For many customers, this kind of insurance is a mixture of love and hate. Do you know that China-Korea Life Insurance recently launched a new product called China-Korea Good E-Insurance Medical Insurance? Sister Xue will analyze this product for you and find out the reason: Why do millions of medical insurance make you love and hate? Why did the news party only get 50,500 yuan in compensation?
Also, you should know that this good electronic insurance and good medical insurance are different! Friends who want to know about medical insurance can refer to this article:
What's wrong with the 20-year version of good medical insurance and long-term medical insurance?
Let's take a look at the product protection map of good e-insurance medical insurance in China and South Korea, and then start the evaluation. After reading it, I believe you will have some understanding of the basic information of this product:
According to the above picture, we can get some information Compared with other medical products, the coverage of China-Korea good e-insurance medical insurance is more comprehensive. General medical insurance and medical insurance for major diseases are included in their insurance responsibilities, and each insurance responsibility promises to protect four contents: hospitalization medical expenses, special outpatient medical expenses, outpatient surgical medical expenses and outpatient emergency before and after hospitalization.
After knowing this information, the coverage of E-insurance medical insurance in China and South Korea is very large, but what are its benefits? What are the disadvantages? Then I will tell you all the questions mentioned before, and the answers are mentioned below.
Naturally, you have to shop around to know whether it is cost-effective. You can compare it according to the following rankings:
Ten million medical insurance rankings are open!
Advantages of good electronic insurance in China and South Korea;
1, guarantee renewal
Under normal circumstances, medical insurance is a short-term health insurance that is guaranteed once a year. Once the insurance period expires, the insured wants to continue to be protected, so he must submit an application for renewal to the insurance company, and the insurance company can continue to enjoy the protection only after it judges that his application for renewal is qualified. However, if the health condition of the insured deteriorates in the previous year's guarantee period, in many cases, the insured's application for renewal of insurance may encounter great resistance during the review.
In addition, if the insurance products stop selling after one-year insurance expires, we have to find other products to insure from scratch.
It can be seen that one reason why consumers hate millions of medical insurance is renewal.
One of the outstanding points of China-Korea good E-insurance medical insurance is to give the insured six years' guarantee renewal time.
What does it mean to guarantee renewal? It means that once you have successfully insured the China-Korea Good E-Insurance Medical Insurance, the insurance company will agree within six years after the insurance, whether the China-Korea Good E-Insurance Medical Insurance is still on sale or not, whether the physical quality of the insured has improved or deteriorated during this period, and further, even if you have applied for a claim, as long as you want to renew the insurance, the insurance company will agree and will not refuse the insurance for any reason.
Therefore, in the latter protection, good e-insurance medical insurance in China and South Korea can still make consumers less worried.
2. There are many options for deductible.
In the eyes of most consumers, another reason why they love and hate millions of medical insurance is that almost all millions of medical insurance have "deductibles".
Part of the compensation amount of insurance money is the deductible that the insurance company does not need to compensate. In other words, the lower the deductible, the lower the risk that the insured needs to bear, so the part that can be reimbursed becomes less.
There are two levels of deductible services provided by China-Korea Good E-Insurance Medical Insurance for the insured. You can choose either one: scheme 1: deductible 10000, and scheme 2: deductible 20000.
This is very beneficial to consumers who are afraid of the risk of serious illness, have a good economic situation, can afford medical expenses of 20 thousand to 30 thousand, and have certain hope for consumption without the risk of serious illness.
I'm afraid there will be risks in this respect, but I'm worried that the insurance money will be wasted without accident. Friends who have this idea can adopt the second scheme of ensuring medical insurance in China and South Korea, which will increase the deductible of medical insurance and reduce the insurance premium.
Perhaps, when the danger does not come, the insurer can also spend less money to pay the premium; When the risk occurs, not only that, the insured can also get the protection of medical expenses loss beyond his own tolerance.
Senior sister feels it is necessary to remind everyone that most of the reimbursement insurance is similar to China-Korea good e-insurance and other million-dollar medical insurance, which means that the actual medical expenses paid by the insured can be paid by the insured amount, and the claim amount cannot be higher than the insured amount. Therefore, when the deductible is too high, it is easy to have the problem of "the insurance claim amount is 2 million, and only 50 yuan will be paid in the end".
Do you understand the shortcomings of good e-insurance medical insurance in China and South Korea? Let me show you:
The scope of designated hospitals for proton heavy ion therapy is small.
Proton heavy ion is the most effective method to treat cancer with few side effects. For this kind of treatment, China-Korea Good E-Insurance Medical Insurance promises to provide protection, and the reimbursement ratio of compensation can reach 100%. This is very eye-catching, but the disadvantage is that the restrictions on hospitals are too high.
At present, the proton heavy ion medical institutions recognized by China and South Korea's good e-insurance medical insurance only refer to "Shanghai proton heavy ion hospital", so in fact, the insured's medical scope is limited, and it is even more difficult to see a doctor.
However, there are also some shortcomings in China and South Korea's good E-insurance medical insurance. However, the space is really limited, so senior students will not analyze it in depth. Let's take a look at the following article:
China-Korea good e-insurance medical insurance began to sell, there are several loopholes to be careful!
In short, the content of China-Korea good e-insurance medical insurance is commendable, which can guarantee the renewal of insurance and prevent the insured from having insurance problems for a period of time; The guarantee content is very detailed, including proton heavy ion guarantee.
However, this product also has some disadvantages. In terms of deductible, the advantage may be more inclined to avoid risks. However, for risk averse people who don't want to have a great risk of medical expenses loss, it is not so powerful for China and South Korea to set the second deductible limit of E-insurance medical insurance-20,000 yuan.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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