Seeing that friends are so looking forward to new products, how can school sisters slack off? Recently, Fosun jointly launched premium insurance 202 1 10,000 medical insurance. It is said that the premium of this insurance is very cheap, providing users with 16 kinds of value-added services. Is it really so easy to use and cheap?
Now the senior sister will discuss whether this product is good or not for everyone. Before the evaluation, let's take a look at these pitted medical insurance products. Do you know that you have met them?
Please be careful before these medical insurances!
1. What is the coverage of premium insurance 202 1 10,000 medical insurance? Is it worth buying?
The following focuses on the product evaluation chart of this premium insurance 202 1 10,000 medical insurance:
As we know from the figure, Fosun Premium Insurance 202 1 is aimed at people under the age of 60, which is the same as most mainstream medical insurance in the market. In the insurance profession, 1-4 occupational groups can be accepted for insurance. Generally speaking, the insurance conditions are relatively loose.
Let's take a look at the coverage of this product. The basic guarantee covers general medical care, serious illness medical care, proton heavy ion medical care, cancer special medical care, and also provides 16 value-added services such as medical green link, expert consultation and advance payment of hospitalization deposit.
Moreover, there are many choices in optional responsibilities, including children's vaccination allowance, children's general accidental injury allowance, and children's specific serious illness insurance.
Generally speaking, the overall guarantee of this product is optional, so is it worth our insurance? Let's look directly at its advantages and disadvantages.
1 advantages and superior guarantee 202 1
(1) deductible is optional.
This product is divided into two insurance plans. The general medical out-of-pocket line of scheme 1 is 5000 yuan, and the out-of-pocket line of scheme 2 is 1 000 yuan. It seems that the difference between the two is 5000 yuan.
It seems that 5,000 yuan is not much different, but in fact, according to the relevant data provided by the Statistical Information Center, the per capita hospitalization expenses of secondary public hospitals in 2020 will be 6,707.4 yuan. Once the local medical insurance is reimbursed, the items that need to be paid at their own expense are likely to be less than 5,000 yuan. Therefore, for medical insurance, the deductible is 654.38 million yuan.
At present, the deductible level of most medical insurance products on the market is around 1 10,000 yuan, and the setting of excellent insurance 202 1 can give consumers more choices. The following contents are recommended to friends who don't understand the use of deductible:
What is a deductible? Is the less deductible, the more cost-effective?
(2) Provide more practical optional responsibilities and value-added services.
Superior Insurance 202 1 provides three optional responsibilities for children: children's vaccination accident allowance, children's general accident allowance and children's specific serious illness insurance, which can be said to be more practical.
Two kinds of allowances are 200 yuan a day, 18 kinds of children's special disease insurance money. Scheme 1 is 5000 yuan, and Scheme 2 is 10000 yuan. The three kinds of allowances may not seem to be many, but it should be emphasized that the cost plus them is really low.
A 0-year-old baby only needs to spend more 25 yuan to get the above three kinds of protection. Although there is no strong guarantee, the cost performance is good.
In addition, if you are unfortunately suffering from a serious illness, you can also enjoy 16 kinds of value-added services, which run through the whole process of seeing a doctor, diagnosis, treatment and recuperation. The service content is high-end, the price is low, and lanterns are not hard to find!
Senior, I would like to add here that more value-added services do not mean good. There are still some pitfalls you should stay away from:
Analysis of value-added services in medical insurance is not the more the better!
(3) the premium is cheap
30-year-old male, social security insurance for this product, without optional liability, only needs 195 yuan/year for the first time. Compared with other similar products on the market, this premium is relatively low. You know, under the same insurance conditions, the cost-effective exclusive e-student is 202 1 308 yuan/year.
Although superiority retains these advantages, the following disadvantages cannot be ignored.
Second, what are the shortcomings of Youbao 202 1 10,000 medical insurance, and is it worth buying?
1, renewal is not guaranteed.
Superior insurance 202 1 10,000 medical insurance is a short-term medical insurance with a term of 1 year. It is clearly stated in the clause that the product is not guaranteed to be renewed, that is, the insurer does not agree to renew the warranty or the product is discontinued, and the warranty cannot be renewed next year. In this way, in the long run, security is not stable.
2. Insufficient hospitalization allowance for serious illness.
Hospitalization allowance for serious illness has become the standard of many excellent medical insurance. If the insured is unfortunately diagnosed with a serious illness, the insurance company will pay according to the daily hospitalization allowance agreed in the contract, and the patient needs to rely on the medical record, diagnosis certificate and discharge certificate as proof of claim.
This can greatly alleviate the economic pressure of patients. On the one hand, hospitalization expenses can play a certain subsidy role, on the other hand, because of serious illness, you can not go to work normally, and you can also make up for some income losses.
3. The coverage of outpatient and emergency services before and after hospitalization is small.
In the reimbursement of outpatient and emergency expenses, the reimbursement of premium insurance 202 1 is 7 days before hospitalization and 30 days after hospitalization. It is a long process from initial diagnosis, follow-up, diagnosis to hospitalization, and it is not enough to guarantee only 7 days before hospitalization.
Nowadays, many excellent medical insurance products have been launched on the market, and these expenses can be reimbursed for 30 days before and after hospitalization. This product is not very good compared with Youbao 202 1.
From the above analysis, we can know that Fosun Premium Insurance 202 1 is comprehensive in terms of protection, and the premium is lower than most other similar products on the market. It is a rare product with good quality and low price.
However, there is no guarantee for the renewal of this product, and consumers may face the embarrassment that the product is discontinued or the insurer fails to pass the examination. If you mind, friends can choose products that can guarantee renewal.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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