My clients and friends, I talk about the benefits of Medfree once, those who can't see it, those who don't trust me, isn't every word I say nonsense?
I wrote the article in the first place is not at all understand the insurance customers to see.
It's really hard to get customers to read the product descriptions.
But I'm so sure it's a good product that I'd rather lower my clients' primary critical illness coverage than have them buy it.
The secret that everyone knows is that there's almost no commission, and there's a lot of claims, and a lot of points for the agent, so it's not a good idea.
I have a medical worry claims rate that is simply out of this world.
I once privately asked a very good relationship with the head office executives - why do I have so many claims? Will I be fired from the company?
The leader of a sentence gave me a pill - your business volume ah, the base is large, and you have reached a certain age, 80 after one after another into the peak of the disease, it is very normal. As long as you sell normally, how can the company fire you?
It's just that there are more claims, and the diamond level has turned into a platinum level that never goes up.
It's just that the Diamond level became the Platinum level and never went up!
Two days ago, I heard the news, after 2018.9.30, the medical worry-free addition has changed the terms and conditions.
The change is quite big, but the good thing is that it doesn't affect the renewal of customers who have already purchased MediShield before.
So I thought it was important to say something.
The first Medical Carefree I sold was to myself.
I call it "SuperSocial":
1). I'm not sure if you're going to be able to get the best out of it, but I'm sure you're going to be able to get the best out of it, and I'm going to be able to get the best out of it.
2). Reimbursement of medical expenses incurred for hospitalization within the continent, in public hospitals of the second level and above, in the general department;
3). It is a reimbursement type of medical insurance that reimburses medical expenses before they are spent;
4). Is a consumer insurance that pays for one year and covers one year.
People in their 30s, $1,000 or so a year; people in their 50s, $2,000 or so a year, can get:
1), up to $500,000 reimbursement Social Security reimbursement of the remaining part of the reimbursement of 100% reimbursement; without Social Security, reimbursement of 80%.
2), $200 per day hospitalization allowance; up to 200 days per year.
3) 30 days waiting period for hospitalization due to illness.
4) No deductible.
Related information about enrollment:
1), 28 days after birth, to 60 years old, can buy, and then can be renewed every year, up to 80 years old; automatically renewed every year; the company will not individually adjust the premiums due to changes in the health status of the insured or the history of claims.
2), after reimbursement through social security or other commercial medical and welfare insurance, the remaining part, reimbursement of 100%; direct reimbursement with Medical Carefree, the whole single reimbursement of 80%.
Note that this is the difference between MediShield and other commercial medical insurance, and it is not mandatory to use MediShield in conjunction with Social Security. It's not necessary to use it in conjunction with social security, and it's not a problem to use it only.
Rather, it's better if there are other reimbursements, even if it's a group medical, card single reimbursement that activates this great benefit of 100% reimbursement. Even if it's only a $1 reimbursement, it's been reimbursed first and we get 20% more reimbursement.
3. Reimbursable hospitals: public hospitals of the second class or above within the continent.
4. Daily limit for bed charge: 500 RMB.
5. The reimbursable medical expenses are the actual, reasonable and necessary medical expenses incurred during the hospitalization. Including doctor's fees, treatment, surgery, medicine, inspection and laboratory fees, hospitalization miscellaneous fees, nursing costs, food costs, ambulance fees.
Among them, hospitalization miscellaneous fees include general medical materials during hospitalization, surgical implantation materials, hospital in-hospital consultation fees, hospital inter-hospital consultation fees.
The only limitation is - surgical implantation material charges will not be paid in aggregate in each policy year more than 10% of the annual hospitalization limit agreed between you and us, i.e. $50,000, to prevent overmedication.
The fact that there is no deductible and you don't have to use your health insurance card is the biggest advantage of this product - it's really the fact that if you get sick and go to the hospital, and you say to the doctor, "I don't have a social security system, I'm covered by all the commercial insurance, and you can stay in a nice private room" - that's a statement that can save your life. -- this sentence can be life-saving.
