The purchase suggestions of Million Medical Insurance are as follows:
1, select the appropriate insurance period and amount. According to their own health status, age and economic strength, reasonably determine the insurance period and amount. Pay attention to the fact that the insured amount should not be too low to avoid medical expenses exceeding the insured amount, nor too high to avoid paying excessive premiums.
2. Understand the terms and conditions in the insurance contract. Read the insurance contract carefully to understand the specific coverage, exemption clauses, deductible, waiting period and other important contents of the insurance. Make sure that the insurance contract contains the protection items you need, and understand the claims process and requirements of the insurance company.
3. Compare the products of different insurance companies. Millions of medical insurance products from different insurance companies may have different prices, coverage and service quality. By comparison, choose an insurance company with good reputation, reasonable price and comprehensive protection. You can consult insurance professionals, or you can get relevant information through online platforms and insurance company official website.
4. Check and update the insurance plan regularly. With the increase of age and the change of living environment, the insurance demand will also change. It is suggested to regularly evaluate and adjust the coverage and insurance period of millions of medical insurance to ensure that the insurance plan meets individual needs.
To sum up, millions of medical insurance usually does not refund the disease-free expenses. It is suggested to choose the appropriate insurance period and amount according to personal circumstances, understand the terms of insurance contracts, compare the products of different insurance companies, and regularly check and update insurance plans. It is best to buy millions of medical insurance to protect the health and financial security of yourself and your family.
Legal basis:
People's Republic of China (PRC) insurance law
Article 16
An insurance contract shall clearly stipulate the scope of the insured accident, the insured amount or subject matter, the insurance period, insurance rates and expenses, insurance liability and exemption from liability, insurance payment, insurance payment calculation and payment method, insurance application and acceptance period.