Take "medical insurance" plan B as an example. If a customer buys 30 WMRB with a basic insurance coverage of 300,000 yuan, he can get death and total disability insurance benefits consisting of the basic insurance coverage plus the increase of policy bonus before the age of 65. At the same time, he can enjoy the health check-up expenses equivalent to 65,438+0% of the basic insurance coverage every three years during the payment period, and the policy bonus is all used to buy the increased insurance coverage to resist the rising medical expenses. After the age of 65, the "medical shopkeeper" will play a super supplementary role in medical expenses: all kinds of medical expenses, including hospitalization expenses (ward expenses, operation expenses, medical expenses, ambulance expenses, etc. ), emergency medical expenses, hospitalization allowance, health check-up expenses, etc. , can be swept away by the "medical treasurer", and the reimbursement ratio can rise from 85% to 65438+.
At present, there are few medical insurance products covering life in the life insurance market. Compared with some similar products, the "medical shopkeeper" has cancelled many reimbursement restrictions and has the function of dividend distribution. The reimbursement rate of medical expenses after the age of 65 is also the highest in the market at present-for customers with medical insurance, cooperative medical care, other medical insurance or welfare plans, the "medical shopkeeper" provides 100% reimbursement except the compensated part.