So is this product good or not? Dad slowly analyzes for you:
I. Upgrade comparison 1. Overseas medical insurance for cancer (optional)
This responsibility is dispensable, the reimbursement rate is 70%, and the medical expenses can be up to 2 million.
2.？ COVID-19 security.
As long as the insured is diagnosed as COVID-19's serious illness, he can get a one-time compensation of 6,543,800 yuan. Even in this epidemic, as long as the diagnosis requires treatment, the cost will be borne by the state, but the lack of income caused by the disease and the follow-up rehabilitation problems need to be paid out of their own pockets. The responsibility of good medical insurance and long-term medical care 2020 is quite good, and it will pay 65438+ 10,000 yuan immediately after the diagnosis of serious state.
3.？ Health notification adjustment
In the health notification of Good Medical Insurance Long-term Medical Care 2020, the corresponding health notification was adjusted according to age and gender. Good medical insurance is stricter than the old version, but it is still relatively loose compared with the popular million-dollar medical insurance.
4.？ Conditions for renewal of insurance
Good medical insurance Long-term medical insurance will be renewed for 6 years in 2020, and the maximum renewal can be 100 years old. If the insured has made claims or has abnormal physical condition after insuring the product, the insurance can still be renewed. Moreover, after the product is discontinued, the insured can renew the new product without health notification, which is a relatively favorable renewal condition at present.
What you need to know is that on the page of Good Medical Insurance Long-term Medical Insurance, you can choose to renew your insurance automatically the next year: if you choose a friend who started this project, it will automatically renew your insurance for you and automatically deduct the corresponding premium.
Second, product comparison 1, if the pursuit of disease protection is complete: Zhongan enjoys e-life 2020.
Enjoy E-Health 2020 adds 12 1 rare disease protection, which further improves the coverage of proton heavy ions and is very comprehensive in protection.
What are the upgrades compared with the exclusive E-Student 202019? Dad has a detailed answer in this article: "Zhong An Xiang E Sheng 2020 in-depth evaluation, in-depth evaluation and analysis of Volkswagen Million Medical Insurance"
2. If the health notification is relaxed: good medical insurance long-term medical care 2020, micro-medical insurance long-term medical care 2020.
These two modes are relatively loose in health notification. Good medical insurance covers thyroid nodules, breast nodules, and 2020 1 grade hypertension.
However, both micro-medical insurance and long-term medical care 2020 can be covered normally, except for the protection of three yang, high blood pressure (taking medicine above grade 2) and so on.
3. If you pursue long-term renewal: Fosun beyond insurance, micro-medical insurance for long-term medical care, good medical insurance for long-term medical care, Ping An E Life Insurance Renewal Edition 2020.
These four products are guaranteed for 6 years. Compared with the general one-year million medical insurance, they have some advantages in terms of renewal conditions.
Dad concluded: In dad's view, the biggest highlight of the upgraded good medical insurance long-term medical insurance 2020 is that health notification depends on the age and gender of the insured, which is very humanized.
However, in terms of basic protection, it is not much different from the current mainstream products.
I hope it helps you!
Source: insurance knowledge dry goods integration