Let's share the product form diagram of centennial medical insurance and regular medical insurance:
Centennial medical insurance Term medical insurance clearly stipulates the insurance liability. Let's take a closer look at the differences between this kind of regular medical insurance:
& gt& gt& gt Centennial Medical Insurance Regular medical insurance will be renewed for 6 years!
Centennial medical insurance Regular medical insurance is a regular medical insurance that can guarantee renewal for 6 years!
As we all know, the underwriting conditions of million medical insurance are very strict, especially for middle-aged and elderly people and people with past diseases. If there is any change in their physical condition, it will affect their continued insurance coverage next year. In addition, if the product can't be sold, there is no way to continue insurance.
Therefore, senior students often say that when starting millions of medical insurance, we should try our best to choose products that guarantee renewal. The competitive advantage of most products that guarantee renewal is that they can guarantee renewal, guarantee the same rate and guarantee the same terms.
In other words, if you buy this "six-year renewal" medical insurance for a hundred years, the insured will not be affected during the six-year period, regardless of poor health or product suspension. And the premium will not rise during the 6-year guarantee renewal period.
In terms of renewal conditions, 100-year medical insurance regular medical insurance is actually very good! !
Consumers can find millions of medical insurance and many other products in the market. For example, this product of Fosun United Beyond Insurance 2020 has the advantage of "guaranteed renewal for 6 years".
Interested friends can learn about:
"Beyond Bao 2020 said a good comprehensive upgrade! 》
& gt& gt& gt Centennial Medical Insurance Term Medical Insurance provides serious illness exemption.
According to the provisions, the exemption of serious illness in the term medical insurance of 100% medical insurance means that the insured suffers from 1 kind of serious illness for the first time, and within the scope of claims, the later premium can be exempted, and the guarantee remains unchanged.
The 100-year term medical insurance provides exemption from the premium for serious illness, which can alleviate the economic pressure to some extent. This is for the insured, and for those who are unfortunately suffering from serious illness.
I understand the advantages. Next, let's study the loopholes in the routine medical insurance of hundreds of medical insurance:
& gt>100 medical insurance Term medical insurance has strict insurance conditions.
After evaluating the 100-year regular medical insurance, the senior learned that this million-dollar medical insurance has very strict requirements for insurance conditions: only medical insurance 1 occupation insurance is allowed!
The requirements of critical illness insurance and accident insurance are stricter than those of medical insurance. Most medical insurance in the market can be provided to 1-4 occupational population. For example, JD.COM Allianz Cherish Unlimited 202 1 Medical Insurance.
Friends who want to know more about this product can read this article:
"True Love Unlimited 202 1 Edition" medical insurance is hidden! 》
At present, 100-medical-insurance term medical insurance only covers 1 occupational population, and this insurance threshold is so high that many people are discouraged.
Summary: The protection responsibility of centennial regular medical insurance for consumers is really clear, mainly including general medical care and serious medical care. It is necessary to pay attention to the protection needs for more than 6 years, the best choice for customers, and the friends who are exempted from serious illness.
Of course, if you pay more attention to whether the guarantee is excellent or not, friends who have requirements for cost performance can also learn about other millions of medical insurance on the market.
Interested friends can read this article:
"Super complete! Domestic popular millions of medical insurance comparison table "
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