The insured age is 30 days to 65 years old. In medical insurance, 65-year-olds are not allowed to insure too much, which is very friendly for some older policyholders.
The waiting period is 90 days, which is a bit long, because the waiting period for general medical insurance is only 30 days.
Next, you can look at the security content of Pacific medical care.
The total limit of Pacific medical insurance renewal within 20 years is 8 million.
Among them, general hospitalization: the insured amount is 2 million yuan, and the deductible is 1 10,000 yuan.
Medical insurance for critical illness: covering 55 specific diseases, the amount of protection is 2 million, 120 critical illness is 4 million, the compensation ratio is 100%, and the deductible is 10000.
Serious illness allowance: first diagnosis 120 kinds of serious diseases, and compensation 10000 yuan.
Proton heavy ion therapy: major disease liability is included, and the reimbursement rate is 100%.
The warranty is renewed for 20 years, but the warranty period is 1 year. When the warranty is renewed in the second year, the product will be automatically renewed unless otherwise specified. The warranty period enters the second year, and can be extended to 100 years at the longest.
Price: 30-year-old male, with medical insurance and no additional guarantee, the first-year premium is 238 yuan, and the total insured amount is 8 million yuan, so the quality of heavy ion therapy is guaranteed. This price is cheap.
Generally speaking, the cost performance of Pacific Medical is quite high. Some people say that Pacific medical care cannot be bought because of the long waiting period. If the waiting period is acceptable, it is a product worth choosing.
When buying medical insurance, you must make a good health notification. Because according to the health notification cases of insurance companies in recent years, many claims disputes are caused by the lack of health notification. Health information must be told truthfully, and you should answer whatever you ask. Don't take chances and take out insurance despite illness. In addition, don't go to the physical examination in advance before making health notification. There was nothing after the physical examination. Once found out, it could have been underwritten according to the standard, but the result was to increase, exclude, extend or even refuse.
I hope my answer is helpful to you.