I believe we all know that millions of medical insurance can be regarded as a hot product in the insurance industry. If you want to make outstanding achievements, you must have strong business ability!
Now Xue Jie will tell you what guarantee this new product has and whether it can occupy the top of the medical market!
First, the contents of Hongchuang Million Care Medical Insurance are revealed!
As this new product, it is difficult for Hongchuang Million Care Medical Insurance to collect its information. After all the clauses were stripped off, Senior Sister made a safeguard map for everyone:
To be honest, after browsing the protection map, there are still a certain number of friends who don't understand whether this product is good or bad. Senior sister won't talk nonsense, she will tell you the advantages and disadvantages of this insurance product directly!
superiority
1, guaranteed to be renewed for 3 years.
Generally speaking, the term of millions of medical insurance is 1 year. If you don't guarantee renewal, you may not be able to renew your insurance due to changes in your physical condition or claims.
However, Hongchuang Million Care Medical Insurance is guaranteed to be renewed for three years, and the conditions for this renewal are still relatively ok; If a person has taken out this insurance, there will be no shortage of medical insurance within 3 years ~
Therefore, this guaranteed renewal product can make everyone feel more at ease!
At present, there are many products with excellent renewal conditions. For example, Ping An Company has designed a medical insurance that can guarantee renewal for 20 years. If you take a fancy to the renewal fee, you are welcome to learn more about it:
Comprehensive analysis of ping an e life long-term medical insurance!
2, enjoy the insurance amount to increase the rights and interests.
After the end of each guarantee renewal period of Hongchuang Million Care Medical Insurance, the insured amount will increase continuously on the basis of the initial insured amount of various medical insurance benefits, and can be changed to 65,438+050% of the initial insured amount at most.
If the insured amount is 4 million, the insured amount will be 400 thousand more after a guarantee renewal period; If you continue to renew your insurance, you can get up to 6 million!
Similar to this method, you can get higher insurance coverage without spending more money, which is very considerate to consumers! Just like giving back to old users, you can get 400 thousand more each time. It is really a great effort!
However, it should be noted that the proton heavy ion medical expenses for malignant tumors are not included, and the annual reimbursement limit has not changed.
disadvantaged
1, the waiting period is tricky.
The insured is not guaranteed during the waiting period, so the shorter the waiting period, the more useful it is to everyone.
There are some problems in the waiting period of Acer Million Care Medical Insurance, so the general medical treatment is 30 days. If this responsibility is not selected, the waiting period will be 90 days!
If we don't have a clear understanding of the content when reading the terms, but only buy compulsory liability, it will be dangerous to wait until we are cheated and regret it!
Not only that, even if you don't choose, there can't be a 90-day waiting period among the options you can choose, so some people will think this condition is a bit unsatisfactory.
What needs to be clear is that many excellent medical insurances on the market only have a waiting period of 30 days. In contrast, Hongchuang Million Care Medical Insurance has been over 60 days!
Therefore, during the waiting period, in order not to let us suffer, it is also important for everyone to learn relevant knowledge:
The insurance company will not pay for the accident during the waiting period? If you don't understand, you will suffer a big loss!
2. General medical insurance is not attached.
Hongchuang Million Care Medical Insurance only provides consumers with a malignant tumor medical insurance premium in terms of compulsory liability. It means that if you want more security, you have to spend more money.
Most of the general medical insurance in the market is compulsory, but Hongchuang Million Care Medical Insurance sets this guarantee as optional, which can be said to be very poor!
Second, we must pay attention to these key points before buying millions of medical insurance!
There are more and more millions of medical insurance products on the market. If you want to choose the right million medical insurance products, you must know these key information as soon as possible!
1, basic guarantee
The medical expenses that can be reimbursed by millions of medical insurance can be roughly divided into four categories: outpatient and emergency expenses before and after hospitalization, outpatient surgery expenses, special outpatient expenses, and hospitalization medical expenses, which is what we often call basic guarantee.
As a qualified million-dollar medical insurance, these four parts of reimbursement responsibility are indispensable.
2, renewal conditions
Because millions of medical insurance only covers one year, the problem of renewal arises.
Medical insurance products that can guarantee renewal need everyone's attention. There are many excellent million medical insurance products that can be guaranteed to be renewed for 20 years. This condition is true, which is very reassuring.
On the contrary, if you buy a product that is not guaranteed to be renewed, you need to re-examine it normally in the later period of guarantee. If the insured's physical condition changes or claims have been made, he cannot continue to apply for insurance.
Therefore, when you buy, remember to choose millions of medical insurance products with good renewal conditions or relatively stable insurance coverage.
3. Value-added services
Under normal circumstances, high-quality million medical insurance will be equipped with value-added services accordingly, and these value-added services are particularly useful and can play a lot of roles when going to see a doctor for treatment.
Your green medical channel, medical expenses advance, proton heavy ion and other value-added services should be configured. The more value-added services, the better, because the more value-added services, the more benefits you can get.
Generally speaking, the cancer protection included in Hong Zhong Hong Chuang Million Care Medical Insurance launched by this insurance company is still relatively comprehensive, and the protection is not so good.
If you want to insure millions of medical products, please read as much as possible, just because you deserve the best products ~
Ten million medical insurance rankings are freshly released!
Write it at the end
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