insurance is a short-term medical insurance with a term of 1 year. It is clearly stated in the clause that the product is not guaranteed to be renewed, that is to say, if the insurer does not agree to renew the warranty or the product is discontinued, the warranty will not be renewed next year. In this way, security is unstable in the long run.
As my senior sister said before, in terms of choice, we try to choose products that are not affected by our health and have a history of claims. During the warranty renewal period, the warranty can be renewed no matter what happens to the car body and whether there is a claim or not. Even if the product is removed from the shelf, it can be replaced with a new one. At present, the longest warranty renewal period can be as long as 20 years.
2. Insufficient hospitalization allowance for serious illness.
In order to expand the application scope of medical insurance, many excellent medical insurances have set up hospitalization allowance for serious illness, which has become standard. If you want to give yourself more protection when you are unfortunately diagnosed with a serious illness, you should buy medical insurance for serious illness. If this happens, the insurance company will pay according to the daily hospitalization allowance agreed in the contract, and the insurance company will pay for the patient according to the medical record, diagnosis certificate and discharge certificate provided by the patient.
This can alleviate the economic pressure of patients to some extent. On the one hand, hospitalization allowance can play a certain role in subsidizing hospitalization, on the other hand, consumers can't go to work normally because of serious illness, so they compensate for some income losses.
3. The coverage of outpatient and emergency services before and after hospitalization is small.
Superior insurance 202 1 is used for reimbursement of outpatient and emergency expenses, and the expenses are only reported 7 days and 30 days before hospitalization. It is a long process from initial diagnosis and follow-up to diagnosis and hospitalization, so only 7 days before hospitalization is not enough.
At present, there are many good medical insurance products on the market, which can reimburse the expenses from 30 days before hospitalization to 30 days after hospitalization. From this comparison, we can know that Youbao 202 1 will be slightly worse.
As can be seen from the above, Fosun Premium Protection 202 1 is comprehensive in terms of protection, and its premium is relatively low in the prices of similar products, so it is a good and inexpensive product. In addition, this product has a major feature, focusing on protecting children's diseases.
However, this product cannot be guaranteed in terms of renewal, and the buyer may face the embarrassment that the product is discontinued or the insurer fails to pass the examination. If you mind, please give priority to products that can guarantee renewal.
Write it at the end
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