This makes many friends very entangled when choosing medical insurance, because they are all good products with 20-year renewal. I don't know which one suits me.
Today, Deep Blue Insurance Lab will help you carefully analyze the specific differences and applicability of these three "Top Stream" products. I believe you will know how to choose after reading it.
The main contents are as follows:
Remind everyone that the product analysis is detailed and the article is long. If you want to know how to choose, you can slide to the third part.
What's so good about the top three products?
Electronic health insurance, good medical insurance (20 years) and worry-free medical care are the "facade products" of large companies. Because of its good protection and continuous protection, it is favored by many friends, so it is popular all over the network.
What are the advantages of these three products? Let's take a look at it next.
After comparing the specific protection of electronic health insurance, good medical insurance (20 years) and medical care combined with other similar products, we found that there are two main reasons for its outbreak:
1. Comprehensive guarantee
General medical insurance has four basic guarantees: general medical care, special outpatient service, outpatient operation and emergency treatment before and after hospitalization, all of which are included.
Moreover, these three products have some practical guarantees, such as green pass for medical treatment, drug purchase for cancer, and advance payment for expenses. They are all comprehensive.
2. 20-year renewal can be guaranteed.
Many 1 year medical insurances that are not guaranteed to be renewed may not be available in the second year, because our health has deteriorated, claims have been settled or the products have stopped selling, and the renewal is very unstable.
And these three products are all long-term medical insurance guaranteed for 20 years. Within 20 years after the insurance, you can continue to buy, regardless of health deterioration, claims settlement or product suspension, and the renewal is very stable.
In other words, if you buy it at the age of 40, you can renew your insurance until you are 60, and you can provide medical insurance for serious illness for up to 20 years without interruption.
Generally speaking, these three products are the best in millions of medical insurance, both in terms of guarantee and renewal conditions.
What is the difference between the top three products?
Although these three products are well guaranteed, some friends still want to know their specific differences and then choose the best one.
In order to help you find out the difference between them, we carefully stripped off these terms and found that they do have their own advantages, as follows:
1. Good medical insurance (20 years): the renewal conditions are more relaxed.
Although both products are guaranteed to be renewed for 20 years, there will still be differences. The following is a comparison of their terms of renewal:
It can be seen that compared with the other two products, the design of good medical insurance is more sincere in details.
Because the medical care and electronic health insurance did not clearly indicate whether they can renew their coverage to other products when they stopped selling, they may need to inform the new health products again.
However, good medical insurance can still renew the designated products without health notice when it expires. Although the updated new products are uncertain, at least you can buy them.
2. Worry-free medical care: better protect the purchased drugs.
Outsourcing drugs refer to drugs that can't be bought in hospitals and need to be bought in outside pharmacies, such as many anticancer drugs needed to treat cancer. It may cost tens of thousands of dollars to buy a course of treatment outside.
Fortunately, all three products are guaranteed to buy drugs. Good medical insurance (20 years) buy your own medicine, worry-free medical insurance and electronic health insurance need to be attached, but the price is not expensive. I suggest you attach it when you buy it.
In addition, there are some differences in their outsourcing drug protection:
In the reimbursement ratio, worry-free medical care and electronic health insurance will be higher. They can be reimbursed up to 100%, while good medical insurance can only be reimbursed up to 90%.
For example, if you spend 50 thousand yuan on medicine, the first two products can be reimbursed, and a good medical insurance (20 y
In contrast, if we only look at the first year's premium, electronic health insurance is the most expensive among all age groups, while good medical insurance and medical care enjoy no worries, and different age groups have their own advantages.
The premium of medical insurance will change with age, and the premium of renewal insurance may fluctuate, so compare the overall price for 20 years.
We calculated the 20-year total premium of three products for 0-year-old and 30-year-old men respectively, and directly came to the conclusion here:
Good medical insurance (20 years) guarantees the lowest total premium during the renewal period, but the annual premium difference of the three products is only 100 yuan.
There is not much difference in price.
In addition, both electronic health insurance and worry-free medical care have family insurance concessions. If a family of three is insured, the premium can be discounted by 15%, and the family insurance is more cost-effective.
Since 3 million medical insurance has its own merits, how should we choose? Then look down.
Which of these three "top flow" products should I choose?
In order to let everyone find the one that suits them better among these three products, we have compiled their insurance requirements and their respective advantages into a table:
Draw a direct conclusion:
Friends aged 56-65 need to pass physical examination and manual underwriting before they can apply for medical insurance and enjoy it with peace of mind. If they fail the manual audit, they will be refused insurance, which may also affect other products.
Therefore, if you want to buy a medical treatment for your parents aged 56-65, but you are worried that their physical examination will not meet the standard, you can do this: first buy a product that can be insured, wait for the waiting period before going to the physical examination, and then transfer to medical treatment after manual underwriting.
The first step in buying insurance is health notification. I would also like to remind you that the health requirements of each product are different, and you should choose according to your actual situation.
If you are not sure whether you meet the health requirements, you can also trust me privately and take a look for you.
Frequently asked questions and answers
Many friends will encounter some problems when buying medical insurance. Today, we will choose a more common one to answer for you:
Q: Can I buy medical insurance if I don't meet the health notification?
Have the opportunity to insure.
Because health notification is only the first threshold of insurance, if it does not meet the health notification, we can also try intelligent underwriting and manual underwriting, and we will also have the opportunity to buy after passing.
Here, I would also like to remind you that Chinese mainland implements "limited notification", that is, you can answer whatever you ask, and you don't have to inform if you don't ask.
Write it at the end
Treating serious diseases such as cancer may cost hundreds of thousands, which is unbearable for most families.
