The big company effect, plus a lot of aura, many people are very excited about this product. Don't talk too much about the advantages of China Ping An Life Insurance Company of China Insurance Company. If you want to know more, you can read this article:
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?
202 1 ping an I worry-free medical insurance covers a wide range of contents. Let's have a look.
202 1 ping an I worry-free medical insurance is an upgraded version of ping an I worry-free medical insurance. Anti-cancer medical insurance mainly reimburses the cost of diagnosis and treatment of malignant tumor and carcinoma in situ. Next, let me introduce the advantages of 202 1 Ping An I Worry-Free Medical Insurance:
1, with a wide age range.
In fact, many medical insurances impose strict age restrictions on the insured, and it is almost impossible to buy suitable medical insurance over 60 years old.
However, the age limit of 202 1 Ping An I Worry-Free Medical Insurance is relatively small. Even at the age of 70, you can buy this insurance. This is still very friendly to the elderly.
2. The insurance threshold is low.
202 1 ping an I worry-free medical insurance not only has the advantages of the old version I worry-free, but also its underwriting conditions are relatively loose, and the "three high" people are also within the scope of protection.
Many people around us suffer from hypertension, hyperglycemia, hyperlipidemia and "three highs". The terrible complications caused by it are difficult to treat, which is why people are afraid of "three highs". Therefore, most of the "three highs" people are the objects that insurance companies refuse to insure because of risk concerns.
Undoubtedly, many people think that it is a good choice to insure 202 1 Ping An I Worry-Free Medical Care. 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.
There is a saying that 202 1 Ping An My Worry-Free Medical Insurance is an upgraded product, but compared with the old version, the upgraded version is not perfect in terms of protection.
The original defects still exist:
1, the renewal fee is unstable.
202 1 the most obvious disadvantage of Ping An's worry-free medical insurance is that the renewal is unstable and not guaranteed. Guaranteed renewal is a promise made by insurance companies to customers. No matter how the health status changes or the products stop selling, it will not affect the insurance company to fulfill its insurance responsibilities, nor will it refuse to renew the insurance or adjust the premium separately because of the change of the insured's health status.
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 people with "three highs" to apply for insurance, but also promises to guarantee 6-year renewal.
For some elderly friends who are difficult to buy suitable health insurance, Sunshine Shennong 6-year cancer medical insurance, a product that can guarantee renewal, is perfect.
2. The deductible is high.
202 1 ping an I worry-free medical insurance it has three deductible plans with a maximum deductible of 30,000 yuan. What do you mean by deductible? It means that the insurance company doesn't have to pay compensation.
That is to say, suppose the insured is hospitalized for cancer and pays 654.38+10,000 yuan for the first medical treatment. After deducting a certain percentage from the medical insurance, the insured needs to pay a deductible of 30,000 yuan for the additional medical expenses before taking the reimbursement process of 202 1 Ping An I Worry-Free Medical Insurance.
Here is an introduction about free compensation. If you don't know, please read:
So what does the deductible mean? Does a small deductible mean a good product?
30 thousand yuan is hard for cancer families to come up with. It is precisely because of this that the senior sister has a bad impression on 202 1 Ping An I have no worries about medical insurance.
3, there is no proton heavy ion guarantee
Proton heavy ion protection is the most effective way of cancer diagnosis and treatment, so it is difficult to make an appointment and the medical expenses are very expensive.
At present, some anti-cancer medical insurance has proton heavy ion protection, which can greatly reduce the pressure on cancer families to seek medical treatment, just like the lifelong anti-cancer insurance in Cai Jing, and proton heavy ion protection is just out of the design scope of 202 1 Ping An I Worry-Free Medical Insurance.
From this point of view, it is a bit bad about 202 1 Ping An I have no worries about medical insurance.
Second, is 202 1 ping an I worry-free medical insurance worth buying?
In a word, the best thing about 202 1 Ping An I Worry-Free Medical Insurance is that the insurance threshold is not high, and the "three highs" group occupies a favorable position in the underwriting rules. People with "three highs" can consider it.
Regarding the renewal of insurance, 202 1 Ping An I have no worries about medical insurance, so we should pay more attention to this. If it needs long-term protection, it is recommended to pay more attention to this product before buying.
Because at the same level, we deserve better products. How to buy cancer insurance? This is a shopping guide. Take a quick look:
Which cancer prevention should I choose? Explain all aspects!
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