Zhongan Million Medical Insurance is a million medical insurance launched by Zhongan Insurance Company.
1。 Zhongan Million Medical Insurance is a series, which mainly enjoys E Million Medical Insurance.
2。 Guaranteed age range: anyone up to 70 years old can be insured.
3. Responsibility for support, in addition to basic support, also provides specific equipment consumption, and upgrades and adds four items that must be supported:
4。 The medical deductible line for serious illness has increased the consumption of special equipment for malignant tumor (female) 1 10,000, the reimbursement of special equipment for malignant tumor 100%, the reimbursement of special drugs for rare diseases for minors 1 10,000, and the reimbursement of special equipment for minors 1 10,000.
5。 3 Value-added services: Enjoy green medical access and medical expenses in advance, and enjoy worry-free service for chronic diseases.
6. Renewal conditions: the insurance period of this product is one year. Although the insurance can be renewed up to the age of 105 at the longest, it is not supported by continuous insurance and needs to be reviewed every year. Therefore, the change of the insured's health status or historical claims may affect the renewal of insurance, and there is still the risk of product suspension.
1. What is millions of medical care?
Million medical insurance is a kind of medical insurance, which is used to reimburse medical expenses. Similar to social security, it is also a supplement to social security. Generally, it does not include social security reimbursement, excluding deductible of 65438+100000 yuan. The rest of the outpatient, emergency, hospitalization, surgery, nursing, medicines, various inspection fees and other expenses can be reimbursed by the insurance company.
Second, what is the comparison of millions of medical insurance companies?
1, Ping An Health E Life Insurance (Guaranteed Renewal Edition 2020)
Electronic health insurance (guarantee renewal version 2020) covers 2 million general medical care and 2 million cancer medical care, and emergency treatment is provided 7 days after hospitalization.
The highlight is product sales, and the claim is guaranteed to be renewed for six years. Physical problems will not affect the renewal.
After the expiration of the 6-year guarantee period, the re-insurance within 60 days will not be refused because of claims and good health.
When cancer is diagnosed for the first time, an allowance of 1 1,000 yuan can be paid, and the premium for the remaining value years during the renewal period can be exempted. It is considerate that the contract can continue to develop effectively.
Compared with the old version, the third-party clause green medical and cancer treatment in the 2020 version is more favorable.
2. China People's Insurance Company keeps medical insurance.
This software product is designed with a general social medical insurance coverage of 2 million and a maximum coverage of 4 million for serious illness.
6-year guarantee renewal, renewal is not audited.
Most medical insurance has a deductible of 10000 every year. A good medical insurance will share the deductible of 10000 within 6 years, which will reduce the difficulty of claim settlement.
In terms of hospitalization allowance system for serious illness, good medical insurance can directly set up a subsidy of 1 10,000 yuan after the diagnosis of serious illness, which is very simple and generous.
3 Taikang Life Micro-medical Insurance 2020
The product's general medical insurance coverage is as high as 3 million, and the critical illness medical insurance coverage is 6 million. This annual report is the best of its kind.
In addition, there will be a small medical insurance hospitalization allowance for serious illness in 2020. The subsidy of 100 yuan per day shall be paid at most 180 days per year, without deducting the limit. It is equivalent to receiving the highest hospitalization subsidy of 18000 yuan.
Compared with the 20 19 version of the system, the value-added services of the second international diagnosis and treatment are added to the micro-medical insurance 2020, and other security and price factors remain unchanged, that is, the quantity increase and price increase do not increase.
The outsourcing of specific drugs is guaranteed, and for cancer, the management fee for specific drugs prescribed by doctors outside the hospital can also be increased. Five special medical diseases can also be treated overseas for additional cancer as needed.
Three, the characteristics of millions of medical insurance
Millions of medical insurance belongs to one-year short-term health insurance. As long as you pay a few hundred dollars a year, the form of reimbursement for illness and the medical expenses paid will decrease, and the maximum reimbursement can be more than 300 million to 6 million.
1. There is no restriction on the use of social security drugs: 100% of expensive imported drugs and self-funded drugs not covered by social security can be reimbursed.
2. Unlimited diseases: Millions of medical insurance can be reimbursed as long as the deductible is unlimited.
3. Whether it is targeted drug therapy for cancer, the money spent in ICU, or even advanced and expensive proton heavy ion therapy, it provides us with better medical resources.
I hope the above content can help you. If in doubt, please consult a professional lawyer.
Legal basis:
Article 16 of the Insurance Law of People's Republic of China (PRC)
When concluding an insurance contract, if the insurer makes an inquiry about the subject matter insured or the insured, the applicant shall truthfully inform him. If the applicant fails to fulfill the obligation of truthful disclosure stipulated in the preceding paragraph intentionally or due to gross negligence, which is enough to affect the insurer's decision to agree to underwrite or increase the premium rate, the insurer has the right to terminate the contract. If the right to terminate the contract stipulated in the preceding paragraph is not exercised for more than 30 days from the date when the insurer knows the reason for termination, it shall be extinguished.
If more than two years have passed since the establishment of the contract, the insurer shall not terminate the contract; In the event of an insured accident, the insurer shall be liable for compensation or payment of insurance benefits. If the applicant intentionally fails to fulfill the obligation of telling the truth, the insurer shall not be liable for compensation or payment of insurance premium for the insured accident that occurred before the termination of the contract, nor shall it refund the insurance premium. If the insured fails to fulfill the obligation of telling the truth due to gross negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance benefits for the insured accident that occurred before the termination of the contract, but shall refund the insurance premium. When concluding a contract, the insurer knows that the applicant has not truthfully informed it, and may not terminate the contract; In the event of an insured accident, the insurer shall be liable for compensation or payment of insurance benefits. An insured accident refers to an accident within the scope of insurance liability stipulated in the insurance contract.