Today, Senior Sister made a professional evaluation of E Kangyue. Don't miss this evaluation, I will let you know more about this product!
Before the text begins, there is a free gift for senior sister: who is the top 10 million medical insurance has been announced!
1.E What is the coverage of China Life Insurance such as Kangyue Million Medical Insurance? Any highlights?
Let's take a look at the product protection map first:
What Senior Sister wants to say is that it is ok to describe E Kangyue Million Medical Insurance with "disadvantages outweigh benefits". In fact, this is nothing to be praised.
The waiting period of 30 days is a highlight of e Kangyue Million Medical Insurance. Everyone should know that insurance companies generally refuse to make corresponding compensation for accidents during the waiting period, which means that the longer the waiting period, the later we will be guaranteed.
Under normal circumstances, the waiting period for millions of medical insurance is 30 days. If there is a waiting period of more than 30 days, we should carefully consider whether this guarantee content is worth waiting for so long.
Although the waiting period is not particularly important, if you don't pay attention, you may not get a claim: the insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss!
There is no limit to reimbursement within social security, which is another highlight of e Kangyue Million Medical Insurance. The insurance company will reimburse the required expenses as long as they meet the requirements. It is much better to compare the medical insurance that only provides drug reimbursement in social security, such as e Kangyue.
Second, after reading these points, I can only say that e Kangyue is a long story!
1, renewal is not guaranteed.
Millions of medical insurance usually provides 1 year protection. It is not a big deal to buy one million medical insurance once a year if the health information is relaxed, but it is a pity that it is impossible to buy one million medical insurance again if you have been seriously ill before.
Therefore, it is very important to guarantee renewal. With it, whether you get compensation due to illness or not, or the product is discontinued, you can still get the protection of the insurance company during the protection period.
If China Life Insurance, such as E Kangyue Million Medical Insurance, does not guarantee renewal, then our protection may be gone.
2. Insufficient protection.
The total coverage of China Life Insurance such as e Kangyue Million Medical Insurance only reached 4.05 million. To tell the truth, this is not high. Some well-known million medical insurance products, such as e Kangyue's, have a premium of only a few dollars, but the insured amount exceeds 8 million. As soon as the comparison is made, the gap in cost performance is reflected.
In addition, e-Kangyue Million Medical Insurance, for example, only provides some allowance protection for hospitalization of malignant tumors, and there is no proton heavy ion protection, but the latter is more valuable. Because proton heavy ions can treat malignant tumors well, but the cost of treatment is beyond many people's affordability. If this expense can be reimbursed, the burden of the insured can be reduced a lot.
Many millions of medical insurance now include proton heavy ion services, such as Ping An E Life Insurance, JD.COM Allianz Cherish Unlimited and other products. However, for example, e Kangyue Million Medical Insurance does not provide the insured with reimbursement for this expense, only hospitalization allowance can not meet the needs of the insured during the treatment of cancer!
The length of this article is limited. If e Kang Yue is too specific to describe senior, I won't say much. If you have any plans for further understanding, you can read this article: e Kangyue Medical Insurance 202 1, be careful of these three shortcomings!
Senior sister concluded: For example, e-Conway is a million medical insurance, which was launched by China Renshou, but to be honest, the cost performance is not very high. Friends who want to buy millions of medical insurance can look at other products.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!