Today, Senior Sister will bring you a critical illness insurance assessment, which is also the most popular critical illness insurance in private letters-ironclad Bao Xiao Children's Long-term Million Medical Insurance.
If friends don't have enough time, they can collect it first and watch it when they have time. Senior sister guarantees more dry goods:
Watch out! These tricks are hidden in the long-term million-dollar medical insurance for armored children. ..
1. What are the advantages and disadvantages of long-term millions of medical insurance for armored children?
Needless to say, as usual, I immediately put a photo:
I don't know if you understand this product drawing, but the following senior sister will give you a deeper interpretation:
Advantages:
1. Friendly update conditions
The ironclad Bao Xiao Children's Long-term Million Medical Insurance ensures that the insured's renewal age can reach 17 years old.
What is the guarantee of renewal? However, this product can be used continuously even if it is discontinued. All the insurance clauses in the insurance contract signed with the insurance company will continue to take effect and can be fulfilled until the insurance expires or the guarantee renewal expires.
In this place, senior students should give you a hint, which contains tips on renewing insurance ~ If you want to know, open this article and read the following:
How to renew medical insurance and what should I pay attention to? An analysis!
2. Children's special disease protection
15 special diseases for children included in children's long-term medical insurance cover leukemia, Wright syndrome, severe Kawasaki disease and severe hand, foot and mouth disease.
In other words, people are more assured of the protection given to babies, which must be sincere!
3. Outpatient and emergency treatment before and after hospitalization
At present, most of the millions of medical insurance on the market are 30 days after the first 7 days before and after hospitalization, or even set to 7 days after the first 7 days.
The long-term medical insurance for children with real armor is extended to the first 30 days and the last 30 days, which brings a lot of convenience to the insured. This is because sometimes hospital beds are very tight, not to say that there are.
The reason why the insured is hospitalized during the insurance period is an accident or illness after the waiting period. For medical expenses, the insurance company can only reimburse them if they meet the reasonable and necessary conditions arising from emergency within 30 days before and after hospitalization.
4. Value-added services are intimate
Long-term million-dollar medical insurance for children in Bao Xiao includes online outpatient service, serious illness outpatient appointment, hospitalization assistance and domestic follow-up, advance payment for treatment of serious illness and children's special diseases, MDT multi-disciplinary consultation and other value-added services.
On the one hand, it can solve the problem of "difficult to see a doctor" to a great extent, and at the same time, it can present more comprehensive security services for the insured, so that a more perfect security system can serve the baby.
Is the more value-added services, the better? There are many unknown secrets in it. Click on the following article, let's have a look.
What is value-added service? The more the better?
disadvantaged
1. Long waiting period
The guarantee period of million medical insurance is one year, and the follow-up insurance of one year needs to be re-examined, so the waiting period of many products is short, and consumers only need to wait for 30 days.
But the waiting period for real insurance is 90 days, which is a bit long.
In case the baby is out of danger during the waiting period, the insurance company will not pay the claim and all medical expenses will be borne by itself.
Second, the senior sister suggested
Generally speaking, the long-term million-dollar medical insurance for children in Bao Xiao is still very satisfactory. This product is good in quality and low in price, which is highly recommended.
The medical expenses for treating major diseases are huge, which families with average economic conditions simply cannot afford, while the million-dollar medical insurance has a million-dollar coverage, which can basically reimburse most of the expenses for treating serious diseases.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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