How about good medical insurance, how about good medical insurance, how about good medical insurance

Is Million Dollar Medical Insurance Practical?

Xueba talks about insurance, focusing on insurance product evaluation! It is recommended that you take a closer look at this comparison table before purchasing a good health insurance:The domestic hot medical insurance competition

Good medical insurance is a series of insurance of Alipay Ant Insurance, which includes good medical insurance, long-term medical care, good medical insurance, hospitalization medical care, good medical insurance, critical illness insurance, etc. Among them, the best-selling is good medical insurance and long-term medical insurance, but there are still many people who don't know much about this product.

1. Is good medical insurance and long-term medical care the same as good medical insurance and inpatient medical care?

These two types of insurance are often mistaken. These two insurances are also million medical insurance, but they are underwritten by different companies, and the coverage content, protection terms, and insurance amount are different.

Good medical insurance and long-term medical care are underwritten by Chinese People's Insurance Co., Ltd., with a total insurance premium of 4 million yuan, and general disease and accident medical insurance benefits of 2 million yuan, guaranteed renewal for 6 years. There is no deductible for serious diseases, and for other diseases, a deductible of 10,000 yuan will be shared within 6 years.

The good medical insurance and hospitalization medical treatment are underwritten by Zhongan Insurance, with a total insurance benefit of 6 million yuan, and a general illness and accident medical insurance benefit of 3 million yuan, with no renewal guarantee. In terms of deductible, critical illness is 0 deductible, and other diseases are 10,000 deductible.

As for which one to buy, it depends on your personal needs. If you want to buy both, you can also do it, no conflict.

2. Is good medical insurance and long-term medical care reimbursable as long as you are hospitalized?

Good medical insurance, long-term medical insurance, and good medical insurance, hospitalization medical insurance are both reimbursement insurance. But don't think this, you can be reimbursed as soon as you are hospitalized, this is only possible if you pass the deductible. The deductible for good medical insurance and hospitalization is 10,000, and the deductible for good medical insurance and long-term medical care can be deducted from 10,000 yuan for 6 years.

This is really good, and a lot of medical insurance is really rigid at this point. If you spend 8,000 yuan in the first year and do not reach the deductible of 10,000 yuan, you will not be compensated; In the second year, it cost 9,000 yuan and less than 10,000 yuan, and the insurance company still does not pay.

3. What about good medical insurance and long-term medical insurance? What's different from before?

How about good medical insurance and long-term medical insurance, is it worth buying, and what are the changes in this upgrade. Let's briefly analyze this insurance through the comparison chart below, and you can judge whether to buy it according to your own needs?

Straight to the conclusion:

The best part of this insurance is that within 6 years, whether your health has deteriorated or you have made a previous claim, you can renew the policy without having to review it.

The difference between the new version of good medical insurance and the original version mainly has these two points:

Optional Liability Cancer Overseas ** has been added, which can reimburse up to 2 million** expenses, at a rate of 70%;

The liability for new crown pneumonia has been increased, and a one-time compensation of 100,000 yuan will be paid for confirmed critical cases.

After the optimization and upgrading, the good medical insurance 2020 is still very comprehensive and cost-effective, but the health notification project is more standardized and clear, and it has become more stringent. If you have some minor physical problems, it is recommended to compare several medical insurances and choose the right one for you. Hope!

The Good Medical Insurance series is a good product. With Alipay's platform as support, it is reliable. For details of product analysis, please refer to this article "Is Good Medical Insurance Long-term Medical Care 2020 Reliable?" How much do you know about the terms and conditions? 》

Although the series of medical insurance products are sold on the Alipay platform, the underwriting companies behind them are different.

The underwriting company of Long-term Medical Insurance and Anti-Cancer Medical Insurance is PICC Health, the underwriting company of Anti-cancer Special Drug Insurance is Sunshine Property Insurance, and the underwriting company of Inpatient Medical Insurance is Zhongan Insurance.

The risk assessment grades of the three insurers were B, and both the core and comprehensive solvency adequacy ratios exceeded the minimum requirements set by the CBIRC.

In order to give you a detailed understanding of good medical insurance, Daddy chose a good medical insurance with more background consultations, long-term medical care and inpatient medical treatment for comparison.

The biggest difference between these two products is that good medical insurance long-term medical care is guaranteed to be renewed for 6 years, while inpatient medical care is not guaranteed to be renewed.

In terms of premiums, the first-year premium for a 30-year-old male with long-term medical care is 259 yuan, while the inpatient medical treatment is only 218 yuan.

The maximum age for long-term medical care is 60 years old, while the maximum age for inpatient medical care can reach 65 years old, compared to the latter is more friendly to the elderly.

Good medical insurance long-term medical care generally has an inpatient medical insurance amount of 2 million, while inpatient medical care is 3 million, which is more advantageous than inpatient medical care.

