Ping An e life insurance has been bought for more than a year, will it lose money when it dies?

eLife insurance is a million-dollar medical insurance with no liability for death.

Summary. The surrender process of Ping An e-Life Insurance is as follows:1

Apply to the insurance company for a surrender, for example, you can call the insurance company's customer service** to apply for a surrender. 2.To prepare the surrender materials, you need to prepare the policyholder's valid SFZ documents, insurance policies, premium payment certificates, and application for termination of the insurance contract, 3

Bring the surrender materials to the insurance company to go through the surrender procedures, 4The surrender money will be credited to the bank account designated by the policyholder within the agreed time.

Hello dear, I am glad to answer your answer to <>

Ping An e-Life Insurance can be surrendered if you regret it, and the full amount of the surrender premium during the hesitation period will be refunded without interest, and most of the premiums will be lost after the surrender of the hesitation period. The insurance period for their own safety is only one year, and the insurance fee is relatively inexpensive. After surrendering the policy, the insurance contract is terminated and the insurance is no longer available.

2.To prepare the surrender materials, you need to prepare the policyholder's valid SFZ documents, insurance policies, premium payment certificates, and application for termination of the insurance contract, 3Bring the surrender materials to the insurance company to go through the surrender procedures, 4

The surrender money will be credited to the bank account designated by the policyholder within the agreed time.

1.The deductible is 10,000, which is actually not the disadvantage of Ping An e-life insurance, most of the million medical insurance on the market is a deductible of 10,000, which is also a means for the insurance company to protect itself, otherwise there are too many insurances, and the insurance company may lose money. However, the deductible of Ping An e-life insurance is the cumulative amount of each year, which will be cleared at the end of each year and recalculated in the next year, which is also an insurance product with a deductible of 10,000 yuan for six years, such as a good medical insurance in Alipay.

2.There are conditions for renewal, although the highlight of the product is that the insurance can be renewed to the age of 99, but the terms also clarify the conditions for renewal, especially the article "when this product is discontinued, it can not be renewed", so it is very possible that Ping An e-life insurance will be discontinued in the future, but in this regard, the million medical insurance guaranteed to be renewed on the market should also be widespread.

3.There are restrictions on the scope of reimbursement, although it is mentioned in the advantages that the most advanced cancer targeting methods can be reimbursed, but there are certain requirements for the scope of targeted drugs, and the requirements must be within the scope of the State Food and Drug Administration's catalog to be insured. However, the reality is that there are a lot of cancer-targeted drugs that are not in the scope of this list.

In addition, the cost of organs during organ transplant surgery cannot be reimbursed, and the reimbursable wards do not include individual wards, family wards, etc.

4.The underwriting is still relatively strict, because the ** of Ping An e-life insurance is indeed relatively cheap, and the insurance amount is very high, at this time the insurance company has to calculate the risk, if there is too much insurance, or the loss will be more serious, so the health underwriting must be strict, like the common uterine fibroids, fibroids and other common ** diseases can not pass the underwriting, so it is more suitable for healthy individuals to choose insurance.

Ping An e-Life Insurance cannot be claimed under the following three circumstances:

1. If the medical expenses incurred by the insured during the waiting period, the insurance negotiation company will not be liable for the insurance;

2. If the insured does not truthfully inform the health status, the insurance company will verify the health notice at the time of insurance.

3. If the exemption content stipulated in the contract is denied, the compensation will be refused, such as: the policyholder's intentional killing or intentional injury to the insured, the insured's fighting, drunkenness, active drug use or injection, etc.

Ping An's e-life insurance is Ping An of China.

One of its products is a mid-to-high-end hospitalization medical insurance, and if it is reimbursed, it is not limited to social security drugs and the number of deductibles. And it can be insured 28 days after birth, and the coverage period is one year, general medical treatment and malignant tumors.

All pay out 1 million.

Summary. Dear, the answer to this question is: it will take effect in 30 days.

After 30 days of purchase, Ping An e-life insurance will take effect after the waiting period.

Ping An Insurance Company's e-life insurance has a waiting period of 30 days, and there is no waiting period for accidents and renewals.

And dear, if you still have any questions that you don't understand, you can always ask me questions!

How long does it take for Ping An e-life insurance to take effect?

Dear, the answer to this question is: it will take effect in 30 days. After 30 days of buying it, it will take effect after the waiting period.

Ping An Insurance Company's e-life insurance waiting period is 30 days, and there is no waiting period for accidents and renewals. And dear, if you still have any questions that you don't understand, you can always ask me questions!

Please ask if the e-life insurance purchased by Ping An expired yesterday, can the premium be renewed today? Is there a waiting period?

The insurance waiting period refers to the period during which the beneficiary cannot get the insurance claim code within the specified period when the insurance contract is in effect, even if an insured accident occurs. The purpose of the waiting period is to prevent the policyholder from taking out insurance immediately knowing that an insured event is about to occur. The waiting period for Ping An e-life insurance is 30 days, and there is no waiting period for accidents and renewals, which means that after you have purchased the insurance, after 30 days, the waiting period of the insurance will take effect.

If it is only due for one day, the premium can be renewed, and there is no waiting period for renewal.

It's an e-life insurance that I bought on May 14 last year, and I forgot to renew it yesterday, can I still make it up today? f

Ok thanks.

If you can make up the premium today, you should contact Ping An Insurance Company as soon as possible to make up the premium. Ping An e-life insurance, the insurance age of this product is 0-50 years old, the insurance year is narrow, the waiting period is 30 days, the renewal is guaranteed for 6 years, and the renewal does not need to be reviewed during the renewal period.

If you are one day late, there is no waiting period, right?

Yes, there is a grace period of three days, and one day late is also a normal renewal without a waiting period.

Shown is re-insured.

What to do. You contact your original insurance salesman and ask him to renew your insurance for you. It's not you who renew the policy.

Only the original insurance salesman, to help you renew the insurance is to renew the insurance, if you yourself on the platform to operate is a serious conversation, it will become a re-insurance. In this case, there will be a 30-day waiting period for the conversation.

Summary. Hello, Ping An e-Life Insurance, there is no serious illness compensation, but there are medical expenses for covered illness or accidental hospitalization. Ping An's e-life insurance has the following benefits:

1. Cover the medical expenses of illness or accidental hospitalization; 2. The medical expenses of the insured person who is hospitalized due to cancer; 3. If the policyholder is diagnosed with cancer, he or she can pay an allowance of 10,000 yuan and waive the remaining annual premium during the guaranteed renewal period; 4. Cover the outpatient and emergency expenses of the insured for 7 days before and 30 days after hospitalization.

Hello, Ping An e-Life Insurance, there is no serious illness compensation, but there are medical expenses for covered illness or accidental hospitalization. Ping An's e-life insurance has the following benefits: 1. Covers the medical expenses of illness or accidental hospitalization; 2. The medical expenses of the insured person who is hospitalized due to cancer; 3. If the policyholder is diagnosed with cancer, he or she can pay an allowance of 10,000 yuan and waive the remaining annual premium during the guaranteed renewal period; 4. Cover the outpatient and emergency expenses of the insured for 7 days before and 30 days after hospitalization.

That is to say, if you are insured with Ping An's e-life insurance, the insurance company can only reimburse the medical expenses if you have an illness and go to the hospital**. However, there is no serious illness compensation, if you suffer from a serious illness, but do not go **, and do not incur medical expenses, the insurance company will not compensate.

Ping An e-Life Insurance is a medical insurance product launched by Ping An Health Insurance Company, with a relatively low insurance threshold and a relatively high coverage amount. The policyholder is aged 28 days to 60 years old and can be renewed up to 99 years old. The insurance period is 1 year, which can be automatically renewed or actively renewed; The waiting period for insurance is 30 days.

It's still well worth buying. Commercial insurance is a supplement to social security and can be purchased if there are sufficient financial conditions. Ping An e-Life Insurance is a million-dollar medical insurance, which includes reimbursement of inpatient medical expenses for general diseases, outpatient and emergency services before and after hospitalization (7 days before and 30 days after hospitalization); Reimbursement of hospitalization medical expenses for malignant tumors, outpatient and emergency services before and after hospitalization (7 days before and 30 days after hospitalization).

The advantages of Ping An e-Life Insurance are that it has a premium waiver function, cancer or 10,000 yuan compensation, a 6-year guarantee renewal and support for Zhibu Lun Neng underwriting. The main disadvantage is that there is a shortage of protection, and there are individual limits and strict renewal conditions.

Social security coverage is wide, and there will be no denial of insurance, but the protection is relatively low, and it can only meet the basic protection needs. In the social security medical insurance, hospitalization can generally be reported 70%. And this 70% of the medical expenses is only after deducting the minimum payment standard.

Moreover, it is within the prescribed medication and prescribed items of social security. Many examination fees, expert diagnosis and treatment, and high-tech diagnosis and treatment technologies are not reported by social security. This needs to be accompanied by the necessary commercial insurance.

In addition, social security medical care is reported after discharge, and the critical illness insurance in Tongluo, commercial medical insurance, can be paid for after diagnosis, which can remedy the dilemma of many families who have no money to treat.

Summary. Hello dear, happy to answer your <>

Ping An e-life insurance can be renewed after getting sick, Ping An e-life insurance is a million medical insurance, and it can be renewed in the event of a claim, ensuring that the insurance company will not affect the renewal of the insurance within 6 years due to health status and claims; The non-guaranteed renewal version needs to pass Ping An's intelligent underwriting system, and the insurance can be renewed if it is passed, but it cannot be renewed.

Can Ping An e-Life Insurance be renewed after getting sick?

Hello dear, happy to answer your <>

Ping An e-life insurance can be renewed after getting sick, Ping An e-life insurance is a million medical insurance, and it can be renewed in the event of a claim, ensuring that the insurance company will not affect the renewal of the insurance within 6 years due to health status and claims; The non-guaranteed renewal version needs to pass Ping An's intelligent underwriting system, and the insurance can be renewed if it is passed, but it cannot be renewed.

Ping An e-Life Insurance 2022 reimbursement deductible of 10,000 yuan and 5,000 yuan is optional, and the excess part is fully reimbursed, including surgery fees, imported drugs, self-paid drugs, nursing drugs, bed fees, hospital meal expenses, ambulance use fees, diagnosis and treatment fees, and examination fees. The product form of Ping An e-Life Insurance 2022 is based on the upgrade of Ping An eHealth Insurance 2020, compared with the previous version, Ping An eHealth Insurance 2022 includes proton heavy ion medical treatment and out-of-hospital special drugs, and expands the number of out-of-hospital special drugs to 105.