According to the White Paper on the Development of Million Medical Insurance Industry in China jointly issued by iResearch and Zhongan Insurance at the beginning of the year, it is predicted that the million medical insurance market will maintain an annual growth rate of 25%-40% in the next few years, and the total market premium will reach 2 billion10 billion yuan by 2025. After experiencing explosive growth, millions of medical insurance has now entered the product maturity. In 2020, the number of users of this insurance will exceed 90 million, and the market penetration rate will be 7.4%. Since the outbreak of new crown pneumonia, with the continuous improvement of national risk awareness, the market demand for health insurance will increase greatly.
If medical insurance is differentiated according to coverage, quality and premium, medical insurance (critical illness medical care) can be divided into four grades: universal medical care, millions of medical care, intermediate medical care (also called secondary high-end medical care) and high-end medical care. The relationship between them is roughly as follows:
Expensive and difficult to see a doctor is a problem that has been bothering us, and many people will think of buying a medical insurance to solve it. The simplest and cheapest way to solve the cost of serious illness treatment is medical insurance. Most people choose millions of medical insurance.
Thanks to the vigorous promotion and publicity of major insurance companies, various channels and various big V's, Million Medical Insurance has quickly become popular in just a few years with the characteristics of low premium, high security and comprehensive security. But at the same time, the competition among insurance companies is becoming increasingly fierce and involution, and the homogenization of products is also very serious.
Millions of medical insurance, that is, ordinary medical insurance, is basically equal to hospitalization insurance, because the vast majority of millions of medical insurance can only compensate for hospitalization expenses, but not for ordinary outpatient expenses. Millions of medical insurance does not cover general outpatient service, even minor pains and ailments, which is prepared for such a large expense of hospitalization.
Based on the consideration of cost and leverage, millions of medical insurance usually has a deductible of 1 10,000, which filters out many claims and reduces the compensation pressure of insurance companies. This will be relatively more stable and reduce the risk of short-term suspension of sales. However, some common minor operations or hospitalizations, such as appendicitis operation, adenoidal hypertrophy operation, deviated nasal septum operation, hospitalization of acute chlamydia pneumonia, hospitalization of acute gastroenteritis, etc. This kind of hospitalization costs thousands of dollars, and millions of medical insurance are basically not needed.
In recent years, millions of medical insurance has developed rapidly and has been seriously involved. Almost all millions of medical insurance have value-added services of medical green links. Now, even Pratt & Whitney Medical has a green pass. However, with so many medical resources, the development speed is far behind the development of medical insurance.
Lu Tong can help contact the hospital, but the hospital will definitely settle for the second best, and ask which one has a bed. As for whether this hospital is the most authoritative, there is no guarantee. The better the hospital, the tighter the beds, and the need to queue up for surgery. 3-6 months is also common. Suffering from a serious illness, few people can afford to wait. Just go to the hospital quickly.
The same is true of authoritative experts, who are all patients admitted to hospital through green link, and experts are not enough.
There are generally 3-6 people in the general department, and each patient is accompanied by one or two family members. If the accompanying family members don't have a bed, they can only take their own camp beds and sleep by the bed. It is inevitable that there are many people and noise, and the medical resources of general practitioners are not sufficient.
Such as various valves, crystals, stents and artificial limbs. Pratt & Whitney Medical and Million Medical are almost excluded from the cost of these materials.
Proton heavy ion therapy is the most advanced and ideal tumor radiotherapy technology recognized internationally at present, and a course of treatment is about 300 thousand. Money is a problem, but the bigger problem is whether you can queue up.
Millions of medical insurance either does not include quality responsibility or optional responsibility, and it is limited to Shanghai Quality Center (or a limited number of one or two hospitals), which basically belongs to the situation of not being ranked.
The responsibility of purchasing drugs for millions of medical care is my most important guarantee. Millions of medical insurance that can reimburse drugs purchased is basically limited to drugs purchased by malignant tumors. And the dosage is generally limited to 30 days. In fact, many other diseases also need to use purchased drugs, such as decreased platelet count.
For example, the patient's transportation expenses (plane, train, bus, etc. )+accommodation fee.