The value-added services of the two products are relatively rich, including proton heavy ions, purchased drugs, medical advance payment and medical green pass.

In general, if you don't consider the issue of renewal, good medical insurance inpatient medical care is better than long-term medical care in terms of protection.

All in all, the good medical insurance series protection is relatively comprehensive, the premium is not high, and it is good from the perspective of cost performance.

Many people ask about this long-term medical insurance of good medical insurance, and my dad has specially done an evaluation, so I suggest you also take a look: "Is Alipay's new good medical insurance long-term medical insurance 2020 worth buying?" A pit for you".

Advantages: 1. Good cost performance: the protection is more comprehensive, the service is more intimate, and it will be relatively lower than other million medical insurance, especially for children.

2. Good renewal conditions: 6-year guarantee renewal, and renewal does not need to be reviewed, whether it is poor health or claims can be renewed, or more humane.

3. Loose health notice: There are only 3 inquiries in health notice, which is relatively loose and applicable to a wide range of people.

Deficiencies: 1. Proton heavy ion limit: only proton heavy ion radiation**, the reimbursement ratio is 60%, the limit is 1 million, and non-** expenses, such as bed fees, meal fees, etc., are not covered by the insurance.

At present, the longest guaranteed renewal period approved by the China Banking and Insurance Regulatory Commission is 6 years, and good medical insurance belongs to this type of product. Guaranteed renewal means that the premium and protection remain unchanged during the protection period, even if the product is offline, it will not affect the renewal.

Hope it helps.

Good medical insurance is a series of health insurance launched by Alipay, such as good medical insurance long-term medical care (20-year version) and good medical insurance long-term medical care. In addition, there is also good medical insurance cancer prevention medical insurance and good medical insurance lifelong cancer prevention medical insurance.

Daddy also wrote an article to introduce the product of Good Medical Insurance Long-term Medical Care 2020, which can be seen here. Is Alipay's new good medical insurance long-term medical care 2020 worth buying? A pit for you".

1. Good medical insurance long-term medical care and good medical insurance long-term medical care (20-year version).

These two products are millions of medical insurance, both *** renewal, the obvious difference is that the guaranteed renewal time is different.

The advantages of long-term medical care are the short waiting period, the low threshold for reimbursement of critical illness medical care, and the higher amount of insurance for cancer overseas** (optional liability).

The advantage of good medical insurance long-term medical care (20-year version) is that it guarantees a longer renewal time, and the general medical treatment and proton and heavy ion medical insurance are more sufficient.

2. Good medical insurance free medical funds.

This is the amount of coverage from a series of health insurance policies that Alipay gives to users for free.

Seeing the word "free", everyone must have begun to be vigilant, after all, there is no free lunch in the world, and this kind of product is often a means for insurance companies to capture customers, and insurance companies can take this opportunity to promote their products after receiving them.

Moreover, the protection of free medical insurance is very general, with a maximum of 20,000 free insurance for those under the age of 39 and a maximum of 10,000 for those over 40 years old.

3. Good medical insurance lifelong cancer prevention medical insurance and good medical insurance cancer prevention medical insurance.

Cancer prevention medical insurance provides cancer protection, the insurance conditions are relatively relaxed, and it is more friendly to the three highs.

Daddy summary: In general, there are many products with good medical insurance, and you can choose according to your needs and budget.

The 20-year version of long-term medical insurance is different from other million medical insurance, it does not have the protection of critical illness medical care, but instead focuses on the protection of specific drug costs, and the national supply of drugs, new drugs, and cancer drugs that are not available in hospitals can be reimbursed, reducing the economic pressure of buying drugs.

Next, dad will talk about how this product is:

1. How about the 20-year version of long-term medical care for good medical insurance

Basics

1. The cost of specific drugs is also guaranteed

The 20-year version of long-term medical care of good medical insurance adds specific drug cost protection, with an insured amount of 2 million, sharing 4 million with medical expenses, and reimbursing 90%, regularly updating new drugs to reduce the pressure of drug purchase.

2. Share the deductible

Although there is a deductible of 10,000 yuan for general medical treatment, specific drug expenses and proton heavy ions, the 10,000 yuan is shared, that is, one or more of them can be reimbursed if the cumulative amount exceeds 10,000 yuan.

3. Guarantee 20-year renewal

A rare medical insurance product in the market that guarantees 20-year renewal, the insured does not have to worry about renewal issues during these 20 years, and can enjoy protection with peace of mind.

Second, the dad summary

Good medical insurance long-term medical 20-year version must pay attention to health notice when applying for insurance, and truthfully avoid disputes in subsequent claims. And there is no need to worry about the problem of rate adjustment, the current product has been on the market for less than 3 years, and will not be adjusted, so consumers can rest assured that they can buy insurance.

