Seeing that friends are looking forward to these new products, school sisters must pay attention. Superior Insurance 202 1 Million Medical Insurance is a million medical insurance recently launched by Fosun United. I heard that the premium of this insurance is very cheap, and 16 value-added service has been set up for users. Can there be such a "cheap bowl"?
Today, I will follow in the footsteps of my seniors and see what this medical insurance can do. Before the evaluation, I would like to ask if you have encountered these pitted medical insurance products. Please be careful when you encounter these medical insurances!
1. What is the coverage of premium insurance 202 1 10,000 medical insurance? Is it worth buying?
Let's take a look at the product evaluation chart of superior insurance 202 1 10,000 medical insurance prepared by senior sister:
Looking at the picture, we can see that people under the age of 60 can also be insured through Fosun Premium Insurance 202 1, and most of the mainstream medical insurance in the market have the same age. From the perspective of insurance occupation, it is acceptable to engage in 1-4 occupational groups. Generally speaking, the conditions for insurance are wider.
Next, let me tell you the coverage of this product. The basic security consists of general medical care, serious illness medical care, proton heavy ion medical care and special drug medical care for tumor, and the value-added services such as medical green link, expert consultation and advance payment of hospitalization deposit have been added 16.
Moreover, in terms of optional liability, in order to further supplement the children's group guarantee and make the insured have more confidence in children's insurance, children's insurance has many choices in terms of optional liability, including children's vaccination allowance, children's general accidental injury allowance and children's specific serious illness insurance.
To sum up, the overall guarantee of this product is good. Is it worth buying? Let's look at its advantages and disadvantages.
1 advantages and superior guarantee 202 1
(1) deductible is optional.
Due to different deductibles, the product is divided into two insurance plans. The deductible for general medical treatment in Scheme 1 is 0.5 million, while that in Scheme 2 is10.0 million, which seems to be a difference of 5,000 yuan.
Maybe we think it's only 5000. It is easy to see from the relevant data provided by the information company letter that in 20201-July, 6707.4 is actually the per capita hospitalization expenses of secondary public hospitals. Then, some expenses will be reimbursed through local medical insurance. Finally, the part that needs to be paid by oneself is relatively small, even less than 5000 yuan. We can know that in medical insurance, the deductible of 1 ten thousand yuan is quite good.
However, the deductible of most medical insurance products in the market is set at around 1 ,000 yuan, and the setting of excellent insurance 202 1 will provide consumers with more choices. If you don't know how important deductibles are, you should really read this article: What is the definition of deductibles? Is the deductible as small as possible?
(2) Provide more practical optional responsibilities and value-added services.
Youbao 202 1 provides three optional responsibilities for children: children's extra-vaccine allowance, children's general accident allowance and children's specific critical illness insurance, which makes people feel that its protection is more adequate, secure and practical.
Although it seems that the daily payment amount of the two allowances and the types of children's special disease insurance benefits are the same, they are all one day in 200 yuan, 18, the first scheme is 5,000 yuan, and the second scheme is 10000 yuan, all of which are relatively small, but it needs to be emphasized that the added cost is really low.
A 0-year-old baby only needs to spend more 25 yuan to get the above three kinds of protection. The safety is not great, but it is economical and applicable.
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. Even if the price is cheap, you can get advanced guarantee service! It's really not easy to find something similar!
Here, senior sister wants to say that the more value-added services, the better. There are some invisible problems that must be paid attention to: the more value-added services in medical insurance, 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. The insurance premium of this product is lower than that of other similar products. You know, under the same insurance conditions, the exclusive E student with high cost performance is 202 1 308 yuan/year, even if the coverage is wide, the price is very cheap.
After reading this, some friends may be tempted to start. Although superiority retains these advantages, the following disadvantages can not 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.
Premium insurance 202 1 10,000 medical insurance is a short-term medical insurance with a term of 1 year. The terms clearly state that the product is not guaranteed to be updated. If the insurer does not agree to renew the insurance or the product is discontinued, the insured will not be able to renew the insurance in the next year, and such products will not be reassuring. In this way, in the long run, the security is really not very stable.
In product selection, try to choose products that will not be affected by health and claim history, as my senior sister said before. These insurance products can ensure that the insured can renew their insurance no matter what happens to their health, whether they have claims or not, and even if the products are removed from the shelves, they can continue to renew their insurance. Up to now, the longest guarantee renewal period is 20 years.
2. Insufficient hospitalization allowance for serious illness.
Hospitalization allowance for serious illness has become the standard of many excellent medical insurance, which greatly improves the practicability of medical insurance. If you want to give yourself more protection when you are unfortunately diagnosed with a serious illness, you should buy medical insurance for serious illness. If this happens, the insurance company will pay according to the daily hospitalization allowance agreed in the contract, and the patient can claim compensation from the insurance company with the medical record, diagnosis certificate and discharge certificate.
This can greatly reduce the economic pressure of patients. On the one hand, hospitalization expenses can play a certain role of subsidy, on the other hand, because of serious illness, you can't go to work normally, and some of your income losses will be compensated.
3. The coverage of outpatient and emergency services before and after hospitalization is small.
In the reimbursement of outpatient and emergency expenses, Youbao 202 1 reimbursed the expenses 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 complete it only seven days before hospitalization.
There are many promising excellent medical insurance products on the market now. After all, these medical insurances can be reimbursed for 30 days before and after hospitalization. From this comparison, we can know that Youbao 202 1 will be slightly worse.
As can be seen from the above, Fosun Premium Insurance 202 1 is relatively comprehensive, and its premium is lower than that of most similar products on the market, so it is a good and inexpensive product. In addition, this product has a major feature that it focuses on protecting children's diseases.
However, this product is not guaranteed to be renewed, and it may face the situation that the product is discontinued or the audit fails. Friends who care about this situation suggest giving priority to other similar products that can guarantee renewal.
Write it at the end
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