What diseases are not reimbursed by millions of medical insurance?
1, past diseases. Past diseases refer to diseases or abnormal health conditions that have occurred before the insured is insured. General million medical insurance will be clearly stipulated in the contract, and past diseases will not be compensated.
2. Fertility. Millions of medical insurance does not reimburse medical expenses arising from abortion, prenatal examination, ectopic pregnancy and other births.
3. Plastic surgery. Beauty treatments, such as cosmetic surgery and orthodontics, are not included in the million-dollar medical insurance coverage.
4. Illegal crime. Millions of medical insurance does not reimburse the medical expenses incurred by the insured in hospitalization for illegal and criminal acts such as drug abuse during the insurance period.
5. High-risk sports. The insured's diseases caused by high-risk sports are not covered by one million yuan medical insurance, such as rock climbing, skiing and skydiving.
6. Other diseases. Millions of medical insurance does not compensate for some clearly defined diseases, such as occupational diseases and legal infectious diseases (which are special forms and need attention)
Millions of medical insurance, as the name implies, can provide millions of medical insurance for consumers. It is an insurance product that can reimburse medical expenses such as outpatient expenses and hospitalization expenses caused by diseases and accidents. Millions of medical insurance is compensatory insurance. If the insured needs reimbursement, he needs to apply for compensation from the insurance company with credit, invoices and other credentials. It can provide consumers with strong disease protection.
Although the million-dollar medical insurance has a high insurance coverage and great reimbursement efforts, it generally has a deductible of about 1 1,000 yuan, that is, the medical expenses within 1 1,000 yuan are not compensated, that is, the treatment expenses for many minor illnesses cannot be reimbursed by million-dollar medical insurance.
Advantages of millions of medical insurance
1. High leverage-high insurance coverage and low premium.
It can be said that the biggest advantage of millions of medical care is high leverage. Millions of medical care adopts natural rates, and generally with the increase of age, the annual premium paid increases year by year; Long-term critical illness insurance adopts the average rate. Once purchased, the annual premium will remain unchanged.
2. Wide coverage and few reimbursement restrictions-no restrictions on diseases and accidents, no restrictions on social security coverage and no restrictions on treatment.
Millions of medical expenses can reimburse the insured for the necessary and reasonable medical expenses after the waiting period due to accidental injury or illness, generally including general medical insurance and malignant tumor medical insurance, including hospitalization medical expenses, special outpatient medical expenses, outpatient surgical medical expenses, and emergency medical expenses before and after hospitalization.
Social security coverage and treatment are unlimited, which is undoubtedly a powerful supplement to social security. Imported drugs and self-funded drugs can be reimbursed. Especially unlimited treatment methods (including chemotherapy, radiotherapy, tumor immunotherapy, tumor endocrine therapy, tumor targeted therapy, etc.). ).) It is especially helpful for the treatment of serious diseases such as malignant tumors.
Advantages and disadvantages of millions of medical insurance
1. Only medical expenses can be reimbursed after treatment.
Critical illness insurance: you can pay after diagnosis, and the insurance money will be given to you. You can use it for treatment, travel, or leave it with your family.
Millions of medical expenses: first treat, then reimburse, and then reimburse. Only medical expenses are reimbursed and cannot be used for other purposes.
2. Non-guaranteed renewal
The guarantee period of millions of medical care is generally one year, so it needs to be renewed once a year.
Although most of the millions of medical commitments can be extended to 80-90 years old, there is no need to adjust the claim rate and the health status of the insured, but there is still the possibility that the product can not be extended because of the suspension of sales.
Insurance professionals predict that with the improvement of living standards, treatment methods and the influence of various inflation factors, the deductible of 654.38 million yuan in the future may not be enough to exclude the vast majority of minor medical care, and the deductible may increase. However, the high leverage of millions of medical care with low premiums and high insurance coverage will not change, and everyone can rest assured that they will be insured.
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