Seeing the small eyes of friends looking forward to new products, the senior sister will pay close attention.
Youbao 202 1 million medical insurance is a million medical insurance recently launched by Fosun. It is said that not only the premium is cheap, but also the 16 value-added service is provided. Is it really so cheap?
Now senior will give you an in-depth study of this medical insurance and see what it is like. I wonder if you have encountered these pitted medical insurance products before reading the evaluation?
"When you meet these medical insurances, you must be vigilant! 》
1. What is the coverage of premium insurance 202 1 10,000 medical insurance? Is it worth buying?
Let's take a look at the product evaluation chart of superior insurance 202 1 10,000 medical insurance prepared by senior sister:
As we know from the figure, Fosun Premium Insurance 202 1 is aimed at people under the age of 60, and the insured age is the same as most mainstream medical insurance in the market. 1-4 occupational groups can be insured now. Generally speaking, the insurance conditions are relatively loose.
How wide is the protection scope of this product? The basic guarantee includes: general medical care, serious illness medical care, proton heavy ion medical care, cancer special medical care, and value-added services such as 16 additional medical green link, expert consultation and prepaid hospitalization deposit.
Moreover, in terms of optional responsibilities, in order to further supplement the protection of children's groups and make more people feel enough, Youbao 202 1 specially added three optional responsibilities, namely, children's vaccination allowance, children's general accidental injury allowance and children's specific serious illness insurance.
Someone asked, since this product has such a good overall guarantee, will you regret buying it? Let's look directly at the pros and cons.
1 advantages and superior guarantee 202 1
(1) deductible is optional.
Due to different deductibles, the product is divided into two insurance plans. The deductible line for general medical treatment in scheme 1 is 0.5 million yuan, and that in scheme 2 is 1 10,000 yuan, with a difference of 5,000 yuan.
It seems that there is only a difference of 5000 yuan. According to the relevant data provided by the information company letter, from June 205438 to July 2020, the per capita hospitalization expenses of secondary public hospitals were 6707.4 yuan. If medical insurance can be reimbursed, it is very likely that the remaining self-funded project costs will not even reach 5,000 yuan. So for medical insurance, the deductible of 1 0,000 yuan is already very high.
However, the deductible of many medical insurance products in the market is set at around 1 1,000 yuan, and the setting of excellent insurance 202 1 means that consumers have more choices. If some friends haven't realized the importance of deductible, they may wish to browse the following contents:
What is the definition of deductible? Is the deductible as small as possible? 》
(2) Provide more practical optional responsibilities and value-added services.
It provides three optional responsibilities: children's vaccination accident allowance, children's general accident allowance and children's specific serious illness insurance money, which greatly expands the scope of children's protection and is still relatively practical.
Although it seems that the number of children's special diseases covered by the two types of allowances is the same, both are 18, and even the amount of compensation per day is the same, the amount of one day in 200 yuan. The total amount of scheme 1 is 5,000 yuan, and scheme 2 1 1,000 yuan. There are not many three items, but it should be emphasized that their expenses are really low.
A 0-year-old baby only needs to spend more 25 yuan to get the above three kinds of protection. The security is not great, but it is still very affordable on the whole.
In addition, if you are unfortunately suffering from a serious illness, you can also enjoy 16 kinds of value-added services, which run through the whole process of seeing a doctor, diagnosis, treatment and recuperation. Enjoy advanced services at low prices! There's no one left!
(3) the premium is cheap
30-year-old male, social security insurance for this product, without optional liability, only needs 195 yuan/year for the first time. Compared with other similar products on the market, this premium is relatively low. You know, under the same insurance conditions, the exclusive E student with high cost performance is 202 1 308 yuan/year.
Even with wide coverage, the price is very cheap. Friends who don't believe it very much recommend you to look at this comparison table of medical insurance products on the market:
"Super complete! Domestic popular millions of medical insurance comparison table "
After reading this, some friends may be tempted to start. Although superiority retains these advantages, the following disadvantages cannot be ignored.
Second, what are the shortcomings of Youbao 202 1 10,000 medical insurance, and is it worth buying?
1, renewal is not guaranteed.
Superior insurance 202 1 10,000 medical insurance is a short-term medical insurance with a term of 1 year, and the terms clearly indicate that the product does not guarantee renewal. However, for the insured, an insurance product will have good practicability only if it is guaranteed to be renewed and will not be affected by the insurer's review of renewal or product suspension, otherwise the scope of application will be limited. In this way, in the long run, the superior Bao 202 1 is not so stable.
As my senior sister said before, try to choose products that are not affected by health and claim history. These insurance products can ensure that the insured can renew their insurance no matter what happens to their health, whether they have claims or not, and even if the products are removed from the shelves, they can continue to renew their insurance. The longest guarantee renewal period has reached 20 years.
2. Insufficient hospitalization allowance for serious illness.
In order to expand the application scope of medical insurance, many excellent medical insurances have set up hospitalization allowance for serious illness, which has become standard. When the insured is unfortunately diagnosed with a serious illness, the insurance company will pay the agreed daily hospitalization allowance according to the contract. When making claims, patients need to have medical records, diagnosis certificates and discharge certificates as vouchers.
This can reduce the economic pressure of patients. On the one hand, hospitalization costs money, and hospitalization allowance can play a certain subsidy role. On the other hand, because of the serious illness, patients can't go to work normally, which can make up for some income losses.
3. The coverage of outpatient and emergency services before and after hospitalization is small.
Youyoubao 202 1 only reimburses outpatient and emergency expenses for 7 days before hospitalization and 30 days after hospitalization. It is a long process from initial diagnosis, follow-up, diagnosis to hospitalization, and only 7 days before hospitalization is not enough.
At present, there are many good medical insurance products on the market, which can reimburse the expenses from 30 days before hospitalization to 30 days after hospitalization. Through this comparison, it is enough to see the shortcomings of excellent insurance 202 1.
As can be seen from the above, Fosun Premium Insurance 202 1 has a comprehensive coverage, and its premium is relatively low among other similar products in the market, so it is a rare and inexpensive product. In addition, this product focuses on protecting children's diseases, which is also a major feature.
However, this product is not guaranteed to be renewed, so it may face the situation that the product is discontinued or the renewal is not passed. What I care about is that small partners in this area can choose other products that can guarantee renewal.
Write it at the end
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