Maybe everyone suspects that Spark Insurance is a scam of giving away millions of free policies, but it is not a scam, but the insurance company uses this gift as bait to expand its customer base. However, this kind of insurance policy generally has harsh claims conditions and is not necessarily practical. After all, insurance companies have to make profits.
Spark insurance covers millions of medical insurance and needs to be combined with a specific insurance product? As mentioned above, Spark Insurance is just an insurance sales platform, not a product. In fact, the general direction of millions of medical insurance is the same, which is to ensure the reimbursement of medical expenses incurred in designated hospitals during hospitalization, treatment and operation, including the reimbursement of some self-funded drugs and imported drugs. Specifically including:
General medical care, including necessary outpatient fees, hospitalization fees and other medical expenses, generally has a deductible line of 1000, and the part exceeding the deductible line can be paid; For medical insurance for serious illness, the compensation for serious illness is generally zero, and the reimbursement ratio is100%; In addition, there will be some value-added services, including green channel for medical treatment, advance payment of medical expenses, expert outpatient service, etc. See the insurance contract for details.