Today, Senior Sister made an evaluation on the millions of medical insurance mentioned most in private letters-ironclad Bao Xiao children's long-term millions of medical insurance.
If your friends are pressed for time, you can collect them first and watch them later. Senior sister guarantees that there are many dry goods among them:
These tricks are hidden in the long-term million-dollar medical insurance for armored children. ..
1. What are the advantages and disadvantages of long-term millions of medical insurance for armored children?
As usual, no nonsense, immediately above:
I don't know if you can understand this product map, and then the school sister will deeply interpret it for the friends:
Advantages:
1. Friendly update conditions
Long-term medical insurance of one million yuan for children with genuine medical insurance can be unconditionally extended to 17 years old.
What is the significance of guaranteeing renewal? That is, the product is not affected by the suspension of product sales. Every guarantee promised in the previous contract between the insured and the insurance company remains valid and can be fulfilled until the insurance expires.
Senior sister reminds everyone to keep the tips ~ you know, open this article and have a look:
How to renew medical insurance and what should I pay attention to?
2. Children's special disease protection
The ironclad Bao Xiao Children's Long-term Medical Insurance covers 15 special diseases of children, including leukemia, Wright's syndrome, severe Kawasaki disease and severe hand-foot-mouth disease.
It is equivalent to adding a chain to the protection of the baby, absolutely sincere!
3. Outpatient and emergency treatment before and after hospitalization
At present, millions of medical insurance on the market are mostly set before and after hospitalization, 7 days before emergency, 30 days after emergency, and what's more, the first 7 days are all set like this.
However, the first 30 days and the last 30 days before and after the long-term million-dollar medical insurance for armored children has solved many problems of insurers, because sometimes there will be a shortage of beds in hospitals, which is not necessary.
During the insurance period purchased by the insurer, the insurer is hospitalized due to illness after an accident or during the waiting period. For medical expenses, only reasonable and necessary cases arising from emergency treatment within 30 days before and after hospitalization can the insurance company reimburse them.
4. Value-added services are intimate
Long-term million-dollar medical insurance for children in Bao Xiao includes online outpatient service, serious illness outpatient appointment, hospitalization assistance and domestic follow-up, advance payment for treatment of serious illness and children's special diseases, MDT multi-disciplinary consultation and other value-added services.
On the one hand, properly handling the problem of "difficulty in seeing a doctor" can make insurance companies more comprehensive and efficient, and make the baby's security system more perfect.
disadvantaged
1. Long waiting period
The guarantee period of million medical insurance is one year, and the follow-up insurance of one year needs to be re-examined, so the waiting period of most products is very short, only 30 days.
But the waiting period for real insurance is 90 days, which is a bit long.
If there is an agreed compensation event during the waiting period, the insurance company will refuse to pay compensation, and all medical expenses will be borne by itself.
Second, the senior sister suggested
Generally speaking, the long-term million-dollar medical insurance for children with real armor and small insurance is still very good. This product is good in quality and low in price, which is highly recommended.
The medical expenses for treating major diseases are huge, which cannot be borne by families with small economic advantages. However, millions of medical insurance provides millions of insurance coverage, which can generally reimburse most of the medical expenses for serious diseases.
This alone is enough to be the reason why everyone must start with the million critical illness insurance.
If you want to choose from other products, senior, there are other million medical insurance with high cost performance for you. You can have a look:
Ten million medical insurance rankings are freshly released!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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