I believe everyone knows that millions of medical insurance can be regarded as a hot product in the insurance industry, and only when the conditions are excellent can we take the lead in the market!
Now, Sister Xue will tell you about the protection of this new product and whether it can take the lead in the medical insurance market!
First, the contents of Hongchuang Million Care Medical Insurance are revealed!
It's a new product, and it's not easy to collect information, but the seniors have made in-depth research on all its terms and summarized a safeguard map:
After reading the protection map, I believe many friends have doubts about whether this product is worth buying, so the senior sister will help you and directly reveal the advantages and disadvantages of this insurance!
Advantages of Hongchuang Million Care Medical Insurance
1, guaranteed to be renewed for 3 years.
Generally speaking, the insurance period of millions of medical insurance is 1 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, with regard to Hongchuang Million Care Medical Insurance, it can be guaranteed to be renewed for 3 years, and the conditions for this renewal are still relatively ok; If a person has taken out this insurance, there will be no shortage of medical insurance within 3 years ~
In this way, we are much more assured than those products that have no guarantee of renewal!
However, there are products with better updating conditions on the market at present. For example, Ping An Insurance Company has a medical insurance that can be renewed for 20 years. If you take a fancy to the renewal fee, you can learn more about it:
Comprehensive analysis of ping an e life long-term medical insurance!
2, enjoy the insurance amount to increase the rights and interests.
After the end of each coverage renewal period, the coverage of Hongchuang Million Care Medical Insurance will be gradually increased according to 10% of the initial coverage of various medical insurance benefits, and the maximum coverage will be increased to 150% of the initial coverage.
When buying insurance, if your coverage reaches 4 million, you can increase your coverage by 400 thousand after a guaranteed renewal period; If you continue to renew the insurance, the final insurance amount will be as high as 6 million!
Similar to this method, you can get higher insurance coverage without spending more money, which is very considerate to consumers! It can be regarded as a gift for old customers, and the amount of each increase is 400 thousand, which is really quite awesome!
However, it should be noted that the increase does not include proton heavy ion medical expenses for malignant tumors, and its annual reimbursement limit remains at the original level.
Shortcomings of Hongchuang Universal Medical Insurance
1, the waiting period is tricky.
During the waiting period, the insured is not guaranteed, so the shorter the waiting time, the greater the help to the insured.
The waiting period of Acer's million care medical insurance is "difficult", and the general medical care is 30 days; If you don't want to wait 90 days, you choose this responsibility!
In the process of reading the contents of this clause, if you don't read it carefully, you will only be insured for compulsory liability, and it is too late to regret the loss during the waiting period!
More than that, even if you don't choose, there can't be a 90-day waiting period among the options you can choose. So this condition is really not perfect.
Many excellent medical insurance on the market have a waiting period of 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 will increase a lot!
So if we don't want to suffer during the waiting period, we must focus on the relevant knowledge:
The insurance company will not pay for the accident during the waiting period? If you don't understand, you will suffer a big loss!
2. General medical insurance is not attached.
One of the only compulsory responsibilities of Hongchuang Million Care Medical Insurance is the medical insurance premium for malignant tumor. If you want more security, you have to spend more money.
Most of the general medical insurance in the market is compulsory, but Hongchuang Million Care Medical Insurance sets this guarantee as optional, which can be said to be very poor!
Second, we must pay attention to these key points before buying millions of medical insurance!
Millions of medical insurance products have emerged in the market. If you want to choose excellent million medical insurance, you must pay attention to these points!
1, basic guarantee
Before and after hospitalization, outpatient and emergency expenses, outpatient surgery expenses, special outpatient expenses and hospitalization expenses have been included in the reimbursement of millions of medical insurance, which is the basic guarantee for everyone's attention.
As a qualified million-dollar medical insurance, these four parts of reimbursement responsibility are indispensable.
2, renewal conditions
Because millions of medical insurance only covers one year, the problem of renewal arises.
You can focus on the medical insurance products that guarantee renewal. At present, the excellent million medical insurance on the market has been guaranteed to be renewed for 20 years, which is a worry-free condition.
What is completely different is that if the purchased product is not renewed, it is usually necessary to review the guarantee from the beginning in the later stage. If the health condition changes or is paid, it should be impossible to continue to insure.
Therefore, when purchasing, we should pay attention to choosing millions of medical insurance products with good renewal terms or relatively stable insurance coverage.
3. Value-added services
Generally speaking, a good million medical insurance has value-added services, and these value-added services are also very practical and have many good effects on medical treatment.
It is best to provide the following three kinds of value-added services: proton heavy ion, medical expenses advance and green medical channel. The more value-added services, the better, and the income you get will increase with the increase of value-added services.
From all angles, the cancer protection provided by this insurance company, Zhonghongchuang Million Care Medical Insurance, is quite in place, but other aspects are just so-so.
If you want to choose millions of medical products, you can consider others, because only more advanced and better quality products can deserve the extraordinary you ~
Ten million medical insurance rankings are freshly released!
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