How about enjoying e million medical insurance?

As one of the "artifacts" to resist the risk of disease, millions of medical insurance has been enthusiastically sought after by consumers. But remember to read the health instructions before insuring the million medical insurance! I recommend you to read: "If you don't tell the truth, can the insurance company not pay for it?" 》

Let's take a look at the basic information of e-health million medical insurance:

The picture comes from Bao Dad.

Advantages:

1. Covers a wide age range.

The age range of e million medical insurance is 0-70 years old, and its age limit for the insured is very loose.

2. Underwriting is relatively loose

E-Million Medical Insurance is not intelligent underwriting, but it is friendly to people with three highs and hepatitis B virus carriers, and patients with these diseases can easily be insured.

3. A wide range of reimbursement

Enjoy e-million medical insurance, which can not only reimburse the expenses of special outpatient service and outpatient operation that meet the requirements of the contract, but also reimburse the expenses of imported drugs, self-funded drugs and targeted drugs.

Disadvantages:

1. Critical illness medical treatment has deductible.

E million medical insurance has a critical illness deductible of 1, 000/20000, which is rare in medical insurance. At present, most of the millions of medical insurance on the market have no deductible for serious illness.

2. Update is strict

According to the contract of e million medical insurance, if the insured wants to renew the insurance, he must first apply to the insurance company for renewal, and the insurance company will issue a renewal policy only after the insurance company has approved it.

That is, the insurance company needs to review the health status of the insured first, and then decide whether to continue underwriting according to the audit results.

This shows that if the health status of the insured changes, it is very likely that he will not pass the health audit of the insurance company and be refused insurance.

3. Long waiting period

The waiting period of millions of medical insurance in the market is generally 30 days, while the waiting period of e-health millions of medical insurance is 90 days. Although the waiting period is a bit long, it is understandable for insurance companies to reduce the risk of claims by allowing sick elderly people to take out insurance.

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