Indeed, millions of medical insurance has both high security and affordable prices, which can be said to be the most worth buying among the four major types of insurance.
But for those friends who have little knowledge of insurance, the existence of millions of medical insurance still has no impression.
So next, the seniors will share with you the common sense of millions of medical insurance.
Before you start, friends who don't know the four major types of insurance: critical illness insurance, medical insurance, accident insurance and life insurance can refer to this popular science article:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
1. Is million medical insurance useful? What are the benefits of buying it?
The biggest function of million medical insurance is that it can complement medical insurance and solve the medical expenses caused by the insured's illness and hospitalization.
You know, although medical insurance is good, it not only has a deductible line, but also has a limited scope of reimbursement. For example, the expenses such as cancer specific drugs need to be paid by the insured.
Like sick families, the places they need to pay are also under great pressure.
No matter what the disease is, the reimbursement of millions of medical insurance will not be limited. After deducting the deductible, the appropriate and necessary medical expenses caused by the disease can basically be reimbursed by millions of medical insurance.
Millions of medical insurance can reduce the economic impact of the insured due to illness to a certain extent, and reduce the possibility of poverty caused by illness and returning to poverty due to illness.
Only seniors still think that if there are extra funds in hand, we'd better allocate critical illness insurance, because the payment insurance of critical illness insurance can be used indefinitely, not only to pay medical expenses, but also as follow-up rehabilitation expenses and family living expenses. , can more effectively transfer the economic risks brought by serious diseases.
Senior sister has compiled ten excellent critical illness insurance products for everyone here, and friends with insurance needs can start:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
As can be seen from the above, the effect of millions of medical insurance is still very good, and the price of millions of medical insurance is generally not expensive. You can buy millions of medical insurance for about 100 yuan, which is cost-effective.
Next, the senior sister will take you to know how to buy millions of medical insurance with high cost performance.
Second, how to buy a good million medical insurance?
Want to buy a good million medical insurance, focus on these points:
1. Is the basic guarantee comprehensive?
It is absolutely necessary to provide basic guarantees for eligible millions of medical insurance, such as hospitalization, outpatient surgery, special outpatient service and outpatient service before and after hospitalization.
If the basic guarantee of a medical insurance is not good, everyone can give it up directly. Even if the price of millions of medical insurance is not high at all, should the money be spent where it should be spent?
2. Can it be intelligently underwritten?
Manual underwriting products will be more strict in health notification than products underwritten in other ways, while intelligent underwriting is very prominent in convenience and rapidity, so you can know whether you can buy products and whether you need to increase fees. Even if you don't meet the insurance conditions, you won't have a history of being refused insurance.
3. Are the conditions for renewal relaxed?
Millions of medical expenses are guaranteed for one year, and products with relaxed renewal conditions can better meet the needs of friends with poor physical conditions.
Because the health information of health insurance is extremely strict, once the disease claims occur, it is particularly strict to consider other types of insurance. Whether you buy critical illness insurance or medical insurance, if you are worried that you can't buy insurance that meets your requirements because of health problems, you can choose products that don't require too much health information.
4. Are value-added services practical and rich?
Millions of medical insurance is a highly leveraged insurance with similar coverage. Excellent products are different from ordinary products except for basic guarantee and renewal conditions. The difference lies in whether they provide effective value-added services such as proton heavy ions, advance payment, green link of medical services, purchasing drugs, etc., and the number of these value-added services is not much. The key is whether they are practical.
Generally speaking, the following four points are necessary for a good million medical insurance: comprehensive protection, renewal conditions, value-added services and relaxed underwriting.
Senior also helped you find out ten excellent millions of medical insurance, you can choose to have a look:
The latest 10 million medical insurance rankings are freshly released! 》
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