Among the medical insurance, one million medical insurance can be said to be the strictest underwriting. For example:
Breast hyperplasia, in addition to the responsibility of the whole breast area, will not be compensated for breast cancer in the future. Thyroid nodules, except thyroid full responsibility, will not be compensated for thyroid cancer in the future. Except gallbladder polyp, responsibility of whole gallbladder disease and its complications.
For example, breast hyperplasia is very common. In the eyes of doctors and most people, it is not even called illness, but almost all the millions of medical insurance cover the whole breast area.
Millions of medical insurance actually only solves the most basic problem, that is, it can afford to see a doctor and solve the problem of expensive medical treatment. If you want to solve the difficulty of seeing a doctor (including registration, hospital, experts, hospitalization, beds, operation arrangements, etc.). ), but also want to enjoy better medical resources, medical environment, more advanced treatment methods, millions of medical insurance can not solve.
Some people will say that millions of medical insurance have green services, and it is difficult to see a doctor (including registration, hospitals, experts, hospitalization, beds, surgical arrangements, etc.). ). These problems should be solved well! But now people have 1 copy and 2 copies of insurance, and almost all million medical insurance, many critical illness insurance and even life insurance and wealth management insurance have value-added medical services. However, resources are still extremely scarce, and we still have to queue up to find scalpers or scalpers. Is proton heavy ion therapy important? It is very important that the cancer cure rate in Shanghai Proton Heavy Ion Hospital is also very high, but it is possible to arrange admission after waiting in line for at least half a year. How many patients can afford to wait?
Personally, I don't recommend millions of medical insurance. I usually use micro-medical insurance (Xue Ping insurance for students)+universal medical insurance instead, which has wider coverage and cheaper premium. If you really need millions of medical insurance, there are only two or three products in my recommendation library, which cover two value-added services/guarantees: out-of-hospital special medicine and fee advance, with high cost performance.
First of all, let's be clear: the pit of millions of medical insurance actually lies not in products, nor in protection, nor in its value-added services, and so on.
In fact, there is nothing wrong with the product itself. If you only buy one-year products, it is really good. The deductible of 10000 is not a pit, but an advantage, which raises the threshold of claim settlement, naturally lowers the threshold of premium and increases the leverage ratio. It's a small matter to buy this kind of insurance, but it's cheap to leave the big thing to the insurance company.
However, after the products were put on the market, insurance companies, intermediary companies, agents, brokers, X-Bao, X-letter and various short videos from the media spared no effort to promote them, forming a huge promoter behind the market and deviating from the essence of insurance.
So, where is the pit of millions of medical insurance? Mainly in three aspects:
From the birth of XXe in 20 16 to the appearance of products with 6-year and 20-year guarantee renewal, from the beginning to the present, Million Medical has been vigorously promoting the guarantee renewal to 100 years old. Even though it is strictly restricted by supervision, it will still be marked "Continued to 100 years old" in the most conspicuous place on the display page.
Many salespeople will blindly exaggerate the role of promoting millions of medical care and even mislead consumers. Critical illness insurance is not cost-effective, and millions of medical care can solve any problem. More and more consumers think that there is no need to buy lifelong critical illness insurance.
As a result, many people will think that good X insurance+fragrant X insurance is the best and most cost-effective insurance, and refuse lifelong critical illness insurance.
Fans of good X insurance and X insurance can't understand that the biggest hypocrisy in the insurance industry is actually X insurance. It makes users of one billion traffic pools think that all the best and cheapest insurance products can be bought on X PayPal.
Let you mistakenly think that lifelong critical illness insurance can be a perfect substitute, and let you miss the best opportunity to buy lifelong critical illness insurance. This "trend" is the biggest pit of millions of medical insurance.
Affirmation: I don't think good medical insurance is spicy chicken products, and the medical insurance I bought myself is also good medical insurance.
We must first understand what is the core of buying insurance. Medical insurance itself is to prevent the burden of medical expenses and prevent poverty caused by illness; And serious illness is the guarantee of the quality of life without income in the short term (3~5 years). Their functions are completely different.
