Bao said insurance, focusing on insurance assessment! Pacific's Enjoy Million and other insurance company's similar products are different? Look directly at this comparison table to know how good is China Pacific Life? What kind of insurance do you recommend?
Generally more than two hospitals can, see you are not particularly aware of this product, let me give you a detailed introduction to it ~
Pacific enjoy million can provide us with millions of protection, only a few hundred dollars can be bought, the average calculation of the money spent every day is just the price of the cabbage, the high cost-effective, favored by many people.
But some people favor some people do not love, many people on the Internet have commented on Enjoy Million, I have previously made these comments are sorted and summarized, if you want to know more, you may want to take a look at this article>>
So what is it about this product that has caused the controversy? Let's take a look at the coverage of Enjoy Millions:
The advantage of this product is that it is comprehensive, covering general hospitalization, hospitalization for special illnesses, hospitalization for critical illnesses, as well as critical care allowance and proton heavy ion coverage. In addition, in the case of special illness hospitalization, the sum insured can be doubled to 2 million, and the sum insured for critical illness hospitalization can be further doubled to 4 million.
This looks pretty good, so why would anyone not like it?
Look at its shortcomings and you'll understand:
1. The conditions for renewal are harsh: if you want to renew your policy, you first have to submit an application for renewal, and then wait for the review to be approved, and if your health is not as good as it was before or you've already filed a claim, you'll be less likely to renew your policy;
2.
2. There is a restriction on the number of medical institutions for Proton Heavy Ion (PHI): the choice of PHI hospitals is limited to Shanghai, but many good MMPs don't have this restriction;
4. There is no direct payment for purchased medicines for value-added services.
This is really not a good idea! If you are planning to buy a MMP insurance policy, you must carefully compare the various products before you buy, because there are not few MMP insurance policies that do a better job in various aspects such as coverage and renewal.
In order to facilitate the comparison of products, I have previously organized a popular excellent million medical insurance collection, there is a need to take a look at >> What are the good medical insurance recommendations?2020 hot sales of the top 20 quality medical insurance inventory