How about 0 1 universal inclusive hospitalization insurance?
Let's take a look at the universal coverage of inclusive hospitalization insurance:
Next, let's take a look at the detailed guarantee content:
1.？ Insurance rules
1) Insurance age:
18-50 years old, adults can be insured, and the maximum age of insurance is 50 years old. Compared with the general million medical insurance, the age limit for insurance is stricter.
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2) Warranty period:
1 year, medical insurance is generally short-term, which is not much different from ordinary million medical insurance.
2.？ Basic guarantee
1) Cancer hospitalization and non-cancer hospitalization:
Both * * * use 500,000 insurance money, of which cancer hospitalization can be reimbursed inside and outside social security, and non-cancer hospitalization can only be reimbursed within social security.
2) Reimbursement ratio:
After deducting the deductible of 65,438+0,000 yuan, 80% can be reimbursed after social security reimbursement, and only 50% can be reimbursed without social security reimbursement.
3.？ insurance expenses
According to different ages, the universal insurance premium for Pratt & Whitney students is divided into three grades: 18-40 years old, and 60 yuan every year, that is, people who only need 5 yuan to enjoy 500,000 yuan a month.
4 1-45 years old annual premium 162 yuan, 46-50 years old annual premium 330 yuan. With the increase of age, the premium is also increasing.
What are the advantages and disadvantages of universal coverage of inclusive hospitalization insurance?
1. Advantages of universal coverage of inclusive hospitalization insurance
1) The premium is cheap.
/kloc-The annual premium for teenagers aged 0/8-40 is only in 60 yuan, and even for the elderly, the highest premium is only in 330 yuan.
According to the premium calculation, the average million-dollar medical insurance needs about 300 yuan at the age of 30, while the universal insurance of Pratt & Whitney inpatient medical insurance only needs 60 yuan, which is only one fifth of the average million-dollar medical insurance price.
2) Loose health information
The health instructions for this product only ask about six diseases, diabetes, stroke and even disabled people can be insured, and the requirements are very loose.
3) In addition to previous diseases:
There is no exemption from past diseases in the clause. For example, after being insured, diabetic patients can still claim compensation for being hospitalized for diabetes.
2.？ Disadvantages of universal coverage of inclusive hospitalization insurance
1) Small coverage:
Whether it is cancer or non-cancer, this product only covers hospitalization expenses, such as special outpatient support and proton heavy ions included in general million medical insurance, and it does not.
2) Strict reimbursement restrictions
Only cancer can be reimbursed for self-funded drugs, while hospitalization of non-cancer patients such as stroke, myocardial infarction and accident can only be reimbursed for expenses within the scope of social security, which is strictly limited.
3) Low insurance coverage
Compared with the general million medical insurance, this coverage is only 500 thousand, which is relatively low.
4) There is a deductible
The deductible of universal insurance for Pratt & Whitney's hospitalization medical insurance is 6.5438+0 million yuan, which is unfavorable to the insured, because the micro-doctor may not reach the threshold of 6.5438+0 million yuan at all, which reduces the possibility of claim settlement.
Of course, there is also medical insurance with zero deductible. If you want to know, you can poke here: What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
5) update strictly
The renewal of insurance needs to be reviewed, which is not good for the insured. For example, if the claim is settled this year, the insurance may not be renewed next year.
Is it worth buying universal Pratt & Whitney hospitalization insurance?
Next, I will compare it with the popular million medical insurance on the market:
I give the conclusion directly:
If you pursue medical insurance for serious illness: enjoy E-health 2020.
This product has 6 million medical insurance for serious diseases, 12 1 rare diseases, but other products do not.
If you pursue renewal: Ping An E Life Insurance Renewal Edition 2020, Micro-medical Insurance Long-term Medical Care 2020.
These two products are guaranteed to be renewed for 6 years, so you don't have to worry about stopping selling them in the short term.
If you pursue proton heavy ion therapy: enjoy electronic life 2020.
Exclusive E-2020 proton heavy ion can be reimbursed 100%, with a maximum limit of 1000000.
If you pursue the hospitalization allowance for serious illness: Ping An E-Life Insurance Renewal Edition 2020, enjoy E-Life 2020.
Ping An E Life Insurance Renewal Edition 2020 can get the hospitalization allowance for diagnosed malignant tumor 1 ,000 yuan, and enjoy the daily hospitalization allowance for E Life Insurance 2020 1 ,000 yuan.
If you pursue medical expenses in advance: enjoy e-health 2020 and micro-medical insurance long-term medical care 2020.
These two products can enjoy medical expenses in advance in more than 80 designated cities.
These are just a few kinds of medical insurance. Want to know more about the excellent millions of medical insurance, you can see here: What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
Let me summarize.
Generally speaking, through comparative evaluation, we find that the universal inclusive hospitalization insurance has advantages in terms of premiums, and the protection is not comprehensive.
This product is suitable for people who are physically abnormal and cannot take out other medical insurance.
Of course, if you want more comprehensive protection, in addition to medical insurance, you need to configure critical illness insurance, accident insurance and life insurance.
For more inventory of medical insurance knowledge, please refer to my previous article: What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020