First, the contents of Hongchuang Million Care Medical Insurance are revealed!
As a new product, it is really not easy to find its relevant information. After studying the relevant rules and regulations, Senior Sister made a security map for everyone:
I believe that after reading the protection map, more than half of my friends are still confused about whether this product is excellent or not. Let's reveal the advantages and disadvantages of this insurance directly!
1, advantages
(1) Guaranteed renewal for 3 years.
Millions of medical insurance covers a period of one year. If you don't guarantee renewal, you may not be able to renew your insurance due to changes in your physical condition or claims.
However, Hongchuang million care medical insurance is guaranteed to be renewed for three years, and the conditions for renewal are excellent. Once insured, there will be no problem of lack of medical insurance within 3 years ~
But now there are many products on the market with better update conditions. For example, Ping An Insurance Company has a medical insurance that can be renewed for 20 years. Consumers who want to renew their insurance can read the following for more information:
Ping an e life insurance long-term medical treatment has these defects!
(2) Enjoy the insured amount and increase the rights and interests
At the end of a guarantee renewal period, the insured amount of Hongchuang Million Care Medical Insurance can be increased on the basis of 10% of the initial insured amount of various medical insurance benefits, and the insured amount can be increased by up to 50% on the basis of the original amount.
Assuming that the insured amount is 4 million, the insured amount can be increased by 400 thousand after a guarantee renewal period; After continuous renewal, the maximum coverage you can get is 6 million!
This method of getting higher insurance coverage without spending much money is very popular with everyone! It's like giving back to old users and getting an extra 400 thousand each time. It's really awesome!
It is worth noting that the proton heavy ion medical expenses for malignant tumors are not included, and the annual reimbursement limit has not been raised.
2. Deficiencies
(1) There is something fishy about the waiting period.
The insurance company won't settle claims when the insured is in danger during the waiting period, so the shorter the waiting period, the faster the guarantee will be obtained and the more benefits will be brought to everyone.
The waiting period of Acer Million Care Medical Insurance is flawed, so the waiting period for choosing general medical care is 30 days. If this responsibility is not selected, it is a waiting period of 90 days!
If you don't see the content of this clause clearly, you will only be insured if you have to choose the responsibility. It's too late to regret the loss during the waiting period!
You know, the waiting period of most excellent medical insurance on the market is only 30 days. In contrast, Hongchuang Million Care Medical Insurance lasts over 60 days! Then the probability of waiting for danger is relatively much higher!
Therefore, in order to prevent all of us from suffering losses while waiting, this article takes a look:
The insurance company will not pay for the accident during the waiting period? If you don't understand, you will suffer a big loss!
(2) Don't bring your own general medical insurance.
Hongchuang million care medical insurance, the only compulsory responsibility is malignant tumor medical insurance. This means that only by spending more money when buying can we enjoy more protection.
Most of the same type of medical insurance in the market can cover general medical care. In addition to malignant tumor liability insurance, medical insurance can also cover dozens or even hundreds of serious diseases.
For most people, minor illnesses such as relatively malignant tumors, fever and colds are more common. Hongchuang million care medical insurance did not set the basic protection that most people need, which made many friends feel disappointed!
Hongchuang Wanhu Medical Insurance is really not good in this respect. If you want to perform well, you should refer to other people's excellent products:
Ten million medical insurance rankings are freshly released!
Second, we must pay attention to these key points before buying millions of medical insurance!
Millions of medical insurance products have emerged in the market. If you want to choose a good million medical insurance, you must pay more attention to these problems!
1. Basic guarantee
To become a qualified medical insurance of one million yuan, it must include four basic guarantees: hospitalization expenses, special outpatient expenses, outpatient surgery expenses and outpatient and emergency expenses before and after hospitalization.
2. Conditions for renewal of insurance
Since the million-dollar medical insurance only covers one year, it is very important to renew the insurance. If you insure a product without a renewal guarantee, this guarantee will usually be re-examined at a later stage. If your physical condition changes or you have received compensation, you may not be able to renew your insurance.
So when we buy insurance, we should keep it in mind and try to choose millions of medical insurance products with stable renewal conditions. I suggest you focus on those medical insurance products that can guarantee renewal. At present, the excellent million medical insurance on the market can guarantee the renewal of insurance for 20 years.
3. Value-added services
Generally speaking, a good million medical insurance has value-added services, which are very practical and have many benefits for medical treatment.
In terms of value-added services, I have a suggestion: it is best to equip green medical channel, advance medical expenses and proton heavy ions. Of course, the more other value-added services, the better, because more value-added services will bring more benefits to consumers.
Generally speaking, this product is comprehensive in cancer protection, but not so good in other aspects.
Friends who want to buy millions of medical products can choose another one, and you can match more excellent products ~
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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