If we buy a medical insurance in advance, it can help us to reimburse this part of the medical expenses for serious illness and reduce our economic burden.
Note deep blue insurance, private message reply benefits, can be collected free of charge:
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Related Q&A: What are the advantages and disadvantages of Ping An's I drug insurance? 1. Medical insurance for special cancer drugs is the latest medical insurance launched by China Ping An Life Insurance Company of China Insurance Company, which can reimburse 16 kinds of special cancer drugs. The content of the guarantee is relatively simple, only 16 kinds of special anticancer drugs can be reimbursed, and the responsibility can only last 1 year after the cancer is diagnosed, but the biggest advantage is that it is cheap and it is a big brand of peace. On the whole, the performance is ok.
First, the specific safety content
Guarantee amount: 6,543.8+0.5 million.
Warranty period: 1 year. After the diagnosis of cancer, the liability for compensation can be extended to 65,438+0 years.
Reimbursement ratio: no deductible, after using social security, 100% reimbursement; No social security, 60% reimbursement
Hospital scope: public hospitals above Grade II.
Special anticancer drugs: 16 designated anticancer drugs. After a drug prescription is issued by a specialist and approved by an insurance company, it can be collected at a designated pharmacy or applied for home delivery, and the dosage is not more than one month at a time.
Second, Ping An's I medical insurance for cancer is compared with similar products. Many companies in the market have introduced medical insurance specifically for cancer-specific drugs. I'll choose a few hot-selling models as a comparison to see how this I drug is guaranteed.
Draw a direct conclusion:
If the pursuit of cost performance: the basic version of medicine worry-free and the basic version of medicine Shenbao are the cheapest, and the guarantee is basically enough; For the elderly, the price advantage of the basic version of I-drug insurance and drug worry-free 5 1-70 years old will be more prominent and worth considering.
If the pursuit of comprehensive protection: worry-free upgraded version of the drug, upgraded version of the drug Shenbao, medical insurance (special drug version) can cover all listed anticancer drugs, the most comprehensive protection. Among them, the price of worry-free upgraded drugs is still extremely advantageous, which is the most worthy of consideration.
It can be seen that although I drug insurance can only reimburse 16 designated anticancer drugs, its coverage is relatively narrow. But for the elderly over 50 or 60, the price is very cheap.
Third, is Ping An's I drug-guaranteed cancer special medical insurance worth buying? Many anticancer drugs may not be available in hospital pharmacies, so they need to be bought outside pharmacies. At present, the million-dollar medical insurance that is sold well in the market is vague about whether the purchased drugs can be reimbursed.
Some products are written on the insurance page or product terms, which can guarantee the purchased drugs, such as enjoying electronic health and micro-medical insurance. However, many products cannot directly judge whether to protect the purchased drugs from the terms or insurance instructions, and consult customer service. Some people say yes, others say no.
This is the status quo of whether millions of medical insurance can reimburse the drugs purchased, and it is difficult to give a clear answer.
So, is it worth buying medical insurance for cancer drugs? Shen Lanjun's suggestions are as follows:
If you haven't bought millions of medical insurance, it is recommended to give priority to millions of medical insurance when your body allows. The guarantee is more comprehensive, and there are advantages in price and renewal.
If you have millions of medical insurance and want to supplement the protection of cancer-specific drugs, or you can't buy millions of medical insurance or anti-cancer medical insurance for physical reasons, you can consider Ping An I medical insurance.
In addition, don't think that with the protection of this special anticancer drug, you can not be afraid of any risks. Medical insurance for special cancer drugs only covers reimbursement for special cancer drugs.
Shen Lanjun has always stressed that insurance is a combination, and different insurances solve different problems. Medical insurance, critical illness insurance, accident insurance and life insurance are all necessary. Insurance is a combination, and different insurances can solve different problems.
I hope this answer can help you. If you have any questions, please leave a message for Shen Lanjun, and I will reply to you in time. If you want to know more about purchased drugs and millions of medical insurance, welcome to see my original article in official website.
Further reading: "How about Ping An I medical insurance cancer special medicine? Is it worth buying? 》
How to pay leukemia critical illness insurance and medical insurance? Under what circumstances? 》
Related question and answer: 1.2 million yuan can cure cancer. Is it a blessing or a curse for us ordinary people? Thank you for inviting me. Is it a blessing or a curse!
Why is it a blessing? Because cancer can be treated in the end, although only a part of cancer can be cured. Information from the Internet: CAR-T therapy developed by Fosun Kate is injected with Aquilencel. It belongs to a cell therapy. Its R&D expenditure has reached 675 million, so it is not unreasonable to see that1.2000 needles. Referring to the price of other similar treatment technologies, such as Kymriah, which is mainly used to treat B-cell acute lymphoblastic leukemia in children and adolescents, the price is about 470,000 US dollars, equivalent to about 3.06 million yuan. Looking at this price, I feel that 120W is already a conscience price. Unfortunately, at present, this drug is not included in the scope of medical insurance reimbursement, but it has been declared.
Why a curse? Now the society is developing faster and faster, and people are getting richer and richer. 120W is really not a problem for families above middle class. It is often seen from the news that an old man has been cheated12 million, which shows that there are still many rich people. For most ordinary families, it is very difficult. Some families can say that they can't earn this 120W all their lives, and they can only hope for medicine! But some people try their best to make up for this 120W by selling houses, buying cars and borrowing money. Some patients are unwilling to receive treatment. After all, cancer cannot be completely cured, and it may recur at any time. It is better not to treat it than to waste money.
Now, how can ordinary people afford this millions of treatment fees? Only commercial insurance is available. With the development of science and technology, there are more and more new drugs, and the price will definitely come down, so that ordinary people can also cure cancer. Let's look forward to it!