Many customers are struggling with this kind of insurance. Today, Senior Sister will talk to you about China-Korea Good E-insurance medical insurance just launched by China-Korea Life Insurance. Why do you love and hate? Why did the journalists only get insurance money from 50 yuan and 500 yuan?
Also, please pay attention to the distinction! There is a difference between this good electronic insurance and good medical insurance. Friends who want to know about medical insurance can poke this evaluation:
"Good medical insurance, long-term medical insurance for 20 years" has these unknown secrets!
First of all, I want to take you to know the product protection map of China-Korea Good E-insurance medical insurance, and then start the formal evaluation to have a general understanding of this product:
According to this product protection map, we can know that the protection content of China-Korea good e-insurance medical insurance is more comprehensive in medical insurance products. General medical insurance premium is included in its insurance liability, and medical insurance premium for major diseases is also included in its insurance liability, and each insurance liability covers four protection contents: hospitalization medical expenses, special outpatient medical expenses, outpatient surgical medical expenses and outpatient emergency before and after hospitalization.
After reading the above contents, it seems that I only feel that there are many e-insurance medical insurance coverage in China and South Korea, and I don't know what advantages they have. What are the disadvantages? The following is a detailed summary for everyone.
Advantages of good electronic insurance in China and South Korea;
1, guarantee renewal
The guaranteed renewal medical insurance is mostly one-year short-term health insurance. Once the insurance period expires, the insured should apply to the insurance company for renewal, and the insurance company can continue to enjoy the protection after approval. If the insured's physical fitness has declined in the past year, the insurance company will not agree to the insured's application for renewal in minutes. In addition, if the products stop selling at the expiration of the one-year insurance period, we have to find other products to insure from scratch.
It can be seen that one of the reasons why consumers resist the million-dollar medical insurance must be renewal.
The excellence of China-Korea good E-insurance medical insurance lies in that it gives the insured a six-year guarantee renewal period.
So what is the guarantee renewal? To put it simply, if China-Korea Good E-Insurance Medical Insurance is really successfully insured by us, then within 6 years after the insurance, no matter whether China-Korea Good E-Insurance Medical Insurance is still on the market or not, no matter what changes have taken place in the insured's physical condition during this period, or even whether he has applied for insurance claims. Don't worry that the insurance company won't agree to renew your insurance, which can't be used as a shield for refusing insurance.
Therefore, in the follow-up guarantee, it is more reassuring to choose a good e-insurance medical insurance in China and South Korea.
2. There are many options for deductible.
The reason why millions of medical insurance now makes consumers feel good and not so good is because most of them have "deductibles".
What is a deductible? Deductible is the amount of insurance money set by the insurance company, within which the insurance company does not need to pay. The deductible of insurance is in direct proportion to the risk you take. The higher the deductible, the higher the risk you have to take and the lower the insured amount.
China-Korea Good E-Insurance Medical Insurance has set two levels of deductibles, and the insured can choose according to their own preferences: scheme 1: deductible 10000, and scheme 2: deductible 20000.
This is a great advantage for consumers who are afraid of the risk of serious illness, but have some liquidity, can bear 20 thousand to 30 thousand medical expenses, and have some hope for consumers who do not have the risk of serious illness.
In this respect, people are worried about whether there will be risks. On the other hand, people will worry that if nothing happens, the insured money will be wasted. Friends who have this idea can consider the second scheme of insuring China-Korea good e-insurance medical insurance, increase the deductible of medical insurance and reduce the premium.
In this way, if there is no risk, the insurer will waste less money on premiums; When the risk appears, the insured can also get the protection of medical expenses loss beyond his own tolerance.
Here, senior sister wants to remind everyone that most of the reimbursement insurance is similar to millions of medical insurance such as China-Korea Good E Insurance. The insurance premium paid by the insurance company refers to the medical expenses actually paid by the insured. At the same time, the maximum claim is not allowed to exceed the insured amount.
Do you understand the shortcomings of good e-insurance medical insurance in China and South Korea? I'll show you right away:
Proton heavy ion therapy is the most effective method to treat cancer with less side effects. China-Korea Good E-Insurance Medical Insurance covers this treatment. The insurance ratio is 100%, which is better than other products, but it is still not in place because there are many restrictions on hospitals.
At present, China-Korea Good E-Insurance Medical Insurance only regards "Shanghai Proton Heavy Ion Hospital" as its only designated proton heavy ion medical institution, which actually restricts the insured from seeking medical treatment.
In addition, there are still some deficiencies in the good e-insurance medical insurance in China and South Korea, but the space is not enough and there is not much explanation for seniors. Everyone's attention turned to the following article:
Good e-insurance medical insurance in China and South Korea has come out, so pay attention to these problems!
Generally speaking, the content of China-Korea good e-insurance medical insurance is worthy of praise. Provide guarantee renewal to save the insured's insurance problem in a certain period of time. There are many guarantees, including proton heavy ion guarantee. Of course, this product is not perfect and has several defects. Speaking of deductibles, the advantages may be more obvious for those who avoid risks, but for those who don't want to bear too many risks of medical expenses, the second deductible of this Sino-Korean good e-insurance medical insurance product is 20,000 yuan, which is not so powerful.
If you prefer to buy insurance with deductibles for your friends, you can take a look at this product:
Is it amazing to surpass Bao 2020?
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!