1. What is the deductible? Just when we were talking about millions of medical insurance, the word "deductible" appeared. Maybe some friends don't know what it is.
In fact, it is easy to understand, because the rates of medical insurance are relatively low, and a certain threshold is generally set. Insurance companies are not charitable organizations and will set a certain deductible.
For example, the deductible of outpatient medical insurance often ranges from 50 100200, and the deductible of million medical insurance usually ranges from 10000 yuan.
As the name implies, the deductible refers to the part of the insurance company that is exempted from payment. Only when the deductible is exceeded will the insurance company pay.
1. Why should we set a deductible? In fact, dad said before that insurance companies need to set some thresholds in order to control the claim rate. Deductible is set to raise the threshold of claims and ensure the stability of products.
If there is no deductible, once the insured is out of danger, even if it is only 100 yuan, the medical expenses will be reimbursed, and the insurance company still needs to spend manpower and material resources to investigate and review the insurance events, and the cost is relatively high.
If the claim rate is too high, this product is likely to be removed from the shelf, and a deductible is set to minimize small claims and ensure product stability.
Of course, in order to ensure the continuous sales of millions of medical insurance, in addition to the setting of deductible, we will also set a threshold in the link of health notification, so that as many healthy people as possible can apply for insurance. Reduce the number of people insured against diseases.
The insured wants zero deductible, and the insurance company needs to ensure the stability of the product and reduce the claim rate. Of course, not all companies will set deductibles for millions of medical insurance.
2. What are the forms of zero deductible million medical insurance? One * * shows six million medical insurance products, five of which are zero deductibles. It can also be seen from the premium calculation that the rates of these products are generally higher.
We are generally exposed to products with deductible. Generally, we have 300-400 yuan insurance at the age of 30, but we see products with zero deductible. At the age of 30, we need 560 yuan as a minimum.
1, Pursuing high insurance coverage for general hospitalization: carefree zero deductible version
2. Pursuit of proton heavy ion protection: Enjoy E-life, enjoy 20 19 packages for a lifetime, and enjoy E-life 2020.
3. Pursuing hospitalization allowance for serious illness: enjoy E-students.
4, the pursuit of relaxed renewal conditions: easy and worry-free zero-loss version
Dad concluded: in fact, when choosing a medical insurance, we should not only pay attention to whether it is zero deductible, but also pay attention to its protection content. The more comprehensive the protection, the better for the insured. Of course, in order to obtain comprehensive protection, in addition to millions of medical insurance, we must gradually allocate reasonable critical illness insurance, life insurance and accident insurance. Here is a product with high cost performance and zero deductible for reference: "How about Zhongan Enjoy Electronic Health 0 Deductible Edition?" Is it worth buying? 》