Whether the million-dollar medical insurance is good or not depends first on the product renewal conditions, which is related to the subsequent insurance protection. Products with good renewal conditions can provide continuous protection. If the product renewal conditions are poor, there will be not only the risk of stopping selling, but also the risk that the insured company will refuse to renew the insurance. Take the experience of enjoying worry-free millions of medical care for 20 years as an example:
The insurance period of this product is 1 year, which can be renewed for 20 years. During the insurance renewal period, there is no need to worry that the insurance company will refuse to renew the insurance because of its own health problems or historical claims. Even if the product is discontinued, it will not affect the right to guarantee renewal. The maximum renewal can reach 65,438+000 years old, and its renewal conditions are friendly. However, it should be noted that after the warranty period expires, the product is not guaranteed to be renewed. If the product has been discontinued, it cannot be renewed. Nevertheless, Xi Cai Jun thinks that the product is still excellent in terms of updating conditions. At present, there are many millions of medical insurance in the insurance market that can guarantee 20-year renewal, but none of them can guarantee 20-year follow-up insurance.
If a product has no major defects, then we should pay attention to the product series, such as waiting period, value-added services, insurance requirements, insurance liability and so on. Take doctors' worry-free medical care for 20 years as an example:
Coverage: The coverage of this product is comprehensive, but it should be noted that the general medical insurance of this product does not include the protection of special outpatient medical expenses, and there is a cumulative compensation limit of 8 million.
Waiting period: The waiting period of most millions of medical insurance in the market is generally 30 days or 60 days, while the waiting period of this product is 90 days.
Generally speaking, the price of buying millions of medical insurance at this time is probably more than 1000 yuan, and the specific price depends on the details of the policy we buy.
Because every insurance company, every product, its price is different, some products are lower, some products are more expensive, and the most important thing is to choose the one that is cost-effective and suitable for you.