Who knows the role of million dollar medical insurance

Regarding medical insurance, many people have a question: I don't know what to buy, here is a comparison table of the latest domestic medical insurance products, after reading it, you will know which one is good: 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 guarantee, there are no restrictions on health, basically everyone can buy it, and it is very cheap. Commercial medical insurance is a supplement to medical insurance, and some items that cannot be reimbursed by medical insurance can be reimbursed, 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.

Million medical insurance is suitable for almost all ages to buy, because of its low cost, the reimbursement amount is still high, and there is no limit on the type of disease reimbursement, the premium is a few hundred yuan a year, and you can get millions of yuan in reimbursement, which is really worth it. Not only that, the coverage of million medical insurance is also very comprehensive, such as bed fees, nursing fees, surgery fees, drug costs, material costs, etc., can be reimbursed.

The following is an analysis of several representative million medical insurances:

Combined with ** we can know.

1) Good medical insurance: 6 years of guaranteed renewal, not many products have such good renewal conditions. In these 6 years, the policy can be renewed regardless of whether there has been a claim, whether there has been a change in physical health, or whether 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 a value-added service: international second diagnosis and treatment.

From the above analysis, we can know that each product has its own characteristics, and everyone chooses it according to their own needs.

In addition, there are many cost-effective million medical insurance products, friends who want to know can take a look at the original article: 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.

Low deductibles and low sum insured are the characteristics of this type of medical insurance. This type of insurance is mainly used to reimburse outpatient services, and is more suitable for babies under 5 years old or older people. Because the immunity of babies and the elderly is poor, it is easy to accidentally catch a cold or fever, so it may be more useful to buy this insurance.

3. Cancer prevention medical insurance.

At present, the vast majority of millions of medical insurance and hospitalization medical insurance on the market are insured at the age of 0-60 years old.

Cancer medical insurance is a type of insurance specially designed for cancer, which has the characteristics of health information and wide age of insurance. If you are an elderly person or someone with a small physical problem to buy medical insurance, it is more suitable to buy this one.

This kind of ** is greatly affected by physical fitness and age, here are a few cancer medical insurance cost-effective good, it is recommended to take a look before buying cancer medical insurance: what are the good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurance in 2020.

Is Million Dollar Medical Insurance Practical?

Million Medical Insurance mainly reimburses the medical expenses (reasonable and necessary part) caused by the insured** illness, which can directly compensate for the economic losses caused by the insured's illness.

However, the most comprehensive medical insurance configuration plan has been sorted out for everyone, please checkThe correct way to configure medical insurance should be like this! 》

1. The benefits of medical insurance

The most direct effect of the emergence of high-end medical care is to solve medical expenses and make an important supplement to social security.

The advent of medical insurance can solve the panic caused by illness, so that you don't have to worry about seeing a doctor and don't have to worry about the decline in quality of life.

1.Comprehensive coverage

As the name suggests, million medical insurance provides medical protection for people's physical conditions, which can directly subsidize our medical expenses and reduce the burden on families.

Secondly, its insurance amount is high enough, and the maximum reimbursement ratio reaches 100%, which protects our ** expenses to the greatest extent and allows us to have no worries.

2.Value-added services

Million Medical Insurance products will also add some value-added services, such as hospitalization advance payment services, specific drug services, critical illness green services, post-operative home care services, etc.

These services are not essential, but having them after you get sick can make it easier for you to see a doctor with less hassle.

3.Good value for money

Medical insurance is a short-term product, so in the choice, we have to choose a high insurance amount, and the insurance amount can only resist a high enough risk.

A 30-year-old adult male in good health only needs more than 300 a year to buy a million medical insurance.

Million medical insurance: refers to a one-year short-term health insurance, as long as you pay a few hundred yuan of premiums a year, you can be reimbursed for medical expenses if you are sick, and you can be reimbursed up to several million. It has several major characteristics, not only "low premium", "high insurance amount", but also "unlimited social security drugs", "unlimited diseases", the core of which is to solve the large amount of medical expenses.

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 renal dialysis**, outpatient malignant tumors** (chemotherapy, radiotherapy, tumor immunity**, tumor targeting**), anti-rejection** after organ transplantation**, etc., which are covered by 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, including outpatient surgery, 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.

With the promotion of the Internet, millions of medical insurance are a hot mess. Everyone can afford to pay a premium of several hundred yuan a year, and the million-dollar medical insurance with a coverage amount of up to millions of yuan was launched three years ago, and so far, more than 100 million people have purchased this type of insurance.

