Is it true that the micro medical insurance million medical insurance is like this year s coronaviru

Now the latest version is Micro Medical Insurance 2020, which has added value-added services for international second diagnosis and treatment compared with Micro Medical Insurance 2019, but there is no change. The guarantee content is still very advantageous and the cost performance is good. About the collection of millions of medical insurance:

"The list of million medical insurance is updated, there is always one for you".

Let's take a look at the specific coverage content:

Basics. 1.Safeguard Liability

1.General inpatient medical care

There is a medical limit of 3 million, a waiting period of 30 days, and a deductible of 10,000 years.

Only those who exceed the deductible can apply for a claim, but unfortunately you cannot choose a 0 deductible.

2.Critical illness medical treatment

100 major diseases have been agreed upon, and medical expenses arising from ** agreed diseases will be reimbursed, with a limit of 6 million, 0 deductibles, and a waiting period of 30 days.

3.Purchased medical insurance benefits for tumor specific drugs

There is a reimbursement line of 6 million, covering all anti-cancer drugs that have been marketed and synchronized in real time, which is very practical for cancer patients.

However, if you want to be reimbursed, you need to meet the following conditions:

Regarding the compensation ratio of the above three liabilities:

1) General medical treatment and critical illness: 100% reimbursement; However, if you participate in the insurance as a social security person and do not use social security for reimbursement, 60% of the compensation will be paid;

2) Tumor special drugs: 100% compensation, but 60% of the compensation will be paid if the applicant is insured as social security and has not used social security for reimbursement;

3) Proton heavy ion: 60% of the payout.

4.Critical Illness Hospitalization Allowance Benefits

There is a subsidy of 100 yuan for hospitalization due to critical illness, no deductible days, and a maximum of 180 days per year.

5.Optional liability (additional money add-on).

Designated disease special medical insurance premium: the limit is 6 million, the compensation ratio is 100%, and the bed fee is limited to 1,500 yuan per day.

The conditions for reimbursement are almost the same as those for most special medical treatments, and the types of diseases specified for special medical care are as follows:

Designated diseases for special medical treatment.

Malignant tumor overseas medical insurance premium: the limit is 2 million, the compensation ratio is 70%, and the waiting period can only be covered after 90 days, which is 60 days longer than the general liability.

It should be noted that after overseas medical treatment has made a claim, it cannot be added, and the renewal conditions are more stringent.

5.Value-added services

Among them, the International Second Opinion service is the latest expansion, which mainly serves the insured who is diagnosed with a critical illness to obtain more professional international diagnosis results and ** plans.

Alipay's good medical insurance is always compared with each other, you can see here:"Micro Medical Insurance 2020 Compares Good Medical Insurance 2020, Strong Comparison Evaluation! 》

In recent years, it is not uncommon to buy insurance on WeChat and Alipay, with a wide range of products and great competitiveness. However, there is a product that has come out of WeChat that can be described as a new Internet celebrity, and it is micro-medical insurance. Friends who want to buy micro-medical insurance look here:

Micro Medical Insurance 2020, I have to say two words to you.

1. Basic guarantee

As a one-year medical insurance, the specific protection of Micro Medical Insurance 2020 is as follows:

General hospitalization: reimbursement of medical expenses incurred in general hospitalization, with an insured amount of up to 3 million.

Critical illness medical treatment: 100 major diseases are agreed to reimburse the medical expenses arising from the ** agreed diseases, and this part of the insurance amount is up to 6 million.

In addition, Micro Medical Insurance 2020 also has a critical illness hospitalization allowance, which provides a daily subsidy of 100 yuan and can be paid for up to 180 days per year.

2. Renewal conditions

The contract period of long-term medical insurance is 6 years, and once you buy it, you will be directly guaranteed for 6 years, and the premium will remain unchanged for 6 years.

The issue of renewal has always been a hurdle that medical insurance cannot pass, after all, the health notice of medical insurance is strict, and if there is a small problem with physical health in the future, it is really impossible to insure!

Therefore, medical insurance that can guarantee renewal is generally a more cost-effective and more worthy of consideration. Below I have sorted out all the products with good renewal conditions on the market:Top 10 Medical Insurance Points for Guaranteed Renewal**

3. Deductible

The initial deductible of micro-medical insurance is 10,000, and if the insurance is not insured within two years after insurance, it can be reduced by 1,000 per year, and the minimum is reduced to 8,000, and once the insurance is out, it will be restored to 10,000.

Although 8,000 or 10,000 doesn't feel much worse, it's better than nothing, and it's still an advantage for healthy people.

Summary. Hello dear, WeChat million medical insurance is real, but you need to be cautious when applying for insurance. The million-dollar medical insurance launched on the WeChat platform is not underwritten and operated by Tencent, and whether the product is reliable or not needs to be screened by the policyholders themselves.

Therefore, you must not be blind when applying for insurance, and you also need to apply for insurance according to your actual situation.

WeChat million medical insurance is a product underwritten by Taikang Life, the insurance age limit is 30 days to 60 years old, the maximum renewal age is up to 100 years old, occupational restrictions can be underwritten except for high-risk occupations, the insurance period is as long as 6 years, the underwriting conditions are relatively relaxed, and most people can underwrite.

The coverage includes up to 2 million general medical benefits, 100 critical illness cancer medical benefits up to 2 million yuan, 100 critical illnesses and cancers (0 deductible), proton heavy ion**, critical illness hospitalization allowance of 100 yuan per day (180 days), and emergency services for 7 days before and after 30 days of hospitalization.

The underwriting method of this product is intelligent underwriting, and the renewal conditions are relaxed, and people in need can apply for insurance.

Is Micro Medical Insurance Million Medical Insurance Real?

Hello dear, WeChat million medical insurance is real, but you need to be cautious when applying for insurance. The million-dollar medical insurance launched on the WeChat platform is not underwritten and operated by Tencent, and whether the product is reliable or not needs to be screened by the policyholders themselves. Therefore, you must not be blind when applying for insurance, and you also need to apply for insurance according to your actual situation.

WeChat million medical insurance is a product underwritten by Taikang Life, the insurance age limit is 30 days to 60 years old, the maximum renewal age is up to 100 years old, occupational restrictions can be underwritten except for high-risk occupations, the insurance period is as long as 6 years, the underwriting conditions are relatively relaxed, and most people can underwrite. The coverage includes up to 2 million general medical benefits, 100 critical illness cancer medical benefits up to 2 million yuan, 100 critical illnesses and cancers (0 deductible), proton heavy ion**, critical illness hospitalization allowance of 100 yuan per day (180 days), and emergency services for 7 days before and after 30 days of hospitalization. The underwriting method of this product is intelligent underwriting, and the renewal conditions are relaxed, and people in need can apply for insurance.

Thank you for your consultation, I hope the above information is helpful to you.

Here are just two points.

Micro Medical Insurance 2020 Million Medical Insurance cannot be guaranteed to be renewed, and each policy can only cover one yearHowever, rates will not be adjusted or renewals will not be refused individually due to abnormal health conditions or historical claims history

If you're worried that you won't be able to buy your favorite million-dollar medical insurance through health notification, here's a must-have guide to health notification, don't miss it:What are the tips for health notification when applying for insurance?

The health notice of the million medical insurance of micro-medical insurance is relatively relaxedProvide intelligent underwriting functionThe underwriting conclusion can be obtained immediately for physical health abnormalities, which is a more humanized design.

For example, the latest additionsInternational Second Opinion Service, mainly to serve the insured who is diagnosed with a critical illness to obtain more professional international diagnosis results and ** solutions.

Finally, by the way, in addition to the million-dollar medical insurance of micro-medical insurance, there are on the marketThere are also many more cost-effective

I have done a comparative evaluation of Micro Medical Insurance 2020 and other popular million medical insurance in China, and friends who want to know more can take it themselves:Comparison table between micro-medical insurance and domestic popular million-dollar medical insurance!

There is no basis for words, and then according to the evaluation**, let's unveil the true face of this product together:

The biggest highlight is that the general hospitalization medical insurance coverage is high3 million, and the critical illness medical coverage is high, including 100 diseases, up to6 million, 0 deductible.

This is definitely a very good compensation in the market, and under normal circumstances, this insurance amount ** disease is more than enough.

At the same time, general inpatient medical care and critical illness medical care include inpatient medical expenses, special outpatient and hospitalization7 days before and 30 days after thatoutpatient and emergency expenses, but there are many excellent products that include30 days before and 30 days after that

And proton heavy ion medical expenses are only reimbursed, compared to Alipay's other million-dollar critical illness insuranceFrom these perspectives, it seems that Micro Medical Insurance 2020 is inferior.

In addition, the micro-medical insurance 2020 includes the international second opinion service, and the insured can apply for the international second opinion service if he suffers from the agreed 100 kinds of critical illness diseases.

