Mrs. Kim's life is a serious illness insurance, so it is very necessary to match a medical insurance to protect serious illness and general medical care at the same time. Jin Fu said before his death that critical illness insurance is not cost-effective, the premium is expensive and the budget is limited, so it is not recommended to buy it. As for enjoying a million dollars, let me introduce it in detail!
The Pacific Ocean's exclusive millions can be bought for only a few hundred dollars, which can provide us with millions of guarantees. Generally speaking, only one steamed stuffed bun is enough every day, and the overall cost performance is high, which is liked by many people.
However, some people love this product and some people doubt it. Enjoy millions of online reviews. I have sorted out online comments before. If you are interested, please have a look at this article.
Where has this insurance product caused people's controversy? Let's take a look at the content of enjoying a million guarantees:
Comprehensive protection is the biggest advantage of this insurance product, covering general hospitalization, special illness hospitalization and serious illness hospitalization, as well as intensive care allowance and proton heavy ion protection. In addition, the hospitalization insurance for special diseases can be doubled to 2 million, and the hospitalization insurance for serious diseases can be doubled to 4 million.
This looks good, so what are the reasons why some people don't like it?
As long as these shortcomings are too frustrating:
1. The renewal conditions are harsh: if you want to renew your insurance, you need to apply in advance and wait for approval. In the case of existing claims records or poor health, the application for renewal of insurance is likely to be rejected;
There are restrictions on insurance for the elderly: it seems that all 65-year-olds can be insured. In fact, after reaching the age of 60, you must take a Class C physical examination and be insured through manual underwriting;
3. There are restrictions on proton heavy ion medical institutions: the choice of proton heavy ion hospital is only in Shanghai, and many popular millions of medical insurance in the market do not have such restrictions;
4. Value-added services do not directly pay for purchased drugs.
It's really frustrating! If you plan to buy millions of medical insurance, it is still recommended to make more comparisons, because there are not a few millions of medical insurance that have done well in various aspects such as protection and renewal.
In order to have a more in-depth and objective comparison of products, I made a comparison of millions of medical insurance. If necessary, please refer to >> What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020