First, unlimited medication, imported drugs, and self-financed drugs are all reimbursed.

Second, there is no restriction on illness, as long as you are hospitalized, you can be reimbursed.

Third, there is no limit to the amount, millions a year, and it can't be used up.

Test your anti-risk index, experts will interpret it for you for free!

The role of Million Medicare includes:

1.After the insured has reasonable and necessary medical expenses due to illness or accident, the medical insurance of one million can be reimbursed;

2.The deductible of medical insurance is higher, but the sum insured is also higher, up to one million, which is mainly used to deal with the risk of serious illness;

3.It can alleviate the financial pressure that the insured needs to bear after suffering from a serious illness to a certain extent;

4.Million medical insurance can effectively prevent the insured die insurers from becoming poor due to illness and returning to poverty due to illness;

5.Millions of medical insurance can make up for the blind and slow down the basic medical insurance;

6.The premiums for Million Medical Insurance are relatively cheap. If the insured does not have the financial strength to apply for critical illness insurance for the time being, he can also use the medical insurance of one million to deal with the risk of serious illness first;

7.Million Medical Insurance can supplement critical illness insurance because critical illness insurance can only protect against diseases as agreed in the insurance contract, while Million Medical Insurance does not limit the type of illness. As long as the medical expenses agreed in the insurance contract exceed the deductible, it can be compensated.

The role of Million Medicare includes:

1.Million Medical Insurance can reimburse the insured person for reasonable and necessary medical expenses incurred due to illness or accident;

2.The deductible of million medical insurance is higher, but the insurance amount is also higher, which can reach one million, so it can mainly be used to deal with the risk of serious illness;

3.To a certain extent, it can alleviate the financial pressure that the insured person needs to bear after suffering from a serious illness;

4.Million medical insurance can effectively prevent the insured from becoming poor due to illness and returning to poverty due to illness;

5.Million medical insurance can complement the operation of basic medical insurance;

6.The premium of million medical insurance is relatively cheap, if the insured does not have the financial strength to apply for critical illness insurance for the time being, he can also use million medical insurance to deal with the risk of serious illness first;

7.Million medical insurance can complement the operation of critical illness insurance, because critical illness insurance can only protect the operation of diseases agreed in the insurance contract, while million medical insurance does not limit the type of disease, as long as the medical expenses agreed in the insurance contract occur and the deductible is exceeded, it can be compensated.

Summary. Million medical insurance has the following characteristics: 1. Deductible:

Million medical insurance is famous for its low insurance amount and high premium, but generally the million medical insurance on the market has a deductible of 10,000 yuan, and the medical expenses below 10,000 yuan are not compensated, and if it exceeds 10,000, the remaining part will be reimbursed according to the contract after subtracting 10,000 yuan. 2. High insurance amount: Since the million medical insurance starts with millions, its maximum compensation must be millions, but many diseases cannot cost millions, and most mild and moderate illnesses have no protection.

3. Cover major illnesses but not minor illnesses: The deductible of millions of medical insurance makes ordinary minor illnesses not reimbursable. 4. Premium**:

As you get older, the chance of getting sick increases, and the corresponding premiums will become more and more expensive, so the premiums will also be a large expense.

Hello dear! Million dollar medical insurance refers to medical insurance with a reimbursement amount of more than one million medical expenses. Million medical insurance is popular in the market because of its low premium and high insurance amount, but the claim threshold of million medical insurance is still relatively high, there are deductibles, and some reimbursement items such as nursing expenses and nutrition expenses are not compensated.

Million medical insurance has the following characteristics: 1. Deductible: Million medical insurance is famous for its low insurance amount and high premium, but the general million medical insurance on the market has a deductible of 10,000 yuan, and the medical expenses below 10,000 yuan are not compensated, and if it exceeds 10,000, the remaining part will be reimbursed according to the contract after subtracting 10,000.

2. High insurance amount: Since the million medical insurance starts with millions, its maximum compensation must be millions, but many diseases cannot cost millions, and most mild and moderate illnesses have no protection. 3. Protect major illnesses but not minor illnesses:

The deductible of the Million Medical Insurance is set so that ordinary minor illnesses cannot be reimbursed. 4. Premium**: With the increase of age, the probability of disease is increasing, so the corresponding premium will become more and more expensive, so the premium will also be a large expense.