It must be said that millions of medical insurance is a product favored by users in the insurance industry, and only by virtue of its own strength can it win the top spot!
Today, Sister Xue will show you how this new product is guaranteed and whether it can take the lead in the rich market of medical products!
First, the contents of Hongchuang Million Care Medical Insurance are revealed!
This is a new product, and it is still difficult to collect its information. Senior sister learned all the rules and made a protection map for your reference:
Senior sister is sure that after studying the protection map, there are still a certain number of friends who don't understand the quality of this product, so come with senior sister. Then, let's take a look at the advantages and disadvantages of this insurance!
1, advantages
Guaranteed renewal for 3 years
Under normal circumstances, millions of medical insurance is guaranteed for one 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 products can be guaranteed to be renewed for 3 years, so the conditions for renewal are quite good; Friends who have insured this insurance don't have to worry about not having medical insurance within 3 years ~
Such a contrast, a sustainable product, is really considerate!
However, there are still products with better update conditions on the market. For example, Ping An has created a medical insurance that can guarantee renewal for 20 years. Those who have taken a fancy to the update can learn more about these contents:
Ping an e life insurance long-term medical treatment has these defects!
Enjoy the insured amount and increase the rights and interests
After the renewal of Hongchuang Million Care Medical Insurance expires, the coverage will be gradually increased according to 10% of the initial coverage of various medical insurance benefits, up to 1.5 times of the original amount.
For example, when you apply for insurance, you have a coverage of 4 million, and after a guarantee renewal period, you have an additional coverage of 400,000; In the case of continuous renewal, the beneficiary can get up to 6 million!
This method of getting higher insurance coverage without spending much money is easily favored by people! It's like a kind of feedback to old customers, and the increase in insurance coverage is as high as 400 thousand each time. It's really amazing!
However, it should be noted that the proton heavy ion medical expenses for malignant tumors are not included, and the annual reimbursement limit is still the same as before.
2. Deficiencies
The waiting period is somewhat suspicious.
The insured cannot be guaranteed during the waiting period, so the shorter the waiting period, the faster the guarantee will be obtained, which is more beneficial to everyone.
There are some "tricks" in the waiting period of Acer million care medical insurance, and the general medical care is 30 days; If this responsibility is not selected, it is a waiting period of 90 days!
There is a lot in the terms. In case you don't understand, you can only guarantee compulsory responsibility and wait for danger, so there is no room for regret!
Not only that, under any circumstances, you can't set a waiting period of 90 even if you don't choose, so this condition is really not very good.
What needs to be understood is that the waiting period of many excellent medical insurance on the market is only 30 days. In contrast, Hongchuang Million Care Medical Insurance is 60 days longer! In this case, the probability of escape during the waiting period is greatly increased!
During the waiting, everyone may suffer. In order to avoid this, we must pay attention to this aspect:
The insurance company will not pay for the accident during the waiting period? If you don't understand, you will suffer a big loss!
General medical insurance is not attached.
Hongchuang million care medical insurance has only one compulsory responsibility of malignant tumor medical insurance; In other words, if you want to get more security, you can only get more security if you invest more.
But like general medical care, most of the same type of medical insurance on the market is guaranteed, not only for malignant tumors, but also for many other types of serious diseases.
Moreover, compared with malignant tumors, minor illnesses such as fever and hospitalization are more common. Hongchuang million care medical insurance is not perfect in the establishment of basic guarantee, which undoubtedly increases the sense of loss of many people!
Lack of other value-added services
As medical insurance, the value-added services of Acer Million Care Medical Insurance are not reflected in the terms. For this reason, senior sister feels very disappointed!
Many excellent medical insurance products on the market are equipped with services such as advance payment of medical expenses and green link. At the same time, many people set up good services, such as seeing a doctor.
See a doctor, see a doctor all-round service, other medical insurance can be done, think about the torture on the way to see a doctor, we still choose comfort!
Hongchuang Million Care Medical Insurance really lacks sincerity in this respect. If you want to make a debut in C, you should learn more excellent products from others:
The ranking is newly released, probably the top 10 million medical insurance!
Second, we must pay attention to these key points before buying millions of medical insurance!
There are millions of medical insurance products on the market. If you want to choose a great million medical insurance, you must pay attention to these points!
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. We call it the basic guarantee.
If you want to be a perfect million-dollar medical insurance, then these four parts are absolutely indispensable.
2. Conditions for renewal of insurance
The guarantee period of million medical insurance is only one year, because it is also a difficult problem in renewal.
Medical insurance products that can guarantee renewal need everyone's attention. There are also many excellent million medical insurance products, which can be guaranteed to be renewed for 20 years. This condition makes people almost have no worries.
On the contrary, if you buy an insurance product that does not guarantee renewal, in the later stage, the guarantee usually needs to be reviewed from the beginning. If you have physical problems or have received compensation, you may not be able to continue insurance.
Therefore, everyone should remember to pay attention when purchasing, and try to choose millions of medical insurance products with good renewal terms or relatively stable insurance coverage.
3. Value-added services
Generally speaking, high-quality million medical insurance will be equipped with value-added services accordingly, which is very good in actual use and has considerable benefits when seeking medical treatment.
It is best to complete three kinds of value-added services, namely, proton heavy ion/medical expenses advance payment and green medical channel. The more value-added services, the better, because the more value-added services, the more benefits consumers will enjoy.
On the whole, Hong Zhonghong's millions of care medical insurance is perfect for cancer protection, but it is lacking in other aspects.
If you have a partner who wants to buy millions of medical insurance, you can compare more, just because you deserve the best product ~
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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