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Million medical insurance is called by netizensLeverage is high and everyone can afford itinsurance. If you are hospitalized, after deducting social security reimbursement, the cost of more than 10,000 yuan can be reimbursed by the rest of the insurance companies, up to several million, and the premium is only a few hundred yuan per year. So what are the popular and worthwhile millions of medical insurance on the market?

So how to choose a million medical insurance?

1.Safeguards should be comprehensive

A good medical insurance for millions of people needs to include inpatient medical treatment, special outpatient, outpatient surgery, pre- and post-hospitalization outpatient emergency, critical illness hospitalization and some special outpatient services, such as kidney dialysis, chemotherapy, radiotherapy, organ transplantation anti-rejection, etc., as well as some value-added services, such as green channel for medical treatment, cost advance, etc.

2.The renewal conditions should be good

Many million-dollar medical insurance policies on the market say "renewal until the age of 100", but the renewal here is not a guarantee of renewal, once the product is discontinued, the product cannot be purchased. At present, the renewal is also guaranteed to be renewed for a maximum of 6 years, such as good medical insurance long-term medical insurance, as long as you buy it, in these 6 years, whether there is a change in the body, or the product is off the shelves, it will not affect the protection in these six years. Of course, there is also a kind of medical insurance that can be purchased as long as it is not sold, no matter what changes occur in your health condition, and the premium will not be increased separately, such as the exclusive e-lifeAt present, the latest version of the exclusive e-life is the 2020 version, so what is the protection of this million-dollar medical insurance?

3.There are no social security restrictions

In terms of reimbursement scope, some million medical insurance only reimburses within the scope of social security, and some are not limited to the scope of social security reimbursement. If you choose a million medical insurance with no social security medication and no social security restrictions, you can reimburse 100% of the medical expenses, better play the role of social security and reduce the burden of medical expenses.

In general, million medical insurance is still very suitable for most people, the premium is low, the reimbursement amount is high, it is worth buying, and I have sorted out the million medical insurance worth buying on the market for you, you can take a look:

>>> Top 10 Million Medical Insurance Rankings are newly released!

Definition of Million Medical Insurance: Million Medical Insurance is a one-year short-term health insurance, with a premium of several hundred yuan a year, and medical expenses can be reimbursed if you are sick, up to several million.

Since it is a short-term insurance, it is not like life insurance and critical illness insurance, which can guarantee renewal.

Therefore, when we choose million medical insurance, we must not only look at the conventional content such as protection liability, **, exemption clauses, renewal clauses, etc., but also look at the stability of the product, that is, the renewal conditions of the product and the risk of discontinuation. Regarding the disclaimer clause, it is a product that does not provide for insurance, and the detailed analysis can be found here"From the "refusal" of medical insurance, explain the insurance exemption clauses at one time".

1.Renewal conditions

Whether there is a claim in the previous policy year and whether there is a change in health conditions will affect whether the medical insurance can be successfully renewed.

The renewal clause is not friendly, and other additional benefits, such as green channel for medical treatment, cancer deductible, advance payment of medical expenses, etc., are all floating clouds.

2.Closure risk

Some million medical insurance is guaranteed to be renewed for a few years, that is, during these years, even if the product is discontinued, it will not affect the renewal of the product.

No one can guarantee the risk of discontinuation of the product.

Generally speaking, it can be judged from these aspects: whether the sales volume is large enough, whether there are enough healthy individuals to join, whether the pricing is reasonable, the conditions of the insurance company, and so on.

Medical insurance is a type of insurance that compensates for medical expenses caused by illness, and it is an important supplement to medical insurance.

Medical insurance can be divided into many types, the more common ones are million medical insurance and small medical insurance.

So how to choose so many millions of medical insurance on the market? Shopping around is the last word.

> super complete! Comparison table of popular medical insurance in China.

As the name suggests, million medical insurance refers to consumer-based medical insurance with an annual reimbursement amount of one million yuan or more.

Millions of medical insurancePros:Yes

Good value for money: You can leverage millions with just a few hundred dollars.

Reimbursement is widespread: Million Medical Insurance can reimburse medical hospitalization expenses caused by imported drugs, imported medical devices, diseases and accidents that are not included in the social insurance catalog.

There are many value-added services: Advance payment, medical greenway, proton heavy ion are all very practical guarantees.

1.Be honest

When applying for million-dollar medical insurance, you must carefully read the content of the health notice, and fill in the health status and occupation category truthfully, otherwise it is easy to cause a situation where you cannot be compensated.

2.Selection criteria

Many insurance novices will think that the more expensive the million medical insurance, the better.

This is definitely wrong! Only the million-dollar medical insurance that suits you is good!

In order to facilitate your selection, I have prepared the famous top 10 million medical insurance products on the rivers and lakes:

>>> Top 10 Million Medical Insurance Rankings are newly released!

Regarding medical insurance, many people have a question: I don't know what to buy, the current popular medical insurance products in my country are here, which one is good and which one is not good, you can know at a glance:"Super Full Comparison!

Popular medical insurance points in China

It is generally recommended to buy medical insurance before buying commercial medical insurance. Medical insurance is the most basic protection, there are no special insurance restrictions, almost everyone can buy it, and it is also very cheap. Commercial medical insurance is a supplement to medical insurance, and it can reimburse the part that cannot be reimbursed by medical insurance.

For example, high-end**, special**, and so on.

Medical insurance can be divided into many types, the common ones are million medical insurance, hospitalization medical insurance, and cancer prevention medical insurance.

Let's talk about the differences between these 3 in detail:

1. Million medical insurance

Most people are suitable for millions of medical insurance, because its cost is low, the reimbursement amount is still very high, and it has no restrictions on the types of diseases reimbursed. In addition, it also has a very comprehensive insurance content, such as bed fees, nursing fees, surgery fees, drug costs, material costs, etc., which can be reimbursed.

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

Combined with ** can be known.

(1) Good medical insurance:Its renewal conditions are really much better than other million medical insurance. During these 6 years, you can renew the policy no matter what.

(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 the value-added service of the international second treatment.

As you can see from the above, each product has its own unique advantages, and when purchasing, it is necessary to choose according to your needs.

In addition to these few and many million-dollar medical insurance products worth buying, you can take a look at the original article of this review:"Wool! Top 10 Popular Million Medical Insurance Worth Buying

2. Hospitalization medical insurance

Hospitalization medical insurance is characterized by low deductibles 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 the physical function of children and the elderly is not as good as that of other age groups, the probability of colds and fevers is more, and the role of buying this insurance is relatively large.

3. Cancer prevention medical insurance

Most of the hospitalization medical insurance and million medical insurance on sale today are limited to about 65 years old.

Cancer medical insurance only covers cancer-related content, and this insurance does not have such strict requirements for age and health. It is more suitable for some older or less healthy people.

This kind of ** is greatly affected by physical fitness and age, here is a collection of several more affordable cancer medical insurance, it is recommended to take a look before buying cancer medical insurance:"Great value! The best cancer medical insurance is here!

In general, small things are fine. However, it is also a reference opinion. Ping An Lao Xianfeng Insurance has a software that seