Before you start, if you want to know about insurance, you can read the following article:
"Super complete! Everything you want to know about insurance is here.
First, how about health insurance for specific infectious diseases?
Before it is too late, let's take a look at the product map of this national health insurance for specific infectious diseases:
1, waiting period
From the product diagram above, it can be analyzed that the waiting period for everyone to benefit from health insurance for specific infectious diseases is 5 days, which is quite good.
After all, we all know that if the insured is in danger due to accidental injury during the waiting period, then the insurance company will not apply for compensation.
In addition, we can know that this universal health insurance for specific infectious diseases is a disease insurance with the longest guarantee period of 1 year.
Therefore, the five-day waiting period is at an excellent level among other similar products on the market. For those who are still confused about the waiting period, you can read the following article:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. Security content analysis
Next, let's take a look at the content of everyone's health insurance for specific infectious diseases.
It can be seen that the guarantee content of this product includes mandatory liability and optional liability.
Among them, the premium of critical illness insurance for specific infectious diseases is required. After the waiting period of the insured is over, the hospital will first check out the characteristic infectious diseases agreed in the contract, and the intensive care unit of the hospital will receive intensive care treatment. If it meets the contract conditions, the insurance company will provide an insurance premium.
Optional protection mainly includes specific infectious disease diagnosis insurance and specific infectious disease death insurance, which you can decide according to your own situation.
In addition, the compensation for this product is relatively general. Compared with similar products with extra compensation on the market, this product is still unattractive in terms of content protection.
Seeing this, everyone should have a certain understanding of your health insurance for specific infectious diseases. However, for the small partners who are going to buy, I still suggest that you don't buy it in a hurry. You will know after analyzing the following content!
Second, start with universal health insurance for specific infectious diseases? These aspects need attention!
1, payment period
We can analyze that the payment period of this national health insurance for specific infectious diseases includes wholesale payment and regular payment.
However, if the guarantee period is less than one year, then we should consider paying in batches, that is, one-time sexual intercourse premium.
2. Non-guaranteed renewal
What needs special analysis is that this universal insurance for specific infectious diseases is directly stated in the contract terms as a product that does not guarantee renewal.
At the expiration of the insurance period, the insured needs to re-insure through the insurance company, and with the consent of the insurer, pay the premium and get a new insurance contract.
However, if the insured first checks out the specific infectious diseases stipulated in the contract during the insurance period, it will not meet the requirements for renewal.
If you have any questions about renewal, please read the following article:
What should I pay attention to when renewing medical insurance? An analysis! 》
Generally speaking, the specific infectious disease insurance for everyone's health is cost-effective. Although the protection for specific infectious diseases is comprehensive, the protection is unstable and not worth buying.
Write it at the end
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