Guo Hua Life a national, joint-stock system of professional life insurance company, operating insurance covers million medical insurance, high-end medical insurance, critical illness insurance, accident insurance, annuity insurance, life insurance, etc., consumer insurance can be applied through the customer service telephone 95549, or through the official website of the insurance company, network counter, insurance agents, formal third-party insurance sales platform to buy.
It is understood that the specific products underwritten by Guohua Life are Guohua Zhenai Junior Premium, Guohua Zhenai Long-term Medical, Micro Medical Insurance Long-term Medical, Healthy Blessing Pediatric Critical Illness, and Guohua Life True Affordable Million Dollar Medical Insurance.
The Guohua Life Affordable Million Dollar Medical Insurance includes 100 types of critical illnesses, and the reimbursement amount is 2 million for general medical coverage and 4 million for critical illnesses, which is a medium level of protection compared to other products in the market.
1. Highlights of China Life's Truly Affordable Medical Insurance
(1) Good renewal terms
One of the most important criteria when choosing a medical insurance policy is the renewal terms. This True Affordable Millionaire Medical Insurance comes with a 6-year guaranteed renewal period, during which the policy is guaranteed to be renewed regardless of any changes in health conditions or claims made. So you don't have to worry about the next year's renewal, and even the cost of long-term treatment is covered.
(2) Low Deductible
The current deductible for MMP insurance is 10,000 yuan. The deductible on this True Affordable Million Dollar Health Insurance policy is actually $8,000. And in the guaranteed renewal period for the first 2 years for $8,000 per year, if not accepted hospitalization from the third year onwards, the deductible is reduced by $1,000 per year, and so on, the lowest down to $4,000, the lower the deductible set very sincere!
3)Value-added services
In terms of coverage, in addition to inpatient hospitalization, True Benefit also includes a number of value-added services, such as critical care, multidisciplinary consultation, proton reionization, hospitalization deposit advance and other protection items. These value-added services are common in the market, but very practical, allowing the insured to enjoy better quality medical services!
2. Inadequacies of China Life True Value Million Dollar Medical Insurance
(1) ICU reimbursement coverage is not included
There are three highs in human beings, and there are three highs in hospital wards, and the Intensive Care Unit (ICU) is the legendary "three highs" ward: the charges for consumables are high, the charges for hospitalization deposits are high, the charges for hospitalization deposits are high, and the charges for hospitalization deposits are high.
The ICU is a legendary "three highs" ward: high charges for consumables, high charges for the use of equipment and high charges for medicines, with the daily costs adding up to 10,000 units for calculation.
There are many million-dollar medical insurance policies on the market that promise to reimburse reasonable and necessary medical expenses incurred in the ICU, which is a far cry from the real deal.
(2) More constraints on reimbursement for purchased drugs