E life insurance is insured by individuals alone, and e family insurance is insured by at least 3 people.
Personally, I think this kind of product is worth buying, because a few hundred dollars can protect millions (the premium varies with age). Although there is a 10 thousand yuan exemption from inspection, both imported drugs and self-funded drugs can be reimbursed. Now that medical expenses are so expensive, this insurance can avoid going back to the situation before liberation.
In addition, after buying such products, it does not mean that you don't need to buy critical illness insurance. The two are different in nature. The money paid by the former has been given to the hospital, and compensation can only be applied after the treatment, and invoices need to be submitted for reimbursement. The latter's money is for himself and his family, and it is paid in one lump sum with the diagnosis certificate and pathological report. There is a green channel, complete information and fast payment, which can solve the serious illness and need money urgently.
If a person has both electronic health insurance and Ping An Fu (a product of serious illness), it is equivalent to ensuring that the money earned before will not be lost, and he can still live in the future (because the serious illness fund does not need to pay medical expenses, it can be used as nutrition expenses and family expenses in the future).
It is unfortunate that a person is seriously ill. It is even more unfortunate if the family is poor because of personal illness. In this society, many people still drop out of school in order to cure diseases.
I hope everyone can have insurance suitable for themselves and their families.
A non-sales person who has been engaged in the insurance industry for ten years.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.