I have said this before. Please refer to my previous article for details >; & gt& gt
Children's insurance strategy: what should I buy for children's insurance? How to buy?
Millions of medical care is a good product, but it may not be suitable for everyone. For ordinary people, lifelong critical illness insurance must be the foundation, and medical insurance is only an aid and supplement. Of course, real high-end people don't need critical illness insurance. They need two kinds: high-end medical care and financial insurance (inheritance).
Those who can't afford critical illness insurance for the time being, but will give priority to millions of medical insurance. You can choose inclusive medical care first, and then make up for lifelong critical illness insurance when the funds are plentiful.
Isn't millions of medical insurance very cheap? Two or three hundred dollars can guarantee millions! Actually, this is just to show you what you want to see.
Let's take a look at the real rate of millions of medical insurance. Let's take the best-selling good X insurance as an example.
Assuming that the insurance is renewed until 100 years old and the 0-year-old girl keeps buying 100 years old, we can calculate that the total premium is 29675 1 yuan.
We compare the rates of compound X and x X of critical illness insurance:
For a 0-year-old girl, the lifetime insurance coverage of 1000 yuan is 4. 19 yuan (excluding the 30-year payment rule), 10000 yuan is 4 1.9 yuan, and the total premium required for 500,000 yuan is 2095 yuan/year ×20 years =. So the total premium is 29675 1 yuan. How much insurance can you buy (assuming inflation and premium increase of good medical insurance are not considered)?
3.297 million
Then let's look back. Is the rate of million medical insurance expensive or the rate of critical illness insurance expensive?
The high cost of millions of medical insurance is hidden. All you see is the ratio when you were young. 12300 can be guaranteed by millions, because it is the strongest and healthiest stage in a person's life. When you really need millions of medical insurance, the premium will make you doubt your life. The key is that at that time, if your physical function starts to age or appear abnormal, whether you can buy it is still a problem.
I think critical illness insurance is expensive and I can't afford it. What I lack is not money, but understanding.
First of all, past diseases are not the same as all diseases that you suffered before insurance.
In the past, the disease was a real disease, and it was a "definite risk" for the insurance company, so it was not compensated. It is not a problem, nor is it a "pit".
The problem is that most consumers don't know!
Health notification is one of the main ways for insurance companies to know the health status of the insured, so it is inevitable to ask about past medical history and current medical history. From this perspective, health notification is related to past diseases. However, health notification is only a threshold of insurance, and it is impossible to find everything. Moreover, some products are insured smoothly for consumers, and the number of health notifications is very small, and the inquiries about past diseases are also very vague.
Different from critical illness insurance, the fact that the health information of medical insurance is not asked does not mean that it will definitely get compensation, because it also has exemption clauses for past diseases.
Salespeople rarely mention the exemption clauses of past diseases to consumers, or just pass them by. More is self-insurance through online platforms (especially X insurance), and it is basically unknown to look at the exemption clauses of past diseases, let alone after insurance. This has caused many claims disputes.
The insurance clause clearly stipulates the past medical history. Or take a good X-insurance as an example. The definition of "past diseases" is as follows:
When insuring critical illness insurance, life insurance and accident insurance, we all know that the less health information, the more consumer-friendly the product will be, but it is not necessarily in medical insurance. The biggest risk of buying insurance is information asymmetry. The less health information is asked, the less information the insurance company has about everyone. Then, if the claim stage is reached, all claims will be rejected on the grounds of "past diseases", which will lead to claims disputes.
Consumers are innocent and the market is too misleading. However, after reading this article, consumers are still unwilling to think deeply about the logic behind it and can't understand the tricks, so they can only bear it themselves.
In my personal opinion, it is not within the scope of priority recommendation. Every salesman, every agent/broker has his own position, welcome to discuss and refuse to wrangle.
Ps:
It is never easy to buy insurance. Don't buy insurance easily, you must choose the insurance that suits you best according to your physical condition, economic conditions, living habits and so on, by comparing different products horizontally and vertically. If you don't know the rules, guarantees, services and premiums of insurance products and don't know how to choose them, please remember to consult the insurance professionals around you.