The "inclusive" supplementary medical insurance introduced by local governments and insurance companies, such as "Changsha Star Bao Hui", "Hangzhou Citizen Insurance" and "Chengdu Ronghuibao", do not require to inform their health status, but only need to participate in basic medical insurance locally.
What's the difference between million medical insurance and critical illness insurance?
There are essential differences between critical illness insurance and million medical insurance, which are essentially different insurance contents, different payment conditions and different guarantee time.
1, the insurance content is different: compared with millions of medical insurance, the payment requirements of critical illness insurance are much higher. Critical illness insurance can cover hundreds of diseases, including all kinds of serious diseases and mild diseases. If you have a serious illness, the insurance will compensate hundreds of thousands, but the conditions are very harsh. Only when the insured needs to diagnose a certain disease agreed in the insurance contract, meet the agreed conditions and carry out specific treatment and surgery, the insurance company will pay in accordance with the amount agreed in the contract. Critical illness insurance generally has no deductible.
2. Different payment conditions: critical illness insurance is a payment type, and once a major illness occurs, it can be paid; Millions of medical insurance is compensatory and can reimburse medical expenses.
3, the insurance period is different: the insurance period of critical illness insurance is very long, some are one year, some are lifelong; The guarantee period of millions of medical insurance is generally one year, and the longest one can reach twenty years.