Seeing that friends are so eager for new products, the seniors can't slack off. Now Fuxing United has launched a million medical insurance product in the market, named Youbao 202 1 10,000 medical insurance. I heard that the premium of this insurance is very cheap, and 16 value-added service has been set up for users. Are there really such cheap and easy-to-use products?
If you are curious, let's explore the secret of this medical insurance with your senior sister.
1. What is the coverage of premium insurance 202 1 10,000 medical insurance? Is it worth buying?
First of all, I will bring you a product evaluation chart of premium insurance 202 1 10,000 medical insurance:
From this picture, we can see that Fosun Premium Insurance 202 1 is aimed at people under 60. In the market, the age of most mainstream medical insurance is the same. In the insurance profession, 1-4 occupational groups can be insured. 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, cancer special medical care, and also provides 16 value-added services such as medical green link, expert consultation and advance payment of hospitalization deposit.
Moreover, in the optional liability, in order to further supplement the protection of children's groups and improve the practicability of children's insurance, there are many choices in the optional liability, including children's vaccination allowance, children's general accidental injury allowance, and children's specific serious illness insurance.
Generally speaking, the guarantee of this product is still very comprehensive, so is it reliable for us to buy this product? Let's first understand its advantages and disadvantages.
1 advantages and superior guarantee 202 1
(1) deductible is optional.
This product is divided into two insurance plans because of the different deductibles. The deductible line for general medical treatment in Scheme I is 0.5 million, while that in Scheme II is 1 10,000, which seems to be a difference of 5,000 yuan.
Maybe you think the gap of 5 thousand is not far away. It is easy to see from the relevant data provided by the information company letter that in 20201-July, 6707.4 is actually the per capita hospitalization expenses of secondary public hospitals. If it can be reimbursed by medical insurance, then the remaining self-funded project costs are likely to be even 5000 yuan. So for medical insurance, the deductible is 1 000 yuan.
The deductible of many medical insurance products available now is around 1 1,000 yuan, and the setting of excellent insurance 202 1 will provide consumers with more choices. If some friends still think the deductible is useless, please read this article quickly:
How to understand the deductible? Is the standard of deductible as little as possible?
(2) Provide more practical optional responsibilities and value-added services.
Superior Insurance 202 1 provides three optional responsibilities for children, including children's extra vaccination allowance, children's general accident allowance and children's specific serious illness insurance, which improves the practicability of children's insurance and can be said to be more practical.
Although the amount paid every day and the types of children's special disease insurance benefits seem to be the same, they are all paid to 200 yuan every day, 18 kinds, scheme I is 5000 yuan, scheme II is 10000 yuan. The compensation for the three items is actually not much, 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. As long as you pay a low price, you can enjoy advanced service content, and you can't find such good things anywhere!
Senior, I still want to remind you that more value-added services can't bring you more benefits. Some questions need to be careful:
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. Compared with other similar products on the market, this premium is still relatively cheap. You know, under the same insurance conditions, the exclusive E student with high cost performance is 202 1 308 yuan/year.
It is not only fully guaranteed, but also very cheap. Skeptical friends may wish to take a look at this comparison table of medical insurance products on sale in the market:
Super full! China Volkswagen Million Medical Insurance Comparison Table
I understand that some friends here may be eager to start this 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.
Premium insurance 202 1 10,000 medical insurance is a short-term medical insurance with a term of 1 year. It is clearly stated in the clause that the product is not guaranteed to be renewed, that is to say, if the insurer does not agree to renew the warranty or the product is discontinued, the warranty will not be renewed next year. In this way, security is unstable in the long run.
As my senior sister said before, in terms of choice, we try to choose products that are not affected by our health and have a history of claims. During the warranty renewal period, the warranty can be renewed no matter what happens to the car body and whether there is a claim or not. Even if the product is removed from the shelf, it can be replaced with a new one. At present, the longest warranty renewal period can be as long as 20 years.
2. Insufficient hospitalization allowance for serious illness.
Many excellent medical insurance now comes standard with hospitalization allowance for serious illness. When a serious illness is unfortunately diagnosed, if you buy hospitalization insurance for serious illness, the insurance company will pay according to the daily hospitalization allowance agreed in the contract, which can protect its own interests. Medical records, diagnosis certificates and discharge certificates are necessary documents for patients to claim compensation from insurance companies.
This makes the patient's pressure a little less economically. On the one hand, hospitalization expenses can play a certain role of subsidy, on the other hand, because of serious illness, they can't go to work normally, making up for some income losses.
3. The coverage of outpatient and emergency services before and after hospitalization is small.
In the reimbursement of outpatient and emergency expenses, 7 days after hospitalization is the reimbursement standard of Youbao 202 1. It is a long process from initial diagnosis, follow-up, diagnosis to hospitalization, and it is impossible to complete these processes only seven days before hospitalization.
At present, there are many good medical insurance products on the market, which can reimburse the expenses from 30 days before hospitalization to 30 days after hospitalization. Such a superior guarantee 202 1 is not very good.
Through the above analysis, it is not difficult to see that Fosun Premium Guarantee 202 1 is comprehensive, needless to say, compared with most similar products on the market, it is a rare and inexpensive product. In addition, this product has a major feature, focusing on protecting children's diseases.
However, this product is not guaranteed to be renewed, and the buyer may face the situation that the product is discontinued or the insurer fails to pass the audit. If the small partners care about this, it is recommended to give priority to other products.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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