Anbang Insurance, the abbreviation of Anbang Insurance Group Co., Ltd., is one of the large insurance group companies in China, with total assets exceeding 654.38+0.9 trillion yuan. The business scope of the member companies of Anbang Insurance Group covers property insurance, life insurance, health insurance, asset management, insurance sales, insurance brokerage and many other businesses.
Anbang Property Insurance was established in 2004.
20 10, anbang life insurance co., ltd was established. At this point, Anbang Insurance has a number of licenses such as property insurance, life insurance and health insurance, and the prototype of Anbang Insurance Financial Group has basically taken shape.
In the same year, it acquired Ruifu Health Insurance Co., Ltd. and changed its name to "Harmonious Health Insurance Co., Ltd."
2. Introduction of bumblebee serious illness products
60 kinds of major diseases, with a maximum guarantee of 600,000.
30% insurance for 30 minor diseases
Free of charge for mild illness/specific serious illness/serious illness.
Return the total premium after death
Optional additional medical insurance for specific diseases is up to 3 million.
Unlike other children who are seriously ill regularly,
1, 30% compensation and exemption of the minor illness insurance amount.
2. Specific medical insurance for critical illness can be attached, with 5 times of critical illness coverage.
Medical insurance for specific serious diseases can only be reimbursed if you have three specific serious diseases. These three diseases are:
Malignant tumor
Severe polio
Major organ transplantation/allogeneic stem cell transplantation
Judging from the high incidence of serious illness in children, it is actually about equal to a cancer medical insurance. Reimbursement is similar to the million medical insurance we mentioned before, and it is not limited to social security drugs.
3. Review Hui Xin 'an's product liability:
Product liability is relatively simple.
1, 50 kinds of serious diseases with a maximum of 800,000.
2. The highest number of 8 specific serious diseases is 6.5438+0.6 million.
This is a routine serious illness with double compensation for children's specific serious illness, such as leukemia, with a compensation of 654.38+0.6 million. The design of ultra-high insurance coverage conforms to the basic function of insurance protection, and the insurance coverage is sufficient.
0-year-old girl, pay 20 years insurance, 800,000 insured amount, and the annual premium is 664 yuan. If she suffers from one of the eight specific diseases (leukemia), the maximum compensation is 654.38+0.6 million.
4. Comparison between Huixin 'an and Bumblebee's guarantee liability.
(Click to view 4K HD images)
Comparative description:
1, the difference of guarantee responsibility: Huixin 'an emphasizes double compensation for serious illness and specific serious illness, and belongs to fixed compensation products.
Bumblebee includes serious illness, specific serious illness medical care and minor illness protection, and specific serious illness medical insurance belongs to reimbursement type;
2. Bumblebee has a 30-year insurance period, which supports 30-year payment, and the payment period is more diversified;
3. In terms of specific diseases, Huixin 'an guarantees 8 kinds of children-specific diseases.
There are only three bumblebees, and the responsibilities of malignant tumor and hematopoietic stem cell transplantation overlap, which narrows the scope of protection to some extent;
4. In terms of serious diseases, Huixin 'an is less than Bumblebee 10.
5. Rate comparison
(Click to view 4K HD images)
It can be seen that Huixin 'an has obvious competitive advantage in the cost performance of people over 5 years old with serious illness, and now it has increased the medical insurance coverage to a maximum of 800,000. There is an advantage in adequate insurance coverage.
6. About claims. Because this product has different forms. There will be differences in claims.
(Click to view 4K HD images)
Huixin 'an has a fixed payment type, so there are few claims data requirements, including ***4 items, but only 1 item involves medical records, which is also very understandable. As long as the hospitalization medical records and confirmed inspection reports are enough, there is no problem of document cost audit. Once a serious illness is verified and diagnosed, it will be paid immediately and collected quickly. However, the medical responsibility of Bumblebee for specific serious illness 1.5 million belongs to reimbursement type, and the claim data * * * involves six items, which are complex and diverse, including inpatient medical records, outpatient medical records and various bill lists.
There are two main reasons for the slow reimbursement of medical expenses:
First, in the case of missing or incomplete information, the time span of supplementary information may be very long. Second, there is no agreement in the product terms to reimburse the medical expenses for the complications caused by these major specific diseases, which is also the advantage of high coverage and fixed compensation for critical illness insurance. Under the condition of high security, complications, rehabilitation expenses, nutrition expenses and parents' compensation for missed work have been compensated in time.
In order to ensure the timely arrival of funds and meet the efficiency of disease treatment, nutritional supplement and rehabilitation treatment, payment-based critical illness insurance may be superior to reimbursement.
7. Final summary:
1, adequate safeguard takes precedence over comprehensive safeguard and long-term safeguard.
You can also consider full security and comprehensive security.
Both products are guaranteed for 30 years.
It is suggested that long-term (life-long) or even long-term (life-long) insurance should be combined with premium budget, and multiple life-long payments can be configured.
A child's life is very long, and there are many possibilities. We should try our best to give it better under the principle of overall planning.
3. Bumblebee's insurance liability will be slightly better than Huixin 'an's, from serious illness compensation to minor illness exemption to high medical care for specific children, from front-end compensation to back-end reimbursement, and comprehensively solve the risk of serious illness of children.
4. The core selling point of Huixin 'an is higher medical insurance, with the highest compensation for specific diseases 1.6 million, and compensation claims. Ensuring adequate protection is the first priority.