At what age can Sunshine Insurance Love Health Million Medical Insurance be renewed?

If you want to know about Sunshine Insurance's Love Health Million Medical Insurance, you can take a look at this detailed review article:Love Health Million Medical Insurance, the protection is choking.

This Health Care Million Medical Insurance is a one-year medical insurance, which is written in the terms and conditions of the insuranceThe renewal condition is that the policy can be renewed under the age of 100

Highlights:

1. When renewing the policy, the policyholder must apply for renewal within 15 days after the expiration of the insurance period;

2. The insurance company will not adjust the rate due to the health status of the insured and the historical claim situation;

3. The product can be renewed up to 100 years old, and it will not be renewed after the age. The product is discontinued and cannot be renewed.

It should be noted thatThere is no *** renewal in the insurance rules of Ai Health, although the renewal conditions of this product say that you can continue to be insured until the age of 100, and the premise of continuous insurance until the age of 100 is that the product has not been suspended.

However, there is a risk that the millions of medical products on the market will be discontinued, and once the product is discontinued, the insurance company will no longer accept renewal. So in the case of not discontinuing,It is sufficient to have a commitment not to be renewable due to changes in health conditions or historical claims.

On this basis, if you do not pursue guaranteed renewal, you can buy one-year medical insurance such as love health, and there are many millions of medical insurance on the market that are worth buying, like these few are performing very well, some of which are guaranteed renewal products:The top 10 million medical insurance rankings are newly released! Look

Xueba talks about insurance, focusing on insurance evaluation! This comparison table provides an in-depth comparative analysis of the millions of medical insurance in China, and you can click to view if you are interested"Super Complete! Comparison Table of Popular Million Medical Insurance in China

It is recommended that when you need to buy medical insurance products, you should give priority to buying millions of medical insurance, the simplest reason is that it is very cheap, only a few hundred yuan a year, you can enjoy millions of protection, and the cost performance is very high. And the content of the insurance is also very comprehensive, such as bed fees, nursing fees, surgery fees, drug costs, material costs, etc.

When we buy million medical insurance, in addition to looking at the protection liability, **, exemption clauses, renewal clauses and other conventional content, we should also pay attention to the "stability of sustainable insurance".

It is important to note that medical insurance can only be purchased for a short period of time, and some people may be rejected by the insurance company due to your physical condition or previous claims when they want to buy it again in the second year after the first year of purchase. For example, the following medical insurances are less friendly to renewal:Be careful!

These medical insurances! , encounter thousands of detours! 》

The stability of sustainable insurance is, simply put, whether the product will be discontinued, which only the insurance company itself knows. Generally speaking, it can be judged from these aspects: whether the sales volume is large enough, whether there are enough healthy individuals added, whether the pricing is reasonable, the market strategy of the underwriting company, etc.

Another point to remind is that for most products, for people who have not purchased social security, the premium is usually more expensive, so the social security is well paid

That's the end of the problem, I hope it will be useful to you.

The product can be continuously insured up to the age of 80. Every year, 30 days before the expiration of the insurance contract, the insurance company will notify the policyholder by text message and other means, as long as the 30 days before the expiration date and 15 days after the expiration date, the continuous insurance can be completed by following the prompts and completing the payment. There is no waiting period for continuous insurance and no need to re-inform the health policy.

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.

Summary. Hello dear! Sunshine Health Million Medical Insurance Medical Worry-Free Edition does not guarantee renewal, but as long as it is not sold, then it can be renewed until the age of 100.

The protection period of Sunshine Love Health Million Medical Insurance is one year, although the renewal is not guaranteed, but the renewal review is relaxed, and the renewal will not be affected by the change of the insured's health or historical claims, in short, the renewal can be renewed without review.

If I apply for Sunshine Insurance Love Health Million Medical Insurance, if I make a claim within the insurance period, can I renew the policy in the next year?

Hello dear! Sunshine Health Million Medical Insurance Medical Worry-Free Edition does not guarantee renewal, but as long as it is not sold, then it can be renewed until the age of 100. Although there is no guarantee of renewal, the renewal of the insurance is relaxed, and the renewal will not be affected by the change of the insured's health or the history of the claim, simply put, the renewal can be renewed without review.

