There are many bugs in medical insurance. If the exemption is unreasonable, all other products will be paid, and this product will not be paid. Another example is the lack of arms and legs in the content and form of guarantee, or the inability to fight against these in the reliability of renewal.
So, what are the advantages and disadvantages of Meiya Mengbao No.2 children's medical insurance? Look at the little details that deserve attention. As long as you can accept its defects, you will definitely consider it. Taking Meiya Mengbao No.2 children's medical insurance product as an example, the most important details to pay attention to depend on:
1, renewal is not a guaranteed product. It is 1 and 1 year. If there is a claim, you need to pay attention to whether you can renew your insurance in the second year;
2. Is the waiting period short? The waiting period of general medical insurance is only 30 days, and the medical insurance with adjustable interest rate and guaranteed renewal is generally 90 days. This is also the way of popular products, and Meiya Mengbao No.2 Children's Medical Insurance pays 50,000 yuan for major diseases at one time, with a waiting period of 90 days, and the waiting period for minor surgery for some diseases is 120 days;
3. The price is also high-end. Generally, children aged 0-5 earn more than 500 yuan a year, and children aged 65,438+000 earn more than 65,438+000 yuan a year, which is more cost-effective. The 0-year-old deductible version of this product 1080 yuan, and the 8- 15-year-old 950 yuan is relatively higher than the ordinary product.
Method 2: See if the selling point of the product is outstanding.
The selling point of medical insurance products lies in multi-obligation, economical and practical, intimate personalized service and universal protection. As far as Meiya Mengbao No.2 children's medical insurance product is concerned, the key advantages are as follows:
1, optional for flexography: it can be used as millions of medical insurance, or as a combination of micro-loan medical care and millions of medical insurance, which is divided into 0 deductible version number and 65438+100000 yuan version number, in which 0 deductible medical insurance is economical and practical;
2. Diversification of guarantee obligations: In addition to basic guarantees such as general medical care, medical care for major diseases, Internet medical expenses, proton heavy ion technology, and tumor subsidies, it is more convenient to pay an additional 50,000 yuan of tumor insurance in one lump sum, allowing cancer to seek medical treatment, offline promotion, and emergency hospital outpatient service;
3. Personalized service: including hospitalization advance, serious illness medical treatment, unlimited internet consultation, cancer specific medicine service, second expert consultation by authoritative experts, proton heavy ion medical treatment 1 time, and postoperative recovery nursing twice.
Is Ping An Polaris mid-range medical insurance worth buying? Method 1: See if the medical insurance of the product is comprehensive.
To distinguish whether medical insurance is worth buying, it is natural to pay close attention to the medical insurance of products. Not only the specific content of medical insurance should be further improved, but also the new items of medical expense reimbursement system can not be lacking. In addition, we should also pay attention to the personalized service of products to see how practical it is. Let's take Ping An Polaris mid-range medical insurance as an example:
1. Specific coverage: general medical care, major disease medical care and proton heavy ion medical care are all guaranteed. The insured amount can be 1.5 million, 1 12 million. In addition, the obligation to buy drugs can be increased to ensure all-round coverage.
2. New items in the medical expense reimbursement system: including hospitalization, minor surgery, special outpatient service, and hospitalization before and after hospitalization, and there is no shortage.
3. Personalized services: including personalized services such as medical green link, advance payment of medical expenses, MDT multidisciplinary consultation, genetic examination and postoperative diet. , are highly applicable.
Method 2: See if the product is outstanding.
There are many medical insurance products in the financial market. Without unique advantages, it is impossible to make a breakthrough in similar products. Looking at the highlights of medical insurance, we can pay attention to renewal standards, deductibles and special protection. Let's take Ping An Polaris mid-range medical insurance as an example:
1. Easy to purchase insurance: there are four protection schemes for this product. The credit limit, specific content and coverage of the protection plan are different, and the insured can also choose according to the protection requirements.
2. Wide coverage of medical treatment: The medical treatment scope of the special needs outpatient version of this product includes general department, special needs outpatient version, international department and VIP department of Grade II and above public 3A hospitals.
3.0 deductible limit: there is no deductible limit for hospitalization and medical treatment for major diseases, and the reimbursement cost is low.
The mid-range medical insurance value of Ping An Polaris is not worth buying, which is enough. I hope the unfinished business will help you.