Today, Senior Sister will bring you a critical illness insurance assessment, which is also a critical illness insurance with the highest frequency of private messages-ironclad Bao Xiao Children's Long-term Million Medical Insurance.
If friends don't have enough time, you can collect this article first and read it later. Senior sister can guarantee that the articles are all dry goods:
Watch out! These tricks are hidden in the long-term million-dollar medical insurance for armored children. ..
1. What are the advantages and disadvantages of long-term millions of medical insurance for armored children?
As usual, not much to say, just look at the picture:
I don't know if you know this product after reading this product map. Next, my senior sister will make an in-depth interpretation of this:
Advantages:
1. Friendly update conditions
The ironclad Bao Xiao Children's Long-term Million Medical Insurance promises to be renewed to 17 years old.
What does it mean to guarantee the update? That is to say, whether this product is on sale or not, it can be renewed. Every guarantee contained in the insurance contract signed by the insurance company and the insured will remain valid and can be fulfilled before the insurance expires or the guarantee renewal expires.
Senior sister reminds everyone here that renewal of insurance also requires means ~ do you want to master it? Poke this article to understand:
How to renew medical insurance and what should I pay attention to? An analysis!
2. Children's special disease protection
15 special diseases for children included in children's long-term medical insurance cover leukemia, Wright syndrome, severe Kawasaki disease and severe hand, foot and mouth disease.
This is equivalent to putting a lock on the protection of the baby. Really full of sincerity!
3. Outpatient and emergency treatment before and after hospitalization
At present, most of the millions of medical insurance on the market are 30 days after the first 7 days, or even 7 days after the first 7 days.
And the long-term million-dollar medical insurance for armored children has reached the level of 30 days after the first 30 days, which makes the insured a lot easier, because sometimes there will be insufficient beds in hospitals, which is not what you want.
During the insurance period, the insured is hospitalized after the waiting period due to an accident or illness. For this kind of hospitalization, the insurance company can only reimburse the reasonable and necessary medical expenses incurred in the emergency for 30 days after the first 30 days.
4. Value-added services are intimate
Long-term million-dollar medical insurance for children in Bao Xiao includes online outpatient service, serious illness outpatient appointment, hospitalization assistance and domestic follow-up, advance payment for treatment of serious illness and children's special diseases, MDT multi-disciplinary consultation and other value-added services.
It can not only solve the problem of "difficult to see a doctor" efficiently and quickly, but also protect the physical and mental health of the insured person more comprehensively, so that the security system can serve the baby and be more perfect.
Is the more value-added services, the better? How much do you know about hidden rules? Click on this article to find out.
What is value-added service? The more the better?
disadvantaged
1. Long waiting period
Under normal circumstances, the guarantee period of million medical insurance will not exceed one year, and the information will be re-examined after one year of subsequent insurance, so the waiting period of many products is very short, only one month.
However, the waiting time for real insurance is 90 days, which is a bit long.
If the child has an accident while waiting, the insurance company will not be responsible for the claim, and all medical expenses will be borne by itself.
Second, the senior sister suggested
Generally speaking, the children's long-term million-dollar medical insurance with real armor and small insurance is still very good, and it is a good choice to buy products that will not regret.
The medical expenses for diagnosis and treatment of major diseases are huge, which families with little money can't afford at all, but millions of medical insurance will give you millions of insurance coverage, which can basically reimburse most of the medical expenses for serious diseases.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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