As a popular product in the market, Hongchuang Million Care Medical Insurance has attracted the attention of many consumers.
Now I will tell you what guarantees this product has and whether it has the ability to stand out among many medical products!
We must first explain that friends must first understand the deceptive regulations that often appear in medical insurance. Once you step on the trap, you will really suffer from it:
< p>《If someone asks you to buy these medical insurances, you must not be careless! 》1. The contents of Hongchuang Million Care Medical Insurance are revealed!
It is really difficult to collect some information about this new product. The senior sister has clearly understood the relevant rules and summarized a guarantee map:
In the senior student’s opinion After analyzing the insurance diagram, there are still a certain number of friends who can’t figure out whether this product is good or bad. Let me tell you. Then, follow me *** to see the advantages and disadvantages of this insurance. Bar!
1. Advantages
Guaranteed renewal for 3 years
Normally, one million medical insurance coverage is guaranteed for one year. If continuous renewal is not guaranteed, If the insurance renewal is interrupted in the middle, it is easy to be unable to renew the insurance due to changes in physical conditions or claims.
However, Hongchuang Million Care Medical Insurance can renew our insurance for 3 years, so its renewal conditions are quite good; friends who have purchased this insurance do not have to worry about whether they will be insured within 3 years. It's a question of medical insurance.
In this way, we feel much more at ease compared to products that are not guaranteed to be renewed!
But now there are many products on the market with better renewal conditions. For example, Ping An has a medical insurance that is guaranteed to be renewed for 20 years. If you are interested in renewing the insurance, you can read the following content. Learn more about this insurance:
"Ping An e-life insurance long-term medical-insurance product combination is surprisingly launched, this flaw needs to be considered! 》
Enjoy the right to increase the insurance amount
After each guaranteed renewal period of Hongchuang Million Care Medical Insurance, the insurance amount will be based on the initial insurance amount of each medical insurance premium. 10% of the amount will be gradually increased, up to 1.5 times the original amount.
Assuming the insured amount is 4 million, the insured amount can be increased by 400,000 after a guaranteed renewal period; if the insurance continues to be renewed, the insured amount can be up to 6 million!
This is a very conscientious way to get a higher insurance coverage without spending more money! It can be regarded as providing benefits to old customers, and each time you can get an extra 400,000, which is really good!
However, what needs to be noted is that the medical expenses for proton and heavy ion treatment of malignant tumors are not included, and its annual reimbursement limit is still the same as before.
2. Disadvantages
There are tricks in the waiting period
The insured does not have any protection during the waiting period, so the shorter the waiting period, the less guaranteed it is. The longer it takes, the more benefits it will have for everyone.
Some "tricky" things exist in the waiting period of Hongchuang Million Care Medical Insurance. If you choose general medical treatment, it is 30 days; if you do not choose this responsibility, it will be a 90-day waiting period!
If you don’t understand the content of this clause clearly and just buy the required liability, there will be no room for regrets if you are cheated during the waiting period!
Not only that, even if you can't choose, you don't have the right to set the waiting period to 90 days. Therefore, this condition is indeed not perfect.
You must know that many excellent medical insurances on the market only have a 30-day waiting period. Compared with the waiting period of the two, Hongchuang Million Care Medical Insurance has an extra 60 days! If this is the case, the probability of getting into danger during the waiting period is greatly increased!
General medical insurance does not come with it
Hongchuang Million Care Medical Insurance only provides one mandatory liability - malignant tumor medical insurance; that is, if you want to get more Protection, only by spending more money when purchasing can you enjoy more protection.
Most of the similar medical insurance currently on the market include general medical care, and dozens or even hundreds of critical illnesses can be covered by medical insurance, not just malignant tumors.
Moreover, for diseases such as malignant tumors, minor illnesses such as fever and hospitalization are relatively common. Hongchuang Million Care Medical Insurance does not provide this basic protection at all, which is really difficult for people to Accept, feeling very disappointed!
Lack of other value-added services
Hongchuang Million Care Medical Insurance, as a medical insurance, does not reflect its value-added services in the terms, which really makes me feel So disappointed!
Many medical insurance products with excellent service contents such as medical expense advance payment and green pass are available on the market, and some even provide professional doctors for medical treatment.
Seeing a doctor is also a big problem nowadays. We provide one-stop service for seeing a doctor and seeking medical treatment. Other medical insurances can also provide it. Considering the torture on the way to medical treatment, it is better for us to choose Comfort!
Hongchuang Million Care Medical Insurance really lacks sincerity in this regard. In order to make itself more attractive, it is better to learn more about other people’s excellent products:
The ranking of the top ten million-dollar medical insurance has just come out! 》
2. Before purchasing multi-million dollar medical insurance, you must pay attention to these key points!
There are so many million-dollar medical insurance products on the market that they are countless. To choose a very good million-dollar medical insurance, you must learn to pay attention to these key points!
1. Basic protection
There are about 4 types of medical expenses that Million Medical Insurance can bear the responsibility for reimbursement. These 4 types are: hospitalization medical expenses and special outpatient expenses. , outpatient surgery expenses, outpatient and emergency expenses before and after hospitalization, these are the basic protections that everyone is generally concerned about.
A complete million-dollar medical insurance must include the above reimbursement responsibilities.
2. Renewal conditions
The coverage period of the million-dollar medical insurance is only one year, because this is also a problem in renewing the insurance.
You can focus on medical insurance products with guaranteed renewal. Nowadays, many excellent million-dollar medical insurance products can guarantee renewal for 20 years. Such terms are really very trouble-free.
In contrast, if you purchase an insurance product that does not guarantee renewal, the product protection will generally need to be reviewed again at a later stage. If your health changes or you have received compensation, you should not be able to do so. Then take out insurance.
So, when we apply for insurance, we must remember to try our best to choose million-dollar medical insurance products that have stable renewal conditions and good conditions.
3. Value-added services
Generally speaking, value-added services are included in good million-dollar medical insurance. These value-added services are very practical in terms of practicality. Go to the doctor again. It can play a lot of roles during treatment.
It is best to have all three value-added services, such as protons and heavy ions, advance payment of medical expenses, and green medical channels. The more value-added services you have, the more benefits you will get, because the more value-added services consumers have, the more benefits they will have. Lots of benefits.
From various perspectives, this product is quite complete in terms of cancer protection, but it has a long waiting period and no other value-added services, so it is not worth buying.
It is recommended that friends who want to buy millions of medical products can choose another one, and they may have the best products.
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I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
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