Next, Xue Jie will take you to know about Shuidibao, a third-party insurance platform, and see if it is as brilliant as rumored.
Before starting the analysis, you might as well know how to distinguish online insurance from offline insurance:
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
1. What company is Shuidibao? Could it be a lie?
1. Company background
Shuidibao is an internet insurance platform launched by Shuidibao Company in May 2007. Its main operator is Shuidibao Insurance Brokerage Co., Ltd., which is a national insurance brokerage company approved by China Banking and Insurance Regulatory Commission.
The registered capital is 50 million yuan, and Beijing Indulge Forward Technology Co., Ltd. holds shares 100%. At present, Didi Bao has reached cooperation with more than 60 well-known domestic insurance companies and launched hundreds of high-quality insurance products with high cost performance.
It involves all kinds of personal health insurance such as medical treatment, serious illness, accident, life insurance and annuity, covering children, adults, the elderly and patients with chronic diseases.
2. User data
By September 2020, the platform has secured nearly 654.38+0.4 billion users, with more than 765.438+0 million households, covering nearly 94% of the cities and counties in China, and 76% of the users are from cities below the third line.
According to the data, the repurchase intention is as high as 73%, making it the first choice for more users to buy insurance.
Second, is the product of water drop protection reliable? What is the content of protection?
Regarding the product of water drop protection, senior sister still gives an example directly. I'll give you a product drawing directly, which introduces the water drop million medical insurance 202 1:
After reading the product drawing, let's analyze it together.
Advantages of 202 1, covering millions of medical insurance:
1. Optional deductible
In terms of deductible, medical insurance 202 1 offers two options: 5000 yuan and 10000 yuan, but the higher the deductible, the cheaper the premium, and vice versa.
The so-called deductible, generally speaking, the insurance company does not need to bear the liability for compensation within the limit. When the value of medical expenses exceeds this limit, the insurance company will pay.
Millions of medical insurance 202 1 has set two quotas in terms of deductible, so that people with different budgets can be satisfied and everyone will not feel sad because of the annual premium.
But is the deductible really as small as possible? Senior sister doesn't quite agree. What is the specific content? Let's see:
What is the deductible? Is the deductible as small as possible? 》
2. Before and after hospitalization, the emergency nursing time is long.
The pre-hospitalization and post-hospitalization emergency of Didi Guarantee Million Medical Insurance 202 1 includes 30 days before hospitalization and 30 days after discharge. Of course, all medical expenses of the insured during this period can be reimbursed.
At present, millions of medical insurance patients are mostly in the first 7 days and then 30 days before and after hospitalization, and some insurance is actually in the first 7 days and then 7 days.
The 202 1 covering millions of medical insurance has reached 30 days after the first 30 days, which provides great convenience for insurers.
The insurance company will reimburse the reasonable and necessary medical expenses incurred in the emergency within 30 days after hospitalization, whether during the insurance coverage period or during the waiting period.
Disadvantages of 202 1 medical insurance million drops of water;
1. The waiting time is limited.
As you know, this product has three different waiting periods, 202 1. If the waiting period is 30 days, the waiting period for emergency medical treatment is 60 days, and the waiting period for serious illness medical treatment is 90 days.
However, at present, the waiting period of excellent million medical insurance on the market is basically 30 days. There is no distinction between general medical care and serious medical care, and they are all treated equally.
In this regard, the medical insurance 202 1 guaranteed by water drops is still a bit lacking!
Third, senior sister suggested.
Through all aspects of understanding, the protection of Drip Million Medical Insurance 202 1 is still very good, but it also has a disadvantage, that is, the waiting period is too limited.
Therefore, Senior Sister suggested that you should think twice before deciding whether to insure Didi Million Medical Insurance (202 1). Choose a few excellent millions of medical insurance first, and then make a decision after comparison.
Just to tell you about the excellent million medical insurance, senior sister has a list of excellent million medical insurance, and friends who want to know can have a look:
Ten million medical insurance rankings are freshly released! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!