The following seniors will make a detailed evaluation of e Kangyue Million Medical Insurance 202 1. Don't miss this evaluation ~
Before starting the text, senior sister will give you a free gift: please see the list of thousands of medical insurance!
1.E What is the coverage of China Life Insurance such as Kangyue Million Medical Insurance 202 1? What are the highlights?
In order to facilitate your understanding, the following will show a detailed picture of the product warranty prepared by senior sister:
Then, in the view of senior sister, the disadvantages of E Kangyue Million Medical Insurance 202 1 outweigh the advantages. It is not easy to pick out his good points.
The waiting period is 30 days, which is a highlight of e Kangyue Million Medical Insurance 202 1. Everyone should know that the insurance company will not pay during the waiting period. If the waiting period is extended, you need to wait more time for insurance claims.
Generally speaking, it is more appropriate to set a one-month waiting period for millions of medical insurance. If there is a waiting period of more than 30 days, it is necessary to carefully weigh whether the guarantee content of the product is worth waiting for such a long time.
Although the waiting period is a small place, if you don't pay attention when buying insurance, you may not get a claim: the risk insurance company in the waiting period will not pay?
For example, e Kangyue Million Medical Insurance 202 1 does not limit reimbursement within social security, which is another highlight of it. If the expenses meet the insurance terms and are necessary, they can be reimbursed. Compared with those millions of medical insurance in social security that only reimburse drugs, the scope of reimbursement is still quite large.
After talking about the characteristics of e Kangyue Million Medical Insurance 202 1, the key point comes. I'll tell you what its shortcomings are. It is possible that you will lose confidence in this insurance product.
Second, after reading these points, I can only say that e Kangyue Million Medical Insurance 202 1 is a long story!
For example, the shortcomings of E Kangyue Million Medical Insurance 202 1 mainly include the following aspects:
1, renewal is not guaranteed.
As far as the guarantee period is concerned, the million medical insurance is generally 1 year. It doesn't matter if you buy 1 time a year, it would be a pity if you had a serious illness before. In this case, I can hardly buy millions of medical insurance.
In order to ensure the importance of renewal, it is necessary to ensure renewal. With its existence, no matter whether you get the disease compensation or not, this product will eventually be taken off the shelf, and the insurance company will continue to protect you during this period.
If we don't renew China Life Insurance such as E-Conway Million Medical Insurance 202 1, it means that our protection may be gone. This is a little unfriendly.
2. Insufficient protection.
For example, e Kangyue Million Medical Insurance 202 1 only includes hospitalization allowance for malignant tumor, and there is no proton heavy ion protection, but the latter is actually more useful. Because proton heavy ions can treat malignant tumors well, but many people can't afford the high cost. If it can be reimbursed, it will also reduce a lot of burden for the insured.
Nowadays, proton heavy ion service is included in the scope of millions of medical insurance reimbursement. For example, you can learn about Ping An E Life Insurance and JD.COM Allianz Love Unlimited. However, e-Kangyue Million Medical Insurance 202 1 can only provide a hospitalization allowance for customers, and cannot provide strong cancer protection for the insured!
Because of the limited space, Senior Sister will not continue to explain e- Kangyue Million Medical Insurance 202 1. I wonder if you are interested in learning more about this topic. If yes, read this article: China Life Insurance "e- Kangyue Medical Insurance 202 1" is on sale. Be careful of these three defects!
Summary: China Life's e- Conway Million Medical Insurance is 202 1. Seriously, this price/performance ratio is not good. If you want to buy China Life Insurance such as e Kangyue Million Medical 202 1, you can choose other products with better cost performance ~
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