1, Ping An Health Insurance is a bit broad, including critical illness insurance, medical insurance, special insurance such as cancer insurance, special drug insurance and overseas medical insurance. At present, the millions of medical insurance of Ping An Health Insurance E Life Insurance Series is not bad, because it belongs to millions of medical insurance, and the premium is lower than other types of insurance. The premium of millions of medical insurance varies according to different ages, with a premium level every five years. From 0 to 60 years old, the premium changes in a U-shape. For example, 15-20 years old has the lowest premium, and it will probably be within 300 yuan after one year. 56-60 years old, about 2600 yuan a year. So different ages have different premiums.
2. Medical insurance can be divided into millions of medical insurance, mid-range medical insurance, high-end medical insurance and special insurance according to the scope of medical treatment.
Millions of medical care, low premium, the amount of insurance is usually more than 654.38+0 million. Medical institutions are comprehensive departments of public hospitals in Chinese mainland, and five outpatient departments are in charge, which are generally the deductible line of 654.38+0 million. Some products are relative deductibles, some are absolute deductibles, and the products with relative deductibles claim more. If physical conditions permit, priority can be given to millions of medical insurance with relative deductible above Ping An E life insurance series.
Secondary medical care usually includes outpatient responsibility. The scope of hospital selection is the comprehensive department, special needs department and international department of public hospitals in Chinese mainland. No deductible for hospitalization. Compared with millions of medical care, it is easier to use and can solve the daily medical expenses. For example, the outpatient or hospitalization expenses of children with cold, fever, gastroenteritis and pneumonia can be reimbursed. Because there is no deductible, medical expenses can be reimbursed regardless. If you have children at home, mid-range medical care is one of the necessary types of insurance.
3, terminal medical care, high-end medical care is usually not limited to the scope of hospitals, public hospitals, private hospitals, expensive hospitals, hospitals can include the whole world, except the United States and Canada. Having high-end medical care is equivalent to having the world's top medical resources and enjoying the world's most advanced medical technology and medicines. If you need to go abroad for treatment, the insurance company will arrange medical treatment and translate medical records throughout the process, so that the insured can complete the medical treatment without worrying about it. If you want to see a doctor in China, you can go directly to the special needs department or the international department of the hospital, and you can usually make an appointment by phone in advance without waiting in line. After the medical treatment, the insured person directly signs off, and the insurance company directly settles with the hospital, without the insured person collecting medical records or invoice list for reimbursement.
4, special medical care, such as maternity insurance, cancer insurance, dental insurance, etc. Except for some high-end medical care, most general medical insurance does not include the dental liability of reproductive responsibility. Maternity insurance is specifically aimed at medical examination and production costs during pregnancy and childbirth, complications during childbirth, and exclusive protection for newborns to seek medical treatment. Cancer insurance is mainly aimed at people who are older or unable to take out general medical insurance.
Medical insurance usually requires higher health. Some high-end medical care can cover past diseases, while millions of medical care and mid-range medical care usually make exceptions for some past diseases. Therefore, after you are in good health, try to insure as soon as possible.