Some terms in the article:
1, hospitalization: the insured person due to disease or accidental injury, by the doctor according to the clinical diagnosis, must stay in the hospital for treatment, for formal hospitalization procedures and indeed stay in the hospital for treatment of the course of action.
2, accidental injury: refers to foreign, sudden, unintentional, non-disease objective events that cause bodily injury.
3, the actual incurred hospitalization medical expenses: refers to the insured person in the hospital treatment of the actual expenditure in line with the usual practice and medical necessity of medical expenses.
4, in line with the usual practice: refers to the acceptance of medical services in the location of the prevailing norms of treatment, the prevailing method of treatment, the average price level of medical costs consistent with the cost. (That is, for example, an appendicitis, usually no complications, hospitalization for a week of treatment is very normal, but if an ordinary appendicitis stayed for more than a month before discharge, certainly not normal, the company will investigate the reasonableness of the) I do not know if you can understand?
5, medically necessary :
refers to medical expenses meet all of the following conditions:
(1) items necessary for the treatment of accidental injuries or illnesses;
(2) items that do not exceed the principle of safe, adequate treatment;
(3) prescription drugs prescribed by a doctor;
(4) non-experimental, non-research items;
(5) items that are consistent with generally accepted standards of medical professional practice in the locality in which the treatment is received.
Whether the medical must be examined by our claims adjusters in accordance with the principles of objectivity, prudence and reasonableness; if the insured person has a different opinion on the results of the examination, it can be examined by the authoritative medical institutions or authoritative medical experts agreed by both parties.
As an example, for example, I was admitted to the hospital for treatment of thyroid cancer, and as a result, my eyes grew wrinkles, and I asked the doctor to prescribe a dermatology ultrasonic knife to wrinkle, and this can not be justified.
6, the hospital: the national Ministry of Health hospital level classification in the second or more than two hospitals, but does not include the main outpatient, rehabilitation, nursing, convalescence, alcohol, drug treatment or similar medical institutions. At the same time, the hospital must have medical equipment that meets the standards set by the relevant hospital regulations, and provide 24-hour medical and nursing care with qualified physicians and nurses on-site.
This customer needs to pay attention to the qualification of the hospital, now many grassroots hospitals restructuring, public hospitals into private hospitals, such as Wuhan City, commercial hospitals, Wuhan Steel General Hospital after the restructuring of the hospital into a private hospital, the claims are likely to be disputes (not necessarily not pay out at all, but it will be more tortuous)
7, social health insurance: the basic medical insurance approach for urban workers in the provinces, autonomous regions, cities and towns The medical insurance provided by the urban workers of each province, region and city, including the new rural cooperative, the basic medical insurance for urban workers, the basic medical insurance for urban residents and other government-organized basic medical insurance projects.
Among them, the Measures for Basic Medical Insurance for Urban Employees of Provinces, Regions and Municipalities refer to the administrative measures formulated by the People's Government of Provinces, Regions and Municipalities by order of the People's Government to safeguard the basic medical needs of the employees.
8. Doctor's consultation fee: The fee charged for medical services such as consultation and examination of the condition of the patient, examination of various devices or instruments, diagnosis, and formulation of treatment plans, etc., carried out by the doctor.
9, treatment costs: refers to the doctor or nurse to the patient in addition to surgery for a variety of therapeutic programs and treatment costs, including trauma, dressing, removal of stitches, abscess incision and drainage, fistula cauterization, vascular puncture, blood transfusion, fluid transfusion, injections, muscle closure, oxygen, radiotherapy, chemotherapy, cryotherapy, laser, renal dialysis, first-aid treatment, cardio-pulmonary resuscitation, and other therapeutic costs, the specific hospital cost items shall prevail. The cost of treatment incurred for infusion, injection, intramuscular closure, radiotherapy, chemotherapy, cryotherapy, laser, renal dialysis, emergency treatment, cardiopulmonary resuscitation, etc., shall be subject to the cost classification of the hospital.
10. Surgical fee: refers to the cost of surgical items stipulated by the local health administrative department. Including surgical fees, anesthesia fees, surgical monitoring fees, surgical materials, intraoperative drugs, surgical equipment. If the surgical costs incurred as a result of organ transplantation, excluding the cost of the organ itself and the cost of the process of obtaining the organ.
