1. Additional compensation for children with high incidence rate 15 The additional insured amount for children with specific major diseases is superimposed with major diseases, which is equivalent to twice the insured amount. Eight high-cost specific diseases pay an extra 50% of the insured amount. For children with high incidence of diseases, the protective effect is relatively strong. Specific diseases are as follows: leukemia, severe polio, severe epilepsy, etc.
2. Stable matching with medical insurance
In addition, you can also enjoy life-long hospitalization, with five-year guarantee, and the annual fee is 1 000 yuan. It can expand the scope of self-funded drug reimbursement, seamlessly connect with 10,000 yuan medical insurance, and relax the renewal of Ping An micro-medical insurance in the past.
Supplementary electronic health insurance can guarantee 5-year renewal or only long-term medical treatment, and guarantee 20-year renewal, which can cope with the treatment costs of major diseases or major accidents.
At present, Ping An Medical Insurance provides advance payment and pre-payment services. When reporting a claim in the hospital, the customer service will ask whether it is necessary to pay first or pay first, and the hospitalization deposit can be paid to the consumer first.
3. The definition of disease is loose
The definition of mild illness is the most ideal type. The definition of disease is loose. Cancer in situ and follicular thyroid cancer can be compensated once each. Cancer in situ is the highest incidence of mild diseases in the past, and thyroid cancer is the highest incidence of severe diseases in the past (currently classified as mild diseases, and the probability of multiple compensation for mild diseases has increased significantly). The definitions of malignant tumor, mild, early stroke and early heart disease are the same as those of companies.
Shortcomings and shortcomings
1. Mild diseases have invisible groups.
2. The proportion of minor illness compensation is low.
Minor illnesses have not been paid collectively for many times, but the proportion of each payment is low, and only 20% of the insured amount can be paid. Compared with the lowest proportion of similar products of 30%, the compensation amount is not high.
3. The cost is quite high
If this product is insured at the age of 0, the insured amount is 300,000. Under the premise of not attaching other security responsibilities, the annual premium exceeds 3,000 yuan, which requires customers to have a certain ability to pay continuously. Check the payment price of different age groups
4. The difference between serious illness in children and serious illness in adults.
The biggest difference between children's critical illness insurance and adult's critical illness insurance lies in the age of insurance and the content of protection. Seriously ill children are only insured for children aged 0- 17 or 20, and seriously ill adults are insured for children aged 0-65 or 18-65. In terms of coverage, for children with high incidence of diseases-leukemia and severe hand, foot and mouth disease, children with severe diseases can get extra compensation and double the insured amount. Among high-risk diseases, the coverage of serious diseases in adults may not be as targeted as that in children.