In order to make it easier for everyone to understand China Life Insurance (version 20 16) personal tax preferential health insurance (universal type), Senior Sister made the essence of models A and B:
These two kinds of short-term health insurance are guaranteed for one year, but their renewal will not be affected by the health of the insured. If the insurance company fails to apply to stop the renewal of insurance before the expiration of the insurance period, and has paid the renewal premium as agreed, the insurance company shall consider it as renewal, and the guarantee period of renewal is also one year. Guarantee to renew the insurance until the corresponding date of the first year after the insured reaches the statutory retirement age. Some friends may not be familiar with the guarantee renewal. In fact, insurance renewal is common in medical insurance products: how to renew medical insurance and what should I pay attention to? An analysis!
The guarantee responsibility in the clause is mainly to reimburse the medical expenses actually incurred and paid by the insured, which is in line with the scope of product protection. The difference between item A and item B is that the insurance premium for outpatient treatment of chronic diseases in item A is more than that in item B, but this kind of health insurance product with tax incentives cannot replace the critical illness insurance for the following reasons: After reading these contents of medical insurance, you will know why you want to buy critical illness insurance.
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