1.E What is the coverage of China Life Insurance such as Kangyue Million Medical Insurance? Any highlights?
If you want to let everyone know more about e Kangyue Million Medical Insurance, you can look at the protection map of this product:
According to the above picture, there are not many bright spots.
1, short waiting time.
The waiting period of 30 days is a highlight of e Kangyue Million Medical Insurance. Here, we need to give you a general understanding. If you are in danger while waiting, the insurance company will not compensate you. The longer the waiting period, the later the guarantee.
Generally speaking, it is reasonable to set the waiting period for millions of medical insurance at 30 days. If there is a waiting period of more than 30 days, it is necessary to consider whether this guarantee content is worth waiting for that long.
Although the waiting period is a trivial matter, if you are not careful, it will easily lead to the trouble of claim settlement: will the insurance company not pay compensation during the waiting period?
2. There is no restriction on reimbursement within the scope of social security.
There are no restrictions on reimbursement within social security, such as e Kangyue Million Medical Insurance. If the expenses meet the insurance requirements, they are necessary and can be reimbursed. More powerful than those products that only provide reimbursement within social security.
After talking about the advantages of e Kangyue, let's take a look at its disadvantages!
Second, after reading these points, I can only say that e Kangyue is a long story!
1, renewal is not guaranteed.
Generally speaking, the guarantee period of millions of medical insurance is 1 year. At present, there is no product on the market that can guarantee life-long renewal. The insured person buys it for one year and guarantees it for one year. If the health suddenly appears abnormal or claims have been made, the risk of renewal is high and it is difficult to insure new products.
Only by ensuring the renewal of insurance can we get continuous protection. As long as you can guarantee the renewal, the insurance company will still underwrite it, regardless of whether you get compensation or not and whether there is any abnormality.
China Life Insurance such as E Kangyue Million Medical Insurance is not guaranteed to be renewed. For people with poor health or the elderly, the risk of unsustainable protection is greater.
Updating is very important. If you don't know how to renew your insurance, you will suffer a big loss: how to renew your insurance and what should you pay attention to? An analysis!
2. Insufficient protection.
China Life Insurance, such as E Kangyue Million Medical Insurance, has a total insurance coverage of only 4 million. We can buy more than 6 million medical insurance products at the same price, so it seems that the leverage of this product is too low.
In addition, only those who are hospitalized with malignant tumors, such as e Kangyue Million Medical Insurance, will pay the allowance. It is worth noting that it has no proton heavy ion protection, and the better technology in the treatment of malignant tumors is proton heavy ion, but the cost of proton heavy ion is relatively expensive. If the product contains proton heavy ion protection, the insured can be treated without worry.
At present, proton heavy ions are covered by many millions of medical insurance, such as Ping An E Life Insurance and JD.COM Allianz Cherish Unlimited. E Kangyue Million Medical Insurance has only one hospitalization allowance, so there is no proton heavy ion, so the protection intensity for cancer protection is not great!
Unfortunately, space is limited. For example, e Kangyue introduced here. If you have any plans for further understanding, you can read this article: e Kangyue Medical Insurance 202 1, be careful of these three shortcomings!
Generally speaking, if the cost performance of e Kangyue Million Medical Insurance is not high, I suggest you choose other products with better cost performance ~
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