Seeing that friends are so looking forward to new products, how can school sisters slack off?
Recently, Fosun jointly launched Superior Insurance 202 1 10,000 medical insurance. It is said that not only the premium is cheap, but also 16 value-added service. Can there be such a good thing?
Now the senior sister will discuss whether this product is good or not for everyone. But before the evaluation, let's take a look at these pitted medical insurance products. Have you seen them?
Don't be careless 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 premium insurance 202 1 10,000 medical insurance:
We get a lot of information from the pictures: Fosun Premium Insurance 202 1 is aimed at people under 60, the same age and most mainstream medical insurance in the market.
From the perspective of insurance occupation, people engaged in 1-4 occupation can apply for insurance, which means that the conditions for insurance are relaxed.
Next, let's take a look at the coverage of this product.
The basic guarantee includes: general medical care, serious illness medical care, proton heavy ion medical care, cancer special medical care, plus 16 additional medical green link, expert consultation, hospitalization deposit advance and other value-added services.
Moreover, in terms of optional liability, it further supplements the children's group guarantee, providing children's vaccination allowance, children's general accidental injury allowance, children's specific serious illness insurance and other optional liabilities.
Someone asked, since this product has such a good overall guarantee, will you regret buying it? Let's look at its advantages and disadvantages.
1 advantages and superior guarantee 202 1
(1) deductible is optional.
This product is divided into two insurance plans, which are divided according to their deductibles. The deductible for general medical treatment in Scheme I is 05000, while that in Scheme II is 10000, which seems to be 5000 yuan short.
Maybe you think that 5,000 yuan is not far away, but according to the relevant data provided by the Statistical Information Center, the actual per capita hospitalization expenses of secondary public hospitals in 2020 will be 6,707.4 yuan. If it can be reimbursed by medical insurance, it is likely that the remaining self-funded project costs will not even be 5,000 yuan.
In addition, we should know that most of the medical insurance on sale has a deductible of about 6,543,800 yuan, which is good enough.
Superior insurance 202 1 is more beneficial to consumers, and it also provides a deductible of 5000 yuan, giving them more choices.
If some friends still think the deductible is useless, please read this article quickly:
What is the deductible? Is the deductible as small as possible?
(2) Provide more practical optional responsibilities and value-added services.
Youbao 202 1 also provides three optional responsibilities for children, namely, children's extra-vaccination allowance, children's general accident allowance and children's specific serious illness insurance money to protect the rights and interests of children.
Although it seems that both kinds of allowances are 18 kinds of children's special disease insurance benefits for one day in 200 yuan, the first scheme is 5000 yuan, and the second scheme is 10000 yuan. It's not too much, 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. Enjoy advanced services at low prices! There's no one left!
Senior, warm reminder, more value-added services don't mean good, there are still some traps you should stay away from:
Analysis of value-added services in medical insurance is not the more 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. Its premium is lower than other similar products on the market.
You know, under the same insurance conditions, the exclusive E student with high cost performance is 202 1 308 yuan/year. Not only is the coverage comprehensive, but the price is also very cheap.
Seeing this, probably many friends are eager to have this insurance.
Although superiority retains these advantages, the following disadvantages cannot 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 indicate that the product is not guaranteed to be renewed. Because premium insurance 202 1 does not guarantee renewal, when the insurer does not agree to renew the insurance or the product is discontinued, the insured cannot continue to renew the insurance in the next year. In this way, in the long run, the security is really not very stable.
Sister Xue said before that when choosing, try to choose products whose renewal is not affected by physical health factors and claims history.
Ensure that the renewed products will not be rejected because of the insured's health changes or claims records during the renewal period, so that the insured can feel more secure. Even if the product is taken off the shelf, the renewal can continue, and the current renewal time can be as long as 20 years.
2. Insufficient hospitalization allowance for serious illness.
In order to expand the application scope of medical insurance, many excellent medical insurances have set up hospitalization allowance for serious illness, which has become standard. If a serious illness is unfortunately diagnosed, the insurance company will pay according to the daily hospitalization allowance agreed in the contract. Insurance companies must first see the patient's medical record certificate, diagnosis certificate and discharge certificate before they can make claims for patients.
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, they can't go to work normally, which will provide consumers with some income losses.
3. The coverage of outpatient and emergency services before and after hospitalization is small.
7 days before hospitalization and 30 days after hospitalization are the reimbursement standards for outpatient and emergency expenses of Youbao 202 1. It is a long process from initial diagnosis and follow-up to diagnosis and hospitalization, so only 7 days before hospitalization is not enough.
At present, many excellent medical insurance products are very powerful, that is, the expenses can be reimbursed for 30 days before and after hospitalization. This is not as good as the superior guarantee 202 1.
According to the above, we can know that the coverage of Fosun Premium Insurance 202 1 is relatively comprehensive compared with similar products, and the cost is relatively low compared with most similar products on the market, so it is a rare and inexpensive product in similar products. In addition, a major feature of this product is its focus on protecting children's diseases.
However, because this product is not guaranteed to be renewed, there may be cases where the product is discontinued or the insurer fails to pass the examination. 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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