Seeing that friends are so looking forward to new products, how can school sisters slack off? Recently, Fosun jointly launched premium insurance 202 1 10,000 medical insurance. It is said that the premium of this insurance is very cheap, providing users with 16 kinds of value-added services. Is it really so easy to use and cheap?
Let the senior take you to know more about this medical insurance. Before the evaluation, I would like to ask if you have encountered these pitted medical insurance products.
Don't be careless when you meet these medical insurances!
1. What is the coverage of premium insurance 202 1 10,000 medical insurance? Is it worth buying?
Follow in the footsteps of senior sister to see the product evaluation chart of superior insurance 202 1 10,000 medical insurance:
As can be seen from the above figure, Fosun Premium Insurance 202 1 is aimed at people under 60, which is similar to most mainstream medical insurance in the market. In the insurance profession, you can accept the insurance of 1-4 occupational group. Generally speaking, the insurance conditions are relatively loose.
Let's take a look at the coverage of this product. Basic security includes general medical care, serious illness medical care, proton heavy ion medical care, oncology medical care, medical green link, expert consultation, advance payment of hospitalization deposit, etc. 16 value-added services have not been forgotten.
Moreover, there are many options for optional responsibilities, including children's vaccination accident allowance, children's general accident allowance and children's specific critical illness insurance.
Generally speaking, the overall protection of this product is very comprehensive. Is it worth our insurance? Let's take a look at its advantages and disadvantages.
1 advantages and superior guarantee 202 1
(1) deductible is optional.
There are two insurance plans for this product. The general medical out-of-pocket line of scheme 1 is 5000 yuan, and the out-of-pocket line of scheme 2 is 1 000 yuan. There seems to be a difference of 5000 yuan between the two.
Maybe we think there is only a gap of 5,000 yuan, but according to the relevant data provided by the Statistical Information Center, the per capita hospitalization expenses of secondary public hospitals in 2020 will be 6,707.4 yuan. If it can be reimbursed by medical insurance, it is likely that the remaining expenses will be less than 5000 yuan. So for medical insurance, the deductible is 65438+100000 yuan.
At present, most medical insurance products in the market set the deductible at around 1 1,000 yuan. With the setting of excellent insurance 202,654,38+0, consumers will have more choices. If some friends still think the deductible is useless, please read this article quickly:
What do you mean by deductible? The less deductible, the better for us?
(2) Provide more practical optional responsibilities and value-added services.
Superior Insurance 202 1 provides three optional liabilities: children's extra vaccination allowance, children's general accident allowance, and children's specific serious illness insurance, and its practicality is still ok.
Although in terms of the amount of compensation, both kinds of allowances are paid for one day in 200 yuan, and both kinds of allowances include 18 kinds of children's special disease insurance money, with scheme 1 being 5000 yuan and scheme 2 being 10000 yuan. The three kinds of compensation don't seem to be very big, but it needs to be emphasized that the added cost is really low.
A 0-year-old baby only needs to spend more 25 yuan to get the above three kinds of protection. The safety is not great, but it is economical and applicable.
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. You can get advanced services at a low price! There really is no one!
However, senior sister needs to remind everyone here that many value-added services are not necessarily useful, and there are still some traps you should stay away from:
Analysis of value-added services in medical insurance is not the more the better!
(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. The price of this product is much cheaper than that of similar products on the market. You know, under the same insurance conditions, the exclusive E student with high cost performance is 202 1 308 yuan/year.
Seeing this, some friends can't wait to get insurance. 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, which does not support the guarantee renewal, that is to say, the insurer does not agree to renew the insurance or the product is discontinued, and it cannot renew the insurance next year, so the insurance is unstable for a long time.
2. Insufficient hospitalization allowance for serious illness.
Hospitalization allowance for serious illness has become the standard of many excellent medical insurance. If a serious illness is unfortunately diagnosed, the insurance company will pay according to the daily hospitalization allowance agreed in the contract, and the patient needs to rely on the medical record, diagnosis certificate and discharge certificate as proof of claim.
With this part of the allowance, the financial pressure of patients can be alleviated. On the one hand, hospitalization expenses can play a certain role in subsidizing, on the other hand, they can't go to work normally because of serious illness, so some of their income losses will be compensated.
3. The coverage of outpatient and emergency services before and after hospitalization is small.
In the reimbursement of outpatient and emergency expenses, the reimbursement of premium insurance 202 1 is 7 days before hospitalization and 30 days after hospitalization. From initial diagnosis and follow-up to diagnosis and hospitalization, it is not enough to ensure only 7 days before hospitalization.
At present, there are many good medical insurance products on the market that can reimburse the expenses for 30 days before and after hospitalization. This product is not very good compared with Youbao 202 1.
After reading the above contents, we can analyze that Fosun Premium Insurance 202 1 is relatively comprehensive compared with similar products, and the premium is lower than most similar products on the market. This is a cheap and good product. In addition, focusing on protecting children's diseases is also a major feature of this product.
However, it should be noted that the product does not guarantee renewal, and the insured may face many problems such as product suspension or insurer's failure to pass the examination. Mind that small partners in this area can choose other products that can guarantee renewal.
Write it at the end
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