Many people are tempted by this product because of the big company effect and many auras. The strength of China Ping An Life Insurance Company of China Insurance Company is noncommittal. You can deepen your understanding through this article, but I won't go into details:
How about China Ping An Life Insurance Company of China Insurance Company? What product? What pit routines are there?
Let's focus on, how about 202 1 Ping An I have no worries about medical insurance, and whether it is worth starting with.
1.202 1 What are the advantages and disadvantages of safe and worry-free medical insurance?
Let's pay attention to 202 1 peace. What can I guarantee with worry-free medical insurance?
202 1 ping an I worry-free medical insurance is an upgraded version of ping an I worry-free medical insurance, which is an anti-cancer medical insurance and specifically protects cancer insurance. The guarantee responsibility is the insurance money for the treatment of cancer in situ and malignant tumor.
Let's take a look at the advantages of 202 1 Ping An's worry-free medical insurance:
1, with a wide age range.
At present, many medical insurances set a strict age range for the insured. For people over 60 years old, it has become a difficult problem to buy appropriate medical insurance.
But if you buy 202 1 Ping An and I have no worries about medical insurance, then the problem of age limit is very small. Even if you are 70 years old, you can buy this insurance. This is still very friendly to the elderly.
2. The insurance threshold is low.
202 1 ping an I worry-free medical insurance continues the advantage of the old version I worry-free, that is, the underwriting conditions are relaxed, and the "three highs" people can also be insured.
Hypertension, hyperglycemia and hyperlipidemia are common diseases in daily life, which are collectively called "three highs" and are difficult to treat. Most of the "three highs" people are the objects that insurance companies refuse to insure because of risk concerns.
Therefore, for consumers, the 202 1 safe and worry-free medical security is trustworthy. But I still suggest that you pay more attention to it, and first understand the problem of 202 1 Ping An I have no worries about medical insurance before making a decision.
Frankly speaking, even though 202 1 Ping An I Worry-Free Medical Insurance is a brand-new and improved product, compared with the previous I Worry-Free version, this upgraded version has not greatly improved the protection.
The original shortcomings have not been solved:
1, the renewal fee is unstable.
202 1 the most obvious disadvantage of Ping An's worry-free medical insurance is that the renewal is unstable and not guaranteed. Guaranteeing renewal is the promise of insurance companies to customers. During the period, the product is discontinued, claims are made, and health becomes worse, which does not affect the renewal of insurance.
Many excellent anti-cancer medical insurance on the market have guaranteed renewal conditions. For example, Sunshine Shennong's six-year cancer medical insurance not only supports the "three highs" group, but also guarantees six-year renewal.
Because the elderly are older, it is difficult to buy suitable health insurance, but for the elderly, Sunshine Shennong 6-year cancer medical insurance, a product that can guarantee renewal, is too satisfactory.
2. The deductible is high.
202 1 ping an I worry-free medical insurance has three deductible schemes to choose from, and the maximum deductible is 30,000 yuan. Simply explain the deductible, that is, within the guarantee period, the expenses can only be reimbursed if they reach a certain amount.
In other words, if the insured is hospitalized with cancer, the first treatment cost is 6,543,800 yuan. After the medical insurance bears a certain amount of medical expenses, the remaining medical expenses can only be reimbursed after the insured pays the deductible of 30 thousand out of his own pocket.
Many friends don't know much about deductible. Senior sister has compiled an introduction about deductible for everyone:
What is the deductible? How about a low deductible?
30,000 yuan is not a small expense for cancer families. Just for this, senior, I don't suggest you start this 202 1 safe and worry-free medical insurance.
3, there is no proton heavy ion guarantee
Proton heavy ion protection is the most commonly used medical treatment for tumors at present, but the problem is that it is difficult to make an appointment and the medical expenses are high.
Some anti-cancer medical insurance in the market provide proton heavy ion protection, which can be considered for cancer families and reduce their medical pressure, just like Cai Jing's lifelong anti-cancer insurance, but proton heavy ion protection is just beyond the design scope of 202 1 Ping An I Worry-Free Medical Insurance.
After this comparison, 202 1 Ping An My Worry-Free Medical Insurance is not excellent.
Second, is 202 1 ping an I worry-free medical insurance worth buying?
In a word, the biggest feature of 202 1 Ping An I Worry-Free Medical Insurance is that the purchase threshold is relatively low, which is suitable for the "three highs" group.
At the same time, we should pay more attention to this point. 202 1 ping an I worry-free medical insurance, renewal is not guaranteed. If it needs long-term protection, you should consider buying this product more. On the same premise, you can choose a better one.
I have prepared a most comprehensive guide to purchasing cancer insurance for everyone, and friends in need can collect it most comprehensively:
What is the use of buying cancer insurance and how to buy it? Here gives you a deep understanding.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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