I believe we all know that millions of medical insurance can be regarded as a hot product in the insurance industry. If you want to stand out, you must have real skills!
Today, Xue Jie will take you to see how strong the protection of this new product is, and whether it has the strength to make its debut among millions of medical products!
If you want to see more details of Acer Million Care Medical Insurance:
I suggest that you pay attention to these points that Hong Zhonghong created millions of caring medical insurance.
First, the contents of Hongchuang Million Care Medical Insurance are revealed!
This product is newly launched, and it is not easy to search its related content. After picking up all the clauses, Senior Sister made a protection map for your reference:
After learning the protection map, there must be many friends wondering whether this product is really excellent. Then let's learn about the advantages and disadvantages of this insurance product!
1, advantages
(1) Guaranteed renewal for 3 years.
Under normal circumstances, the guarantee 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.
Kehong Chuang Million Care Medical Insurance, this product can be renewed for 3 years. This kind of renewal condition is quite acceptable. If you take out this insurance, you will have no problem in the next three years ~
In this way, compared with products that do not guarantee renewal, everyone will be more focused!
At present, many insurance companies in the market have products with good renewal conditions. For example, Ping An has introduced a medical insurance that guarantees a 20-year renewal.
(2) Enjoy the insured amount and increase the rights and interests.
Hongchuang million care medical insurance stipulates that after the end of each guarantee renewal period, the insurance coverage will be increased step by step according to the proportion of 10% of the initial insurance coverage of various medical insurance benefits, with a maximum increase of 50% on the basis of the original insurance coverage.
When buying insurance, if your coverage reaches 4 million, you can increase your coverage by 400 thousand after a guaranteed renewal period; In the case of continuous renewal, the beneficiary can get up to 6 million!
In this way, the insured will have more insurance methods without paying more money, and earn a lot of profits for the insured! It can be regarded as a welfare for old customers, and you can add 400 thousand each time. It's really strong!
It is worth noting that the proton heavy ion medical expenses for malignant tumors are not among them, and the annual reimbursement limit has not changed.
2. Deficiencies
(1) There is something fishy about the waiting period.
When the insured is waiting, there is no guarantee, so the shorter the waiting period, the faster the guarantee will be obtained and the more benefits will be brought to everyone.
There are some problems in the waiting period of Acer Million Care Medical Insurance, so the general medical treatment is 30 days. If the waiting period is 90 days, it is because you have not chosen this responsibility!
When we look at the content of this clause, we must read it clearly. If you don't see it clearly, only compulsory liability will be guaranteed, and it will be too late to do anything when the waiting period is out of danger!
Not only that, even if you can't choose, you have no right to set the waiting period at 90 days, so some people will think this condition is a bit unsatisfactory.
You know, many excellent medical insurance on the market have a waiting period of only 30 days. In contrast, Acer Million Care Medical Insurance has a full 60-day gap with other products! If so, the probability of getting out of danger during the waiting period will increase a lot!
Therefore, during the waiting period, in order not to let us suffer, we must focus on the relevant content, which we should remember:
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) There is no self-provided general medical insurance.
Hongchuang million care medical insurance has only one compulsory responsibility, which is malignant tumor medical insurance; That means you want more protection. If you want more protection, you should invest more money when you buy it.
General medical care, the market will provide many similar medical insurance, dozens or even hundreds of serious diseases can be covered, not just malignant tumors.
If malignant tumor is compared with other diseases, minor diseases such as fever and cold are more common for most people. For this basic guarantee, Acer Million Care Medical Insurance does not provide it, which will disappoint many people!
Second, we must pay attention to these key points before buying millions of medical insurance!
In the market, millions of medical insurance products emerge one after another, which is hard to count. If you want to choose a good million medical insurance, you must pay attention to these key points!
1, basic guarantee
There are about four kinds of medical expenses that can be reimbursed by millions of medical insurance. These four categories are: hospitalization expenses, special outpatient expenses, outpatient surgery expenses, and emergency expenses before and after hospitalization. These are the basic guarantees that everyone is generally concerned about.
For a million medical insurance, without any of the above contents, it cannot be a qualified million medical insurance.
2, renewal conditions
The renewal of millions of medical insurance is prone to problems because its guarantee period is only one year.
I suggest you focus on those medical insurance products that can guarantee renewal. At present, the excellent million medical insurance on the market has been guaranteed to be renewed for 20 years, which makes people almost have no worries.
On the contrary, if you buy a product that is not guaranteed to be renewed, the product guarantee will usually be re-examined at a later stage. If you have physical problems or have received compensation, you may not be able to continue insurance.
Therefore, when purchasing, we should try to choose millions of medical insurance products with good renewal conditions or high insurance stability.
3. Value-added services
Generally speaking, excellent million-dollar medical insurance covers the content of value-added services, which are also very practical and have considerable benefits when seeking medical treatment.
Proton heavy ion, prepaid medical expenses and green medical Channel are the best combination. The more value-added services, the better, because the more value-added services, the more benefits you can get, and the emphasis should be practical.
Generally speaking, Hong Zhonghong's Million Care Medical Insurance has perfect protection for cancer, but the protection is not so good.
If you have a partner who wants to buy millions of medical insurance, you can compare more, just because you deserve the best product ~
Senior sister has compiled millions of comprehensive and cost-effective medical insurance products for everyone. Take a look:
Ten million medical insurance rankings have just come out!
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