Dear, your case can be renewed! <>

<> hope it helps! Kiss!

Have any questions you can answer?

Summary. The waiting period for Sunshine Insurance's Health Million Medical Insurance is 30 days.

The waiting period for Sunshine Insurance's Health Million Medical Insurance is 30 days.

Is the waiting period divided into the waiting period for serious illness and the waiting period for malignant tumors?

Is the waiting period divided into the waiting period for serious illness and the waiting period for malignant tumors?

Not divided.

Before starting, the senior sister will give you a small gift - insurance purchase guide, to help you buy insurance without being pitted, quickly collect it: [link]{[insurance] which is good, how to buy cost-effective, hand in hand to teach you to avoid these pitfalls of insurance.

Sunshine Insurance Love Health Million Medical Insurance is a non-guaranteed renewal contract, and the insurance period of the contract is 1 year.

After the expiration of the insurance period and the product has not been discontinued, the policyholder needs to re-apply for this product from us, and with the consent of the insurance company, pay the insurance premium and obtain a new insurance contract.

The new insurance contract shall come into force at 0:00 on the expiration date of this contract and shall be insured for a period of 1 year.

Consumers need to pay attention to two aspects when renewing the insurance: first, if the subsequent product is discontinued, it will not be possible to successfully renew the insurance; Second, when renewing the policy, the insurance company needs to re-examine the physical health of the insured, and if the insurance company believes that the risk of the insured is too high, it is likely to refuse to renew the policy.

If you want to know more about the details of Love Health Million Medical Insurance, you can click on this detailed review article: [link]{Sunshine Love Health 2021 Million Medical Insurance is worth buying?} I advise you to be careful!

Medical insurance is equipped, but don't forget to configure critical illness insurance, accident insurance and life insurance. The role of these four types of life insurance is different, and the combination of configuration can bring us more powerful protection. Senior sister here has sorted out several sets of insurance configuration plans, friends may wish to learn about it:

link]{How do adults buy insurance?} Everyone should have a plan to laugh at the old family.

Many people want to know which medical insurance is better, I have sorted out the more popular medical insurance in 2020, which one is worth buying, you will know at a glance: what are the good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurance in 2020.

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, and millions of medical insurance can be reimbursed for 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 it in detail:

1. Million medical insurance.

Million medical insurance is suitable for most people, because it is low, the reimbursement amount is high, and it does not have a limit on the types of diseases reimbursed, the annual premium is only a few hundred yuan, but you can get millions of reimbursements, which is really 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.

Let's take a brief look at a few of the best-selling million-dollar medical insurance plans on the market:

Combined with **, a simple comment.

1) Good medical insurance: Its guaranteed renewal for 6 consecutive years is currently the best renewal condition. During the 6-year period, you can renew your policy, whether you have made a claim, your health has changed, or the product has been discontinued.

2) Exclusive e-life: Added postoperative home care, oncology special drug services, and increased the option of family sharing deductible.

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

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

In addition to these few million-dollar medical insurance products, interested friends can click on the original article to view: What are the good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurance in 2020.

2. Hospitalization medical insurance.

Hospitalization medical insurance has the characteristics of low deductible and low sum insured. This kind of insurance is mainly used to reimburse outpatient services, and it is generally purchased by babies under the age of 5 or older people. Because children and the elderly are in poor health, it is easy to accidentally catch a cold or fever, relatively speaking, this insurance will be more useful for them.

3. Cancer prevention medical insurance.

Most of the million-dollar medical insurance and hospitalization medical insurance on the market have a maximum age of 60-65 years old.

Cancer medical insurance covers cancer, and this insurance doesn't have much age and health requirements. If you are an elderly person or a person with a minor physical illness, this insurance is more suitable.

This kind of ** is greatly affected by physical fitness and age, I have compiled some cancer prevention medical insurance products that are worth buying, if you are interested, you can take a look: What are the good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurance in 2020.