It's equivalent to sayingYou can get more professional diagnosis and treatment results and a clearer planThis is done very humanely.

In general,Micro Medical Insurance 2020 is not a fairy product, there are big highlights, there are also disadvantages! If you want to know more about it, you may want to take a look at this in-depth review:Micro Medical Insurance 2020, I have to say two words to you.

Don't talk nonsense, go straight to the essence picture:

Micro-medical insurance 2020 covers general hospitalization, critical illness hospitalization, special outpatient treatment, pre- and post-hospitalization outpatient emergency protection, in addition to critical illness hospitalization allowance, which can be reimbursed for purchased drugs, proton and heavy ions can also be reimbursed, and value-added services such as critical illness green pass, anti-cancer special drugs, and hospitalization deposit advance are also done very sincerely. Let's take a look at how Micro Medical Insurance 2020 compares to other products:Comparison table between microinsurance and domestic popular million-dollar medical insurance

Its highlight is the high sum insuredThe general hospitalization medical insurance amount is as high as 3 million, and the critical illness hospitalization medical insurance amount is as high as 6 million, which is the best annual insurance amount among similar products, and it is generally not used up! However, only 60% of the proton heavy ion** cost will be reimbursedMany million medical insurance plans are 100% reimbursed.

Overall,Micro Medical Insurance 2020 has comprehensive overall protection, preferential premiums, and good cost performance, which is a million-dollar medical insurance worth considering. But there are still many excellent million medical insurance on the market, you can take a look at it before you buy it:Top 10 Hot Million Medical Insurance Freshly Released!

The subject asked if it could be trusted, in fact, I didn't know much about this product, and today I will tell you about it. Let's take a look at the comparison between micro-medical insurance and popular medical insurance, what level is itComparison table between micro-medical insurance and domestic popular million-dollar medical insurance!

Then I'll analyze the product of micro-medical insurance next, and look at the picture first:

General hospitalization medical insurance amount: 3 million, deductible of 10,000 yuan per year.

Critical illness medical coverage: 100 diseases, 6 million, 0 deductible.

Among them, general inpatient medical care and critical illness medical care include inpatient medical expenses, special outpatient and outpatient emergency expenses for 7 days before and 30 days after hospitalization.

Wide range of insurance ages:You can apply for insurance up to 65 years old, and relatively speaking, medical insurance up to 65 years old is relatively rare.

Comprehensive Coverage:General medical care, critical illness medical treatment, special outpatient services, critical illness hospitalization allowances, etc., and anti-cancer special drugs have relevant provisions, which are reasonable and well-founded, and are more beneficial to consumers. At the same time, overseas medical treatment for malignant tumors and special medical treatment for 5 special diseases can be added according to needs.

Purchased Drug Coverage:For cancer, the cost of specific drugs prescribed by doctors outside the hospital can also be reimbursed, and the protection is more comprehensive.

However, there is a problem that needs special attention in Micro Medical Insurance 2020, that is, whether it is the first purchase or subsequent renewal, it is requiredAfter the waiting period of 90 days, the claim can be made normally。And a certain liability has been paid out of insurance, and this liability cannot be renewed later.

Overall, Micro Medical Insurance 2020 is a good million-dollar medical insurance, real and reliable. If you feel that this product can't meet your needs, then you can also look at others, such as the ten medical insurances I have counted, which are all cost-effective products worth buyingThe top 10 million medical insurance rankings are newly released!

Micro Medical Insurance 2020 and Top 10 Million Medical Insurance Points!

Let's analyze what are its highlights and shortcomings:

1. Highlights

100 types of critical illness medical insurance benefitsThe maximum payout is 6 million, the amount is relatively high in ordinary million medical care.

Critical illness hospitalization allowance insurance 100 yuan per day, with an extra layer of protection, the protection is stronger.

A number of value-added services: Rapid medical treatment for critical illness, advance payment of medical expenses, anti-cancer specific drug services, international second opinion services, etc., with a variety of insurance contents.

2. Insufficient

Poor renewal conditionsThe insurance period is only one year, and it may face the risk of stopping sales and not being able to renew the policy at any time.

Micro Medical Insurance 2020, I have to say two words to you.

The insurance age requirement is between 30 days and 65 years old, which is similar to the age range of mainstream medical products. Although the 2020 million medical insurance coverage period of micro-medical insurance is 1 year and cannot be guaranteed to be renewed, it can be renewed up to 100 years old, and the insured occupation is only limited to high-risk occupations, and the overall insurance requirements are relatively relaxed.