In short, let's take a look at the product form diagram of regular medical insurance for nearly a hundred years:
Centennial medical insurance Term medical insurance clearly stipulates the insurance liability. Let's take a closer look at what's special about this regular medical insurance:
& gt& gt& gt Centennial Medical Insurance Regular medical insurance will be renewed for 6 years!
Centennial medical insurance Regular medical insurance is a regular medical insurance that can guarantee your renewal for 6 years!
As we all know, the underwriting requirements of millions of medical insurance are very strict, especially for middle-aged and elderly people or people with past diseases. If there are any sudden physical problems, it will have an impact on continuing to insure next year. In addition, if the product is discontinued, everyone can't continue to insure.
Therefore, senior sister thinks that when buying millions of medical insurance, she should try to choose products with "guarantee renewal". The competitive advantage of most products that guarantee renewal is that they can guarantee renewal, guarantee the same rate and guarantee the same terms.
If consumers buy this century-old medical insurance, they can "renew the insurance for six years" because of the insured's physical condition, product suspension, claims and so on. , which can guarantee the smooth renewal of the insured within six years. In addition, during the six-year guarantee renewal period, the insured need not worry about the premium increase.
In view of the renewal conditions, we can take into account the well-done centennial medical insurance and regular medical insurance!
Of course, there are many millions of medical insurance with good renewal conditions on the market. For example, it is a good choice for Fosun to jointly surpass Insurance 2020 and guarantee 6-year renewal.
Interested friends can learn about:
Beyond the comprehensive upgrade promised by Bao 2020, my expectations are shattered!
& gt& gt& gt Centennial Medical Insurance Term Medical Insurance provides serious illness exemption.
According to the regulations, the exemption of serious illness in the term medical insurance of 100% medical insurance means that the insured is found to have 1 or above serious illness for the first time and belongs to the scope of claims, and the later premium can be exempted, and the protection is still effective.
The 100-year regular medical insurance has set up the exemption of critical illness premium, which can alleviate the economic pressure to some extent. This is for the insured, and it is very friendly to those who are unfortunately suffering from serious illness.
The advantages are well known. Let's take a look at the drawbacks of the 100-year medical insurance regular medical insurance:
& gt>100 medical insurance Term medical insurance has strict insurance conditions.
After analyzing 100 regular medical insurance, I suddenly realized that this million-dollar medical insurance is very strict in terms of insurance conditions: only medical insurance 1 occupational insurance is allowed!
Medical insurance is not as strict as critical illness insurance and accident insurance. At present, most occupational groups with medical insurance 1-4 can buy with confidence, just like JD.COM Allianz Cherish Unlimited 202 1 medical insurance.
About the basic situation of this product, you can read this article first to understand:
JD.COM Allianz's "True Love Unlimited 202 1 Edition" actually hides such tricks!
According to the regulations, not everyone can apply for 100-year medical insurance, but only 1 professional people are provided with insurance links. This insurance threshold is not loose, and many people are turned away.
Summary: Centennial medical insurance Regular medical insurance gives consumers a clear insurance responsibility, which generally includes general medical care and critical illness medical care. It is more suitable for friends who value 6-year long-term protection and care about serious illness exemption.
Of course, if you care about comprehensive protection and want to have cost-effective products, you can also pay more attention to other millions of medical insurance in the market.
Interested friends can take a look at this article:
Super full! China Volkswagen Million Medical Insurance Comparison Table
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