There are not a few people who like products with big company effect and many auras. The strength of China Ping An Life Insurance Company of China Insurance Company is noncommittal. You can deepen your understanding through this article, but I won't go into details:
How about China Ping An Life Insurance Company of China Insurance Company? What product? What pit routines are there?
Let's focus on, how about 202 1 Ping An I have no worries about medical insurance, and whether it is worth starting with.
1.202 1 What are the advantages and disadvantages of safe and worry-free medical insurance?
Let's take a look at what is covered by 202 1 Ping An My Worry-Free Medical Insurance.
202 1 Ping An I Worry-free Medical Insurance is an upgraded version of Ping An I Worry-free Medical Insurance, which mainly includes in-situ diagnosis cost insurance and treatment insurance for malignant tumors and cancers. The protection is relatively simple, so what are the advantages of 202 1 Ping An I Worry-Free Medical Insurance?
1, with a wide age range.
At present, many medical insurances have strict age restrictions on the insured. For people over 60 years old, it has become a difficult problem to buy appropriate medical insurance.
However, the age limit of 202 1 Ping An Worry-Free Medical Insurance is very small, even for the 70-year-old, it is ok to apply for insurance, and this insurance is undoubtedly a gospel.
2. The insurance threshold is low.
202 1 ping an I worry-free medical insurance has relatively loose underwriting conditions, which continues the advantages of the old version I worry-free, and even people with "three highs" can apply for insurance.
The "three highs" in medicine include hypertension, hyperglycemia and hyperlipidemia, which are common diseases in medicine. The terrible thing about "three highs" is that it usually leads to more serious complications. Insurance companies will consider risks when underwriting, and the three high-risk groups are generally the objects they refuse to insure.
Seeing this, most people think that the 202 1 safe and worry-free medical insurance is quite guaranteed. But I still suggest that you pay more attention to it, and first understand the problem of 202 1 Ping An I have no worries about medical insurance before making a decision.
In fact, although this 202 1 Ping An I have no worries medical insurance has been upgraded, there is no obvious difference in protection from the old version.
The original defects still exist:
1, the renewal fee is unstable.
202 1 Ping An My Worry-Free Medical Insurance's most prominent shortcoming is that the renewal is unstable and cannot be guaranteed. Guaranteed renewal is a contract signed by insurance companies and consumers. As long as the policy has not expired, the product suspension and historical illness claims will not affect the renewal of the insurance.
Most excellent anti-cancer medical insurance on the market can guarantee renewal. For example, Sunshine Shennong's 6-year cancer medical insurance not only allows the "three highs" people to be insured, but also provides a 6-year guarantee renewal service.
It is difficult for the elderly to buy health insurance. For such people in need, Sunshine Shennong's 6-year cancer medical insurance, a product that can guarantee renewal, is so satisfying.
2. The deductible is high.
202 1 ping an I worry-free medical insurance deductible plan has three categories for us to choose from, and its maximum deductible is 30,000. Deductible, as the name implies, is deductible. Refers to the amount that the loss agreed by the insurer and the insured in advance is within the specified amount, and the insured shall bear the loss himself, and the insurer is not responsible for compensation.
That is to say, if the insured is hospitalized for cancer, the first treatment cost is 6.5438+10,000 yuan, and after a certain proportion of the money is reimbursed by medical insurance, the remaining medical expenses need to be reimbursed by the insured himself with a deductible of 30,000 yuan, and then reimbursed by 202 1 Ping An I Worry-Free Medical Insurance.
Here is an introduction about free compensation. If you don't know, please read:
How much is the deductible? The less deductible, the better?
30,000 yuan is difficult for cancer families to take out, which makes me recommend this 202 1 safe and worry-free medical insurance.
3, there is no proton heavy ion guarantee
Proton heavy ion protection is the most effective method to diagnose and treat cancer, but it is difficult to make an appointment and the medical expenses are not low.
Some existing anti-cancer medical insurance has proton heavy ion protection, which can greatly reduce the pressure on cancer families to seek medical treatment, just like Cai Jing's lifelong anti-cancer insurance, and this protection is just not available in 202 1 Ping An I Worry-Free Medical Insurance.
In this way, the shortcomings of 202 1 safe and worry-free medical insurance are obvious.
Second, is 202 1 ping an I worry-free medical insurance worth buying?
From all aspects, for 202 1 Ping An I worry-free medical insurance, its attraction lies in the threshold of insurance, which is not very strict, and the "three highs" group still has the upper hand under the underwriting rules, so it is suitable for the "three highs" group.
Regarding the renewal of insurance, 202 1 Ping An I'm not covered by worry-free medical insurance, so we should pay more attention to this. If you want long-term protection, it is recommended to use this product with caution.
After all, under the same conditions, we can have higher and better product configuration. How to buy cancer insurance? This is a shopping guide. Take a quick look:
What is the use of buying cancer insurance and how to buy it? Here gives you a deep understanding.
Write it at the end
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