Currently more and more people are beginning to pay attention to insurance, which is worth encouraging, but when buying insurance, there are still many people will ask, what kind of insurance is better? What to pay attention to before buying? Today, my sister will teach you how to correctly insure the million medical insurance? How to choose a good million medical insurance?
Before the article begins, the school sister has a mine avoidance article would like to give you, interested partners quickly come to see:
"Encountering these medical insurance, please be careful and careful again!
A, million medical insurance should be how to buy?
The advantage of the million-dollar medical insurance is that it can reimburse the insured for reasonable and necessary medical expenses incurred during the insurance period due to hospitalization, and many of them can be reimbursed through the million-dollar medical insurance, but the medical expenses need to be more than the deductible part of the reimbursement can be made.
Assuming the deductible is not exceeded, Million Dollar Medical will not reimburse you.
So how do we pick a great Million Dollar Medical Insurance product? For one thing, this million medical insurance needs to have no limit on reimbursement within the social security, the reason is that in the case of the insured person has a large amount of medical expenses, unlimited reimbursement within the social security will help the insured person to reimburse more expenses, even if it is out of the social security catalog of medicines or purchased medicines are able to enjoy the reimbursement, to a certain extent, it can reduce the patient's financial burden.
The second is that the renewal conditions should be humanized, because it can reduce the insured person because of the deterioration of health or product discontinuation, and the occurrence of the insurance company refused to cover the situation.
The second is to have value-added services such as advance payment function and green channel, which can not only help the insured to receive timely treatment, but also enable the insured to receive a one-stop treatment service, the usefulness of the policy is greatly improved!
Is it worthwhile to take out a Pacific Healthcare Worry-free Million Dollar Medical Insurance policy (20-year term)?
Currently on the market, the more satisfactory million medical insurance are: Zonghui Huixiang eSheng million medical insurance 2022 (Internet exclusive), Zhong'an Zunxian eSheng 2022 version and the Pacific medical enjoyment carefree million medical insurance (20-year period).
So right after that, my schoolmates will look at the Pacific Healthcare Worry-free Million Medical Insurance (20-year term) as an example to introduce you to whether or not this product is outstanding!
According to the terms and conditions of the policy, the age range of the policy is from 30 days to 65 years old, and the coverage period is one year in total, with a guaranteed renewal period of 20 years.
In addition, MediShield MiraMed (20 years) adds a 90-day waiting period, which can be considered as an average in the entire MiraMed market!
For the family single ***Enjoy Deductible this aspect is stipulated as ***Enjoy 10,000, and the family single discount is 5% off the rate.
In addition, the medical insurance (20-year period) has the following coverage responsibilities: general hospitalization, hospitalization for specific diseases, hospitalization for critical illnesses, emergency medical treatment before and after hospitalization, critical illness care insurance benefit and medical insurance benefit for specific drug costs (optional).
Of these, a 10,000 RMB deductible is used for the general medical care benefit, the medical insurance benefit for specific diseases, and the medical insurance benefit for major diseases***. In addition, this product is reimbursed at 100% through Social Security, with a 60% reimbursement provision for non-Social Security reimbursement, and provides 100% reimbursement for Proton Heavy Ion therapy costs.
In addition, the MediShield Worry-Free Million Dollar Medical Insurance (20-year term) also provides value-added services such as triple diagnosis, hospitalization advance payment, post-hospital care, online consultation, family psychological counseling (only available to family single), and a health credit system with the maximum rate set at 85% (stackable for family single).
Speaking of which, if you want to learn more about the 20-year Medical Carefree Million Medical Insurance, you can bookmark this article:
Pacific Medical Carefree Million Medical Insurance can be guaranteed to be renewed for 20 years? Is this true...
Third, the sister suggested
According to the above aspects of the analysis out, students in the purchase of millions of medical insurance, it is necessary to look at whether not unlimited reimbursement within the social security, the renewal of the conditions of the friendly and what value-added services in these aspects.
On the whole, the terms of the Pacific Healthcare Worry-free Million Dollar Medical Insurance (20 years) product is still outstanding, not only the rules of enrollment is more thoughtful, in addition to the content of the coverage is also more specific, the most important thing is to determine the renewal of the policy for 20 years.
So, if there are partners who are more interested in the Pacific Healthcare Worry-free Millionaire Medical Insurance (20-year term), then you can feel free to buy!
If you still want to take a look at the other great million-dollar medical insurance products on the market before making a decision, there's no problem, and I've prepared this article:
Newest top 10 million-dollar medical insurance rankings freshly released!
Written in the end
I am the school bully said insurance, focusing on objective, professional, neutral insurance assessment;
If the above content has not solved your problem, you can also come to the public number of the school bully said insurance consult me;
I will give you the most professional advice with years of experience in configuring insurance for 10W+ families.
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