11. Drugs: The costs of western medicines, proprietary Chinese medicines and Chinese herbal medicines with the approval number of drugs issued by the State Drug Administration or the certificate of registration of imported medicines or the certificate of registration of medicinal products, which are incurred in the hospital during hospitalization and outpatient emergency treatment according to the doctor's prescription in the hospital.
However, the following medicines are excluded: nutritional supplements, immune function regulators, cosmetic and weight-loss medicines, preventive medicines and Chinese herbal medicines.
12. Inspection and laboratory tests: refers to the inspection and laboratory tests prescribed by the doctor and carried out by the professional inspectors of the hospital's special inspection department, including laboratory tests, pathological tests, radiological tests, CT, MRI, PET-CT, ultrasound, angiography, isotopes, electrocardiograms, cardiac function, lung function, bone density, and genetics tests.
13. Nursing fee : The cost of nursing care determined according to the level of care shown in the medical prescription.
14. Meals: Meals provided by the hospital that are reasonable and in accordance with customary practice, excluding personal items purchased.
15, ambulance fees: refers to the ambulance sent by the emergency center to save lives and hospital car in the process of hospital referrals.
16, general medical materials: refers to the cost of disposable low-value medical supplies.
17, surgical implantation materials: refers to the surgical process by the doctor implanted in the patient's body, after the operation can not be freely removed, can only be removed by the doctor to carry out open surgery materials. Surgical implant materials, including pacemakers, titanium nails, titanium plates, titanium mesh, a variety of stents, artificial joints, artificial heart valves and other implantable artificial organs and other biocompatible materials left in the body during surgery.
18, hospital in-hospital consultation fees: refers to the hospitalization period in the attending department in accordance with the needs of the condition of the hospital to invite other departments of doctors for consultation costs.
19, inpatient inter-hospital consultation fees: including inter-hospital consultation and tele-consultation costs.
Must be purchased with the primary insurance ($4,000 or more for critical illness premiums)!
Many people will criticize this article, but I personally feel that must be sold with the main insurance, this is a mutually beneficial double-edged sword
Both constraints on the customer's risk of adverse selection, to maximize the customer to affordable and useful products
And because the e撘with the main risk of critical illnesses or financial management, this is the operation of the insurance company's cornerstone, the constraints of the company will not be easy to discontinue the sale of medical care
The company will not stop the sale of medical care. --Once the product is discontinued, it is bound to result in a large number of surrenders for critical illnesses, which will affect the quality of the company's business
Purely medical without a primary insurance policy either has no guarantee of renewal, or has more stringent claim conditions (must be paired with a medical insurance policy, higher deductibles, etc.)
10,000 people have 10,000 Hamlet's opinions. There are 10,000 Hamlets in 10,000 people's minds - you can decide for yourself whether you think it's a good or a bad idea.
After the product is finished, let's talk about some real - claims
Pacific personal insurance system claims, whether it is the medical care, super e insurance or other medical care, we are now completely implemented mobile claims. Customers do not need to come to the counter, no original, all mobile app to submit information, the speed is quite fast. The last two medical claims were hospitalized shortly after the waiting period, and after submitting the information, the case was closed on the same day, and the payment arrived on the next day at the latest. Of course, these were hospitalized medical claims, provided there were no serious past hospitalizations or past medical history. If there is a serious illness claim or serious extended past medical history, it will still be investigated.
Now, my client's claims are processed very quickly with complete information.
The job of selling insurance seems to be very happy and elegant, but all the simplicity and ease are built on the back of meticulous efforts. It's the hard work and worry that's the most frustrating part of the job, the aggravation and the misunderstanding.
But in the world of adults, there is no easy word. We all have more compassion, respect and understanding for each other, which is the greatest kindness.
And thank you all, this month must help introduce more customers to me, so that the base of my business is a little larger, or else immediately finished the three critical illnesses, five medical claims, to life ah!
Send a picture I looked at the other day, I have always felt that I am as noble as the doctor.