Insurance should suit you. Others say it's nothing, so we must match it according to our own needs. Let me briefly talk about the advantages and disadvantages of these two kinds of insurance, and then you can choose according to your own needs.
First, love guarantees Excellence.
Its highlights are:
1, wide age of insurance: up to 65 years old can also be insured.
2. Hospitalization allowance for serious illness: 300 yuan/day, with a maximum payment of 200 days.
Disadvantages are:
1, poor renewal conditions: renewal needs to be re-examined. If your health deteriorates or claims occur, you may not be able to renew your insurance.
2. No hospitalization advance: If there are large medical expenses, it will be more practical to have hospitalization advance.
Ping An E-Life Insurance is a popular million-dollar medical insurance in Ping An. There are several versions, among which E-Life Insurance (Guarantee Renewal Edition 2020) is the most popular. The insurance premium for this product is very cheap. A 30-year-old man buys 2 million insurance coverage, which is only 364 yuan a year and only one yuan a day!
But will cheap things be reliable? There are different opinions about this product on the Internet, so I did some research. You can look at "It's not good to say" Ping An E Life "online, is it true?"
It's very clear in the article, so just pick a few points and say it briefly.
First talk about the advantages:
1. Good renewal conditions: 6-year renewal can be guaranteed, and 6-year renewal can be guaranteed if the health status changes or claims are made;
2. The cancer insurance coverage is high: the general hospitalization insurance coverage is 2 million, and the malignant tumor hospitalization insurance coverage is 2 million, up to 4 million;
3. Premium exemption: The premium can be exempted from the diagnosis of malignant tumor in the later period of warranty renewal, and the contract remains valid.
After talking about advantages, let's look at disadvantages:
1. cancer medical deductible: many similar products have deductibles for cancer medical treatment or critical illness medical treatment, but this one costs 1 10,000, which is not good enough.
2. No hospitalization advance: If there is a large amount of medical expenses, it will be more practical to have hospitalization advance.
Generally speaking, this product is ok, but if you really want to buy millions of medical insurance, you should compare the advantages and disadvantages of similar products. In fact, I once helped my friend make a comparison chart of millions of medical insurance in the market. You can have a look:
If I haven't found a suitable product yet, I have compiled this collection of millions of medical insurance for your reference. "The list of millions of medical insurance in 2020 is freshly released! 》
Hope to adopt!