Million Medical Insurance is a great product that allows customers to be reimbursed after spending a lot of money on medical expenses! However, the premise is that you need to pay a large amount of medical expenses in the hospital first, and it is recommended to purchase some early payment insurance for serious illnesses, so that the insurance company will pay a large amount of critical illness insurance in advance**!

Good medical insurance, this million medical insurance is not bad, and the cost performance is relatively high.

Good medical insurance is a series of medical insurance products on the Alipay insurance platform. Good medical insurance is customized and developed by insurance companies such as Chinese Insurance Health, Chinese Property Insurance, Zhongan Insurance, Sunshine Property Insurance and other insurance companies for Alipay insurance platform users, including good medical insurance long-term medical treatment, good medical insurance inpatient medical care, good medical insurance lifelong cancer prevention medical insurance, good medical insurance cancer prevention special drug insurance, etc.

Good Medical Insurance is a comprehensive Internet insurance platform under Alipay, with the vision of "let every family have protection", and cooperates with insurance companies to provide carefully selected insurance products for every family.

Through in-depth cooperation with insurance companies, we customize the preferred products of various insurance types, and accurately push insurance products to users according to the user's risk assessment. After purchasing, you can easily complete service operations such as policy inquiry and claim reporting on the Alipay insurance platform.

Answer: Million medical insurance is actually one of the medical insurance, the reason why it is called million medical insurance, because it has a low premium, high insurance amount, up to one million reimbursement, and can also reimburse self-financed drugs, imported drugs, ICU room fees, surgery fees, nursing expenses and other expenses of medical insurance. It is currently the most common type of medical insurance, and it is also a type of insurance that many ordinary people are willing to buy.

Most of the deductibles for millions of medical treatments on the market are 10,000 yuan, and it is precisely because of this deductible that the insurance company's claim rate is much less. Therefore, consumers only need to spend a few hundred yuan to enjoy millions of medical insurance.

How does Million Medical pay?

Since the million medical insurance is medical insurance, it is also a reimbursement payment, which means that you need to pay the money first and then take the invoice to pay. Therefore, no matter how high the sum insured, the reimbursement amount will not exceed the total cost. Have you ever thought about what you will do when the doctor informs you that you need to pay tens of thousands, hundreds of thousands?

Is it an insurance policy? I'm sorry that the hospital didn't admit it, so I called the insurance company and said that I was out of danger and needed money! The insurance company will say:

Dear, what about your invoice? At the end of the day, you will find that you still need to borrow money, ask people, and then take the invoice to the insurance company for reimbursement, and if you can't raise that much money, then the millions of medical insurance you buy will not work. Then you will think that insurance is really too bad.

Actually, it's not an insurance pitfall, but you don't understand the meaning of reimbursement. It's your ** person who hasn't talked about how to reimburse at all, and it's also that this company's products are really inhumane. If you really want to use 1 million medical expenses, is it difficult to sell your house to raise medical expenses?

There is not even an add-on effect of an advance payment, only to tell you that you have a reimbursement amount of several million. It's just beautiful to look at, but it's useless.

Most of the hospital restrictions of medical insurance are public hospitals, and even if you are seriously ill for one year, the maximum cost may be millions, far less than 3 million or 8 million. This is just a marketing gimmick, and the actual significance is not very large.

Good medical insurance million medical insurance is definitely reliable from the platform and legal point of view. The most important thing is to see if it is suitable for you, if it is not suitable for you, then it will naturally be unreliable. On the whole, the product is still relatively good, and different liability insurance companies are different.

The underwriting company of good medical insurance cancer prevention special drug insurance is Sunshine Property Insurance, the underwriting company of hospitalization medical insurance is Zhongan Insurance, and the most important underwriting company of long-term medical insurance and cancer prevention medical insurance is PICC Health, which are also reliable, if the product is suitable for you, you can rest assured that you can insure it.

The good medical insurance series is good from the perspective of cost performance, the barriers are comprehensive, the premium is not high, and the value-added services are also good. If you don't consider the issue of renewal, good medical insurance inpatient medical care is better than long-term medical care in terms of protection.

To apply for a good medical insurance million, you first need to consider your age, health status and family's financial situation. On the whole, it is still relatively good that the premium of the medical insurance million medical insurance is cheap, the renewal is guaranteed, and the claim threshold is low.

Good Medical Insurance Million Medical Insurance guarantees that the rate list will not increase within 6 years, and the product can still be renewed after it is suspended; The deductible of 10,000 is cumulatively accumulated for six years, not 10,000 deductible a year, which is still more cost-effective.

In short, good medical insurance million medical insurance is cheap, comprehensive and long. However, the health notice is stricter, and the exemption from liability is also stricter; There are also regulations for reimbursement hospitals, which must be public hospitals above the second level, and private ones cannot be compensated.