The year 2021 is kind of a big year in the insurance industry.
Particularly in January, the critical illness insurance this kind of insurance is also ushered in a very big reform, the original we see a very large number of varieties of critical illness insurance is also almost all off the shelves.
Previously, the major platforms blowing up the Super Mario 3, Darwin 3, carefree life, etc. can not buy.
Summary, the most critical 2 points:
1, is the Internet channel sales of products must be with the word "Internet", which led to almost all Internet products have to be adjusted off the shelf.
As for whether it will be on the shelves again, it is hard to say.
2, because most Internet insurance companies can not meet the conditions for selling savings insurance, so almost all the Internet savings insurance on the market will have to be shelved.
Before this adjustment, what are the better products worth buying at the last minute to be good?
Don't worry, read on! First of all,
First of all,1,000,000 health insurancewhat is it?
1,000,000 medical insurance means that the amount is 1,000,000 or more than 1,000,000 such a kind of medical insurance, we call it a million medical insurance products.
Million-dollar health insurance is a very popular product in recent years, and has been very popular from the moment it was launched because, first of all, it has a very high coverage, which can be as high as 1 million or even 3 to 4 million, and secondly, it's very cheap, so almost everyone can afford it.
Millions of medical insurance products are generally divided into two pieces can be reimbursed, one is the general medical, the other is the medical treatment of major diseases, in addition to some special services, such as medical advances, medical green channel, special outpatient and so on.
How much does a 1 million dollar health insurance policy cost per year?
Millions of medical insurance products are really very cheap, but how much he paid a year, first of all, different products, it is certainly not the same price, the big brand company's product price may be a little more expensive, the other is that if his protection is better, he will also be a little more expensive.
And then there is the fact that the same product has a different price depending on the age of the individual and their physical condition. For example, the same product may only cost two to three hundred dollars when you are 30 years old, but it will cost seven to eight hundred dollars when you are 40 to 50 years old, and almost seven to eight hundred dollars when you buy it for a baby who is 0 years old.
Three, 1 million medical insurance products worth buying?
So from the above we can see that the million medical insurance products, its applicability is still very wide, for general medical and medical reimbursement of major illnesses, especially for major illnesses medical protection is still very good, and its price is very affordable, almost everyone can afford to buy, compared to often thousands of critical illnesses insurance, the million The first thing you need to do is to get a good deal of money.
Of course, million medical insurance has its limitations, can not replace the critical illness insurance, is the million medical renewal problem, but the flaws do not cover up, million medical products is still a product we recommend, is well worth buying
Four, the wave of downside is approaching, the critical illness insurance which is worth buying?
Of the four major types of insurance, the impact of the renewal of critical illness insurance is relatively large.
Here, too, we have to talk mainly about critical illness insurance.
Choosing critical illness insurance can not blindly follow the trend, maybe others buy critical illness insurance is not suitable for you.
Before I recommend critical illness insurance to you, let me tell you what you should pay attention to before buying critical illness insurance.
1, critical illness insurance is not enough coverage, equal to buy in vain!
Critical illness insurance claims are basically set according to the total sum insured.
For example, if you have a 500,000 dollar policy, you can get a 30% discount on a 30% discount on a 30% discount on a 30% discount on a 30% discount on a 30% premium, which is 150,000 dollars.
But for a sum assured of 300,000, it will only pay 90,000 for minor ailments.
If the sum assured is low, it will be much less useful in transferring risk.
2, the number of illnesses is not the determining factor of the product
Many people choose a product based solely on the type of disease coverage as a reference point.
In fact, this is not reasonable, because the number of diseases does not mean that the product is better.
There are some products that cover rare diseases that have a very low probability of occurring.
There are products with fewer types of coverage, but high incidence diseases are fully covered, then these products are more practical.
So the quality of the diseases covered by the product should be our priority.
3, critical illness insurance claims are not always diagnosed that is compensated
Critical illness insurance diagnosed that is compensated, this is a lot of insurance sales in order to performance of the "lie".
There are three ways to settle a claim:
Confirmation of the diagnosis, a certain state of affairs, and a certain type of surgery.
There are 28 types of critical illnesses required by the OCI, of which only three are diagnosed and covered.
The above is about the million critical illness insurance some simple introduction, if you still want to know more about the million critical illness insurance or other questions about insurance, you can go to Baidu search "Baibaojun", Baibaojun on the number of professional advisers, to answer all the questions you encountered on the insurance, for you to customize the most suitable for your insurance products. The first thing you need to do is to find out what you need to do to make sure that you have the right product.