Can I apply for Sunshine Insurance Love Health Million Medical Insurance if I don t go to work?

There are still a lot of people who ask questions about medical insurance, here is a comparison table of the latest medical insurance products, which one is worth buying, you will understand it when you read it:"Comparison Table of 136 Popular Medical Insurance Insurances in China".

Of course, you can, but there are many good medical insurances, and you can look at the details below.

It is recommended to give priority to the allocation of medical insurance before purchasing medical insurance. Medical insurance is the most basic protection, not only cheap, but also has very low insurance requirements, basically anyone can buy it. Commercial medical insurance is a supplement to medical insurance, which can reimburse items that cannot be reimbursed by medical insurance, such as high-end, special, and so on.

There are many types of medical insurance, and the common ones are three types: million medical insurance, hospitalization medical insurance, and cancer prevention medical insurance.

Let's talk about these 3 types in detail:

1. Million medical insurance

Almost every age group is suitable for buying millions of medical insurance, because it is cheap, the reimbursement amount is high, and there is no limit on the reimbursement of diseases, a few hundred yuan a year can give you millions of protection, which can be said to be very cost-effective. Moreover, the scope of million medical insurance is very wide, such as bed fees, nursing fees, surgery fees, drug costs, material costs, etc., can be reimbursed.

Next, let's analyze a few very representative million medical insurances:

According to ** we can learn.

(1) Good medical insurance:The renewal conditions of this one are unmatched by many products. During these 6 years, whether you have made a claim, your health deteriorated or the insurance product is discontinued, the insurance company can let you continue to apply for insurance.

(2) Exclusive e-life:Added post-operative home care, oncology specialty services, and increased family sharing deductible options.

(3) Micro-medical insurance:Compared with the other two, this one adds a value-added service: international second diagnosis and treatment.

From the above analysis, we can know that each product has its own characteristics, and you should choose according to your own needs when purchasing.

In addition, there are many cheap and high-quality million medical insurance products, if you are interested, you can click the original article to view:"Cost-effective! Top 10 Million Medical Insurance Points Worth Buying! 》

2. Hospitalization medical insurance

Hospitalization medical insurance has the characteristics of low deductible and low sum insured. This type of insurance is mainly used to reimburse outpatient clinics, and is more suitable for babies under 5 years old or older people. Because children's immunity is relatively low, and the elderly are relatively weak, they are prone to colds and fevers, relatively speaking, this insurance will be of greater use to them.

3. Cancer prevention medical insurance

Since the vast majority of millions of medical insurance and hospitalization medical insurance are insured at the age of 0-60 years old, the older ones cannot be insured, and they can be insured with cancer prevention medical insurance.

Cancer medical insurance is a type of insurance specifically designed for cancer, which has a relatively loose health notice and a wider range of insurance ages. If you are elderly or in poor health and want to buy medical insurance, this is very suitable.

This kind of ** is greatly affected by physical fitness and age, here are a few more cost-effective, better protection of cancer medical insurance products, you can make a reference:"Conscience Price! These anti-cancer medical insurance are worth it! 》Hope!

OK. Unemployed belong to categories 1-4 of the occupational category and can be insured. The insured is a natural person aged 28 days (inclusive) to 60 years old (inclusive), in good health and able to work and live normally, with an occupation category of 1-4, with or without social security, you can purchase this product, and you can continue to apply for insurance until the age of 80.

Before purchasing, please read and truthfully inform your health, and you can purchase it after passing.

How much to pay for Sunshine Insurance Love Health Million Medical Insurance in a year needs to be analyzed on a case-by-case basis, and factors such as age, whether there are optional benefits, etc., will affect the premium, so it is impossible to generalize.

What about Sunshine Insurance Company? Is the product worth buying? The most complete evaluation on the whole network!

1.Analysis of insurance conditions.

According to the terms, the 2022 version of iHealth Million Medical Insurance supports people born 28 days old to 60 years old, with a coverage period of 1 year and no guarantee of renewal. However, the waiting period is only 30 days, relatively speaking, such a waiting period level can be said to be relatively good in the entire million medical insurance market, but it does not support intelligent underwriting, which is a bit regrettable.

After all, many insurance companies have now launched smart underwriting, which can be carried out when the health notification is not passed, and you can continue to buy this product if the smart underwriting is passed.

When encountering these medical insurances, please be careful and careful!

2.Safeguard Liability Analysis.

The 2022 version of iHealth Million Medical Insurance has an insured amount of 3 million yuan and a deductible of 10,000 yuan. Only if the cost exceeds the deductible, the insurance company will reimburse it proportionally. General medical insurance benefits include special outpatient medical expenses, inpatient medical expenses, outpatient and emergency medical expenses before and after hospitalization, and outpatient surgical medical expenses.

The 2022 version of iHealth Million Medical Insurance covers 100 critical illnesses, with an insured amount of 3 million and 0 deductibles, which can be reimbursed as long as they meet the claims criteria of the policy. It also includes special outpatient medical expenses for critical illness, inpatient medical expenses for critical illness, outpatient surgical expenses for critical illness, and medical expenses for outpatient and emergency medical expenses before and after hospitalization for critical illness.

