Many people ask me, is there any medical insurance that can guarantee renewal? Snail Jun can only wake up directly: Forget it, this kind of insurance can be bought for one year, and it is cheaper to buy it for one year. Do you still want to buy it for life? What are you thinking about?
Someone came out to challenge: you are optimistic about the renewal of medical insurance for 6 years! Now they are still young, and the probability of serious illness in these six years is already very small. Is it reliable to directly buy a five-year long-term million-dollar medical care with a six-year renewal? (Snail Jun doesn't want to tell you that this five-year million-dollar medical care is called reassurance. Well, it's a good name. It's too central. I hope it is 50 years. )
Millions of medical care, unless it is a long-term contract, renewal is a gamble.
Another person came out to challenge: look at medical insurance, and the contract promises that you can renew your insurance for life as long as you pay no more than 5 million yuan. Well, although I have sold you a critical illness insurance and made you a sum of money, Niu is still a little boastful, thinking that a serious illness can make money. As a result, the Huaxia critical illness insurance series is gone. Originally, I was thinking about making money from the main insurance, and it doesn't matter if I pay for the additional insurance. As a result, I accidentally lost a lot of money in the main insurance. How to play this game? What's more, this clause was seen by the Banking Insurance Regulatory Commission, and it is directly forbidden to brag, for the insurance industry.
Snail Jun didn't want to tell you that medical insurance was forced to be removed from the shelves on June 30th. I don't know if I will sell snails privately, but Huaxia can't brag so openly in the future. Of course, users who have already purchased will continue to be valid because they have signed up. Even if they lose money, the insurance company will make compensation in tears.
I have been talking about this topic with actuaries recently. When it comes to millions of medical care, many actuaries scoff and can't understand the wishful thinking of Xiaobai users. Actuarial experts, who can only speak with data, are extremely rational people. On the day when millions of medical services were sold, they met with their death.
One day, insurance companies will bear a huge medical burden, and then choose never to step into this battlefield again; One day, the insurance company, which takes millions of medical care as the way to get customers, couldn't stand it anymore and told the audience no; One day, several major reinsurance companies will stop playing. Without wholesale supply, insurance companies will naturally not put all the compensation burden on themselves. (Note: Insurance companies usually buy most of the compensation for millions of medical insurance and keep a small part of the risks, so in this game, no one can escape the responsibility of compensation. )
Mr. Snail doesn't know which of these possibilities will come first, but it won't take a few years anyway. For an insurance company that is obviously risky, it can't stand all kinds of exaggerations and word games when selling. It was posted directly in official website today. Health insurance with a term of one year or less does not include a guarantee renewal clause. The so-called continuous continuation is the same as non-continuation. Almost all medical insurance advertisements have been caught. It is strictly forbidden to mislead consumers with the concept of "guarantee renewal" in the future.
So in the future, don't mess around. Unless there is long-term medical insurance, there is no way to break the situation, but how long can long-term medical insurance be guaranteed? How confident is the insurance company to ensure a long-term insurance? If you can buy it for one year, it is important to buy long-term critical illness insurance. A long-term contract is the safest in hand. Don't regret what you can't buy if you don't meet your physical requirements. No one else can buy it in a few years anyway.
(Insurance professionals rely on snails to prevent pits. Jun Zhihu: Snails say insurance)