Senior sister directly answers for everyone: very safe!
There are many insurances for this service, and it is worth noting that one of them is Versailles plus!
Let's talk about this problem in detail ~
Expert consultation is actually a green service/value-added service in insurance. To know what this is, you can read this article:
What is the "value-added service" in insurance? The more value-added services the better? Small sample, too naive ... "
1. Why does critical illness insurance provide expert consultation service?
"Difficult to see a doctor" has now become a very common problem. Many friends find that they have some physical problems and plan to come to the hospital for consultation. ...
But I can't buy the expert number. At the same time, the hospital queues are very long every day, which really delays time.
Therefore, in order to solve this kind of problem, many serious illness insurance companies have introduced "expert consultation" and other services to the market.
Just to make friends without the problem of "difficulty in seeing a doctor".
Expert consultation is certainly credible. For example, for expert consultation on Versailles plus products, we can consult health issues on APP or WeChat.
2. Which insurances include "expert consultation" service?
The Versailles plus mentioned above has added "expert consultation" service.
It not only provides expert consultation service, but also provides expert outpatient appointment and service, hospitalization/operation arrangement, CAR-T service, overseas multidisciplinary consultation service and overseas medical treatment arrangement service.
Don't digress, let's look at the picture first:
For example, CAR-T service, that is, green link service, is still very popular.
CAR-T is very effective in treating cancer, but the price is very high, and it costs millions of yuan to get an injection.
But suppose you buy Versailles products, you can have free CAR-T treatment service!
Senior sister would like to remind everyone that when learning about critical illness insurance, you can learn about the specific green pass service attached to this product.
Whether the service of Lvlian is rich and practical is called one of the criteria to judge whether a critical illness insurance is excellent or not.
In addition to watching the Green Alliance, we also need to pay attention to the protection content and payment ratio of critical illness insurance.
The specific content can be seen here:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
3. What about Versailles?
Versailles plus not only has a bright spot in the service of Green Alliance, but also the guarantee content of this product is quite brilliant.
Not much to say, just look at the picture:
1, with rich security contents.
Versailles plus guarantees are rich in content, and the basic guarantees are: serious illness guarantee, medium illness guarantee and light illness guarantee.
Furthermore, Versailles plus also set up the risk of malignant tumor (severe) expansion.
What needs to be known is that people are more prone to relapse, metastasis and spread after being diagnosed as malignant tumors, so we still need protection at this time.
The insurance liability of malignant tumor (severe) is expanded, which can guarantee the risk brought by the recurrence of this malignant tumor (severe).
2. The compensation ratio is very good
The payment ratio of Versailles plus is also very good. There is an extra payment for serious illness, and the maximum extra payment can be 80%.
For the first serious illness under 60 years old, the insurance company will not only pay according to the basic insurance amount 100%, but also pay an extra 80%.
In addition, 60-64-year-olds need extra compensation, and the extra compensation ratio is 30% of the insured amount.
Moreover, Versailles plus has a good proportion of compensation for mild and moderate diseases, which are 60% and 30% respectively.
If the insured is under 60 years old and suffers from moderate/mild illness for the first time, the insurance company will pay extra 15% of the insured amount.
However, it should be noted that only 1 extra payment is provided for mild cases.
In other words, if you are unfortunate enough to get a moderate illness for the first time and get extra compensation, if you get a mild illness again, there is no extra compensation guarantee.
Versailles plus has many advantages, so I won't say much about it here. You can read this article:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!