The latest top 10 million medical insurance rankings are newly released!

For specific premiums, please try to calculate the premiums on the product details page, and check the corresponding premiums according to the age group, the sum insured, and whether there is social security.

The hospitalization medical insurance provided by Sunshine Insurance Ai Health not only includes hospitalization due to malignant tumors and other major diseases within the scope agreed in the contract, but also includes hospitalization due to general diseases and hospitalization due to accidents

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

How about Love Health Sunshine Insurance mainly depends on whether the protection content of the product meets everyone's protection requirements, if the protection content of the product meets everyone's protection needs, then this product is a good product.

What about Sunshine Insurance Company? Is the product worth buying? The most complete evaluation on the whole network!

1.Analysis of insurance conditions.

The age range of the 2022 version of iHealth Million Medical Insurance is 28 days old to 60 years old, the coverage period is 1 year, and renewal is not guaranteed. However, the waiting period for this product is 30 days, relatively speaking, such a waiting period level can be said to be relatively good in the entire million medical insurance market, which can allow the insured to enjoy the comprehensive protection brought by this product faster.

When encountering these medical insurances, please be careful and careful!

2.Safeguard Liability Analysis.

The general medical insurance of the 2022 version of Love Health Million Medical Insurance has an insurance amount of 3 million yuan, with a deductible of 10,000 yuan.

In addition, the 2022 version of iHealth Million Medical Insurance covers 100 critical illnesses, with an insured amount of 3 million and 0 deductibles, which can be reimbursed as long as they meet the claims criteria of the policy. This benefit also covers special outpatient medical expenses for critical illness, inpatient medical expenses for critical illness, outpatient surgical expenses for critical illness, and outpatient and emergency medical expenses before and after hospitalization for critical illness.

The latest top 10 million medical insurance rankings are newly released!

Want to know if Sunshine Insurance's "Love Health Million Medical Insurance" is reliable? Let's take a look at the product evaluation, the following is the product evaluation table made by the senior sister:

After reading the product evaluation form, if you still can't judge whether this product is reliable, then let's listen to the analysis below the senior sister

There are three main highlights of this product:

The protection is relatively comprehensiveThe coverage covers general hospitalization, critical illness hospitalization, special outpatient care, pre- and post-hospitalization outpatient and emergency care, proton and heavy ion, as well as optional medical treatment for malignant tumors in Japan, specific diseases and surgical expansion of special medical treatment.

YesDeductible is decreasingTerms: If the insurance is an individual version and no claims have occurred in the previous year, it will be reduced by 1,000 yuan per year, and the deductible will be reduced to a minimum of 5,000 yuan.

YesGreen channel for medical treatment and advance payment of expensesValue-added services, both of which are more practical, can improve the efficiency of medical treatment and avoid the situation that patients have no money to see a doctor and borrow money from all over the place.

But there are also two shortcomings:

There are restrictions on occupations, onlyCategories 1-4 occupationsInsurance, people in high-risk occupations cannot be insured.

NopePurchased medicationsBenefits, if the condition requires it, without which it will not be reimbursed.

Finally, let's take a look at the ** of the product, 30 years old, both men and women, as long as 278 yuan, you can get 3 million insurance, so the cost performance is still good! It can be called "reliable"!

Xueba talks about insurance, focusing on insurance evaluation! First of all, I would like to present a comparison table between love health and the popular million medical insurance in China, and stamp the blue word to receive:"Super Complete! Comparison Table of Popular Million Medical Insurance in China

Love Health is a million-dollar medical insurance launched by Sunshine Insurance Company. When it comes to millions of medical insurance, everyone must know that it only costs a few hundred yuan a year, and it is easy to leverage millions of protection, which is really close to the people! It sounds pretty good, but it's also very easy to step on.

In order to avoid everyone from falling into the pit, I have screened some good million-dollar medical insurance products, so that you can spend the least amount of money to buy the best protection, you may wish to refer to it:"Top 10 Million Medical Insurance Rankings Newly Released! 》

So is this product good? Without further ado, let's start with the picture above:

I have summarized the following advantages:

1.Selective and flexible:This product comes in two forms, individual and family, and then divided into a basic version with a sum assured of 1 million and an upgraded version with a sum assured of 3 million.

2.Additional Extended Proton Heavy Ion Medical Expense Insurance:With this in addition, 100% of the medical expenses of proton and heavy ions can be reimbursed, which is the biggest highlight!

But I still have to complain about its shortcomings:

1.Renewal restrictions:Even if the claim has been made or the health has changed, the premium will not be adjusted, but the product will not be able to buy after the sale, which is a bit of a pit!

2.Excludes Oncology Specialty Drugs Service:The morbidity is even more helpless because of the high medical costs caused by critical illness, and the medicine that is taken for a long time after illness is not cheap, so I have seen many families who are poor due to illness, and it is really pitiful to miss this.

Be cautious, this type of commercial insurance contract has a bunch of exclusion clauses and harsh payment conditions, and it is not that if you get sick, you will definitely be compensated.