How about giving everyone millions of medical insurance? 1. Insurance standard: The age of the insured is 28 days to 60 years old, which can be extended to 80 years old at most. Guarantee period 1 year, general illness waiting period of 30 days, deductible 1 ten thousand yuan.
2. Expense reimbursement category: The outpatient type of reimbursement hospitals is Class II and above public 3A hospitals or designated medical institutions recognized by insurance companies, and expense reimbursement category is not included in the scope of medical insurance. The reimbursement rate of medical insurance is not only 60% of the expenses covered by personal social security but not reimbursed by social security, but also 100% of others.
3. The insured amount of general medical expenses is RMB 6,543.8+0,000 yuan, and it is free of compensation if it exceeds RMB 6,543.8+0,000 yuan every year.
4. The maximum insured amount of cancer medical expenses is more than 2 million yuan, and there is no deductible.
5. Personalized service: a green link in cancer treatment
How does everyone benefit from millions of medical insurance?
1. The scope of expense reimbursement is improved, and the scope of social security is limited. Domestic drugs, imported drugs and self-funded drugs that cannot be reimbursed by personal social security can be reimbursed. In addition, unique outpatient expenses, radioactive expenses, analysis expenses and chemotherapy expenses can all be reimbursed.
2. The protection of major diseases is extremely strong. This product has a very strong guarantee for cancer, not only with a guarantee of 2 million yuan, but also provides cancer registration and appointment service, outpatient teacher escort service of China Cancer Hospital, and secondary diagnosis service of domestic authoritative experts. Give a comprehensive and powerful guarantee to patients with tumor diseases.
3. Guarantee the renewal premium rate. This product ensures that the insured will not adjust the interest rate independently because of the decline of physical and mental health or compensation. The renewal interest rate is mainly affected by the insured's age, medical expenses and commodity management.
The defects of this product are also obvious: 1. Does not include the guarantee of proton heavy ion treatment. Proton heavy ion therapy is the most effective method to treat tumors at present, with the least adverse reactions. However, this product does not include the guarantee of this treatment, but only guarantees the general radiotherapy and chemotherapy of tumors, which is not friendly to the beneficiaries with tumor-related diseases.
2. Personalized services excluding medical expenses prepayment. Consumption first is a basic personalized service that most people in the same industry have at present. Paying for prepaid services can ensure that beneficiaries must pay for medical expenses at home in an emergency.
3. The regulations on health notification are not loose and strict. The health notification of this product will know the conclusion of the beneficiary's health examination in the past year, whether she is pregnant or not and many other issues.
In short, although the insurance cost of this product is relatively low, the protection is not comprehensive and the renewal standard is not friendly, so the cost performance is not very high, so it is not recommended to buy it.