How to see the coverage of Million Medical Insurance?

What does Million Medical Insurance cover?

In order to understand the question of how much is a million medical insurance per year, we first need to know what kind of protection we can get after spending money on medical insurance. For more information, please click this articleWhat is Million Medical Insurance? What are the benefits?

Million Medical Insurance is mainly a commercial insurance that reimburses our medical expenses as an important supplement to social security.

It has a wide range of protection and a high amount of insurance, which can make up for the lack of narrow social security reimbursement scope and limited reimbursement ratio, and medical expenses beyond social insurance can basically be reimbursed 100%.

In addition, in order to improve the competitiveness of products, insurance companies will also provide more value-added services, such as green medical channels, reimbursement of purchased drugs, medical advances, proton heavy ions, postoperative home care, etc.

In the final analysis, the million medical insurance is to help us solve the problem of expensive and difficult medical treatment, which can help us reduce the burden of high medical expenses and protect our serious illness**.

Million medical insurance refers to a one-year consumer medical insurance with an annual reimbursement amount of one million yuan or more, with low premiums, high insurance amounts, and a wide range of coverage, which can reimburse 100% of various expenses during hospitalization.

Some friends may wonder: Do I need to buy medical insurance if I buy critical illness insurance and accident insurance? Won't there be conflicts?

So how do we "look" at the million-dollar medical insurance?

1. Guarantee content.

The first thing to pay attention to when buying insurance is the content of the product, and you must be clear about what it covers.

The general million medical insurance covers inpatient medical treatment, special outpatient treatment, outpatient surgery, and outpatient and emergency before and after hospitalization, which are the four basic protection responsibilities.

It would be best if it also covered practical value-added services such as expense advance, reimbursement of purchased drugs, green pass for medical treatment, proton heavy ions, etc.

2. Renewal. Million Medical Insurance is a one-year short-term insurance that cannot be covered for a long time and cannot be guaranteed for long-term renewal.

Of course, with the increasing demand in the market, there are also some insurance companies that have launched a million medical insurance with a maximum guaranteed renewal of 20 yearsPing An e-life insurance long-term medical insurance product portfolio is coming, this defect should be paid attention to!

When we choose a product, it is best to choose the product with the best renewal conditions, that is, to choose a product that does not need to be reviewed for renewal and does not need to be informed about health, so as to save the trouble of not being able to insure due to changes in physical conditions.

3. Deductible.

The claim threshold for many million-dollar medical insurance products on the market is relatively high, most of them are 10,000 yuan. That is to say, when the ** cost is less than 10,000 yuan, there is no way to reimburse; If the ** expense exceeds 10,000 yuan, then the remaining part of the expense minus 10,000 yuan will be reimbursed.

The lower the deductible, the lower the threshold for claims. Therefore, it is best to choose a product with a lower deductible when choosing Million Medical Insurance.

Million medical insurance refers to medical insurance with an insurance amount of up to one million.

Million Medical Insurance Coverage:

1. Inpatient medical treatment: First of all, the cost of inpatient medical care, including bed fees, drug fees, meal fees, examination fees, examination fees, surgery fees, extra bed fees, diagnosis and treatment fees, ambulance use fees, nursing fees, etc., which are all within the scope of millions of medical insurance;

2. Special outpatient services: the expenses of special outpatient clinics, which generally include outpatient kidney dialysis**, outpatient malignant tumors** (chemotherapy, radiotherapy, tumor immunity**, tumor targeting**), anti-rejection** after organ transplantation, etc., which are within the scope of millions of medical insurance;

3. Outpatient and emergency before and after hospitalization: This includes the medical expenses incurred for outpatient and emergency services received for the same reason as hospitalization, including outpatient examination, diagnosis, and outpatient expenses, generally 7 days before and 30 days after hospitalization;

4. Outpatient surgery: Finally, outpatient surgery is called the state aspect, including the operation carried out in the door mask diagnosis, such as breast fibroma resection, cataract surgery, abscess incision and drainage, etc.

Legal basisArticle 2 of the Social Insurance Law of the People's Republic of China.

The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to ensure citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

Medical insurance, as the name suggests, is a kind of life insurance in which the insurance company pays insurance money to reimburse medical expenses when the insured needs to be hospitalized for treatment in the event of a medical accident (that is, when the disease needs to be hospitalized), and it is a kind of life insurance that reimburses as much as it costs.

Its basic coverage is reimbursement of general hospitalization, critical illness hospitalization, and hospitalization for specific diseases.

The insurance premium is high and can cover the medical expenses to some extent.

However, medical insurance is the most stringent health notification requirement among the four major types of insurance, so the younger you buy, the better.

Otherwise, the older you get**, the more expensive it is, and there may be additional coverage, exclusion or even denial of coverage due to some health problems.

Because its insurance amount is as high as one million, it is also known as million medical insurance!

At the same time, it also has the following advantages!

1) High sum insured.

The sum insured of million medical insurance is very high, and the annual sum insured of most million medical insurance is 100-3 million, and even the annual maximum sum insured of some million medical products can be insured up to 400w.

For example, the medical insurance is guaranteed to be renewed for 20 years, and the maximum annual insurance amount can reach 4 million.

It greatly solves the cost of hospitalization for major diseases, and effectively avoids the situation that some families give up because of the cost.

2) Comprehensive protection.

For imported drugs that are not reimbursed in medical insurance, millions of medical auction insurance will help you solve them.

Including general hospitalization, critical illness hospitalization, specific disease hospitalization, special drugs, special outpatient services, outpatient and emergency expenses for 30 days before and after hospitalization, purchased drugs, and even proton heavy ion ** technology, etc., Honghechun is within the scope of reimbursement of millions of medical insurance.

Moreover, most of the million-dollar medical products are not limited to social security and are 100% reimbursed.

Both domestic and imported drugs can be reimbursed.

3) The value-added services are very good.

The Million Medical Insurance product also has a green pass service to help arrange hospitalization and surgery, as well as value-added services such as hospitalization advance, online consultation, and post-hospital care, which is very convenient.

Million medical insurance is one of the commercial medical insurance, but it is called million medical insurance because the amount of insurance fraud can be as high as million, and its protection is not much different from ordinary medical insurance, mainly to provide medical protection for the insured.

When the insured person goes to the hospital due to an accident or illness during the insurance period**, the insurance company that covers it may reimburse the insured for reasonable and necessary medical expenses such as outpatient expenses, hospitalization expenses, etc.

However, you need to note that commercial medical insurance like this kind generally has to wait until the social security reimbursement before you can reimburse the remaining part. And many million medical insurance products have deductibles, and many deductibles are 10,000. If the insured person incurs medical expenses that are under the deductible, the insurance company that covers them will not pay the benefits.

The insurance company will only be liable if the medical expenses exceed the deductible.

The premiums of many million medical insurance products are very cheap, so if you want to continue to improve your insurance protection after applying for social security, you can choose to insure a million medical hall consumption insurance products.

Summary. Hello, I am glad to answer for you, Million Medical Insurance is a medical insurance that can provide consumers with a million sum assured. It can be used to reimburse general medical treatment or critical illness medical expenses, usually setting a deductible of 5,000 or 10,000 (not responsible for the amount of compensation), so the premium is relatively cheap, and you can get a higher sum insured with less premium, and the insurance company will also add special services and value-added services as needed, such as proton heavy ion medical treatment, medical green pass, etc.

Hello, I am glad to answer for you, million medical insurance is a medical insurance that can provide consumers with millions of insurance amounts. It can be used to reimburse general medical treatment or critical illness medical expenses, and usually sets a deductible of 5,000 or 10,000 (not responsible for the amount of compensation), so the premium Changshi is relatively cheap, and can obtain a higher sum insured with less premium, and the insurance company will also add special services and value-added services according to the needs of slippery dispersion, such as proton heavy ion medical treatment, medical green pass, etc.

The original intention is to be safe and reliable, and to ensure that there are simple obstacles; It is a tool used to plan one's life and finances, a basic means of risk management under the conditions of the market economy, and an important pillar of the financial system and social security system.

How much to pay in January.

Yuan Bao million medical insurance pays 100 yuan per month.

I have a million insurance on my mobile phone, how can I pay 300 yuan a month?

Each family** is different.

Aren't you fooled?

No, what brand you bought.

Zhang Guoli's endorsement of millions of medical treatment.

It is said that it starts at one yuan, and I have more than 300 per month, which is regular.

You can take a screenshot and I'll take a look at it for you.

In**Screenshot ah.

You can take a screenshot and send it to me.