There is no absolute good or bad million dollar medical insurance, it's still a matter of choosing the most appropriate one based on your personal needs and budget.
1, a big financial burden, hope that the monthly payment to reduce the pressure
While the million medical leverage is very high, but for the shoulders of the breadwinner of the pressure to support the family, the premiums for a family of several people add up, the number is not small. It's hard to come up with that much money all at once without having trouble working it off.
Supporting the monthly payment of Zhongmin Social Security Supplementary Plan 2018 Edition, people with social security can be insured. 6 million of medical protection, critical illness hospitalization on behalf of the medical expenses, enrollment that enjoys the green channel service for major diseases, starting from 11.5 yuan / month.
2. Worry about the high deductible of medical insurance - the whole family *** to bear the deductible
Frontier health treasure - million medical, 6 million coverage, not limited to imported drugs, out-of-pocket expenses, a policy can be covered at the same time the three generations of the direct line of 3-5 people, *** to bear the deductible of 10,000 yuan, deduct deducted the deductible after the 100% payout.
3, worried about the premiums are more expensive every year, do not want to pick the insurance year after year
Fosun United enjoy a lifetime of millions of health care, five-year guaranteed renewal, once insured, the price of the same in five years, no risk of discontinued, and within five years *** to enjoy the 10,000 deductibles, the renewal of the highest to 80 years old.
4. Higher requirements for malignant tumor medical coverage
If you have a malignant tumor, in addition to the high medical costs, the hospitalization and subsequent reimbursement process is also a headache.
Pacific Healthcare's worry-free 6-million-dollar medical insurance policy for malignant tumors provides a full range of services: green channel for outpatient and inpatient care - second opinion - genetic testing for targeted drugs - direct payment of medical expenses for hospitalization/discharge -Direct payment of hospitalization/discharge medical expenses (no need to pay out of pocket).
Supporting new therapies for tumor treatment, Shanghai Proton Heavy Ion Hospital reimburses 100% of the cost of proton heavy ion radiation therapy. And the malignant tumor off-site consultation failed to settle by social security, still according to 100% of the amount payable.
5, tend to big brands
Products are very good, the protection is great, but their own more focus on the brand, want to buy well-known insurance company products.
Peace of mind eShield 2017 edition, underwritten by Ping An of China, 1,000,000, 3,000,000 coverage options, with or without social security can be insured. 1 million medical insurance as low as 174 yuan / year, regardless of whether or not the claim, can be insured continuously until the age of 99 years.
6, 61-65 years old people
The above products have their own characteristics, but one thing is the same - the upper age limit of the insurance age is 60 years old. 61 years old and above are excluded.
The Allianz China Health Insurance, which is available from 0-65 years of age, has a maximum of 5 million dollars for general medical care (no deductible for six types of critical illnesses and special outpatient services), and doubles the amount of medical coverage for 100 types of critical illnesses with no deductible.
7, 70-year-old people
If older, and physical abnormalities, the general million medical insurance can not be insured, then you can consider special cancer cancer medical insurance.
People with high blood pressure, high cholesterol, high blood sugar, cardiovascular and cerebrovascular diseases, diabetes and rheumatism can also be insured.
8, worried that renewal is too much trouble
Allianz Zhenai medical insurance, upgraded from the 2016 version to the 2018 version, what remains unchanged is the humanized renewal method.
After the expiration of the insurance contract, the policyholder can apply for continuous insurance, renewal without waiting period, without filling out a new health notification (except for the renewal of the upgraded protection plan). That is to say, if you have previously insured the 2016 version, and then insure the 2017 version or 2018 version, you can be free of waiting period and health notification.
I hope the above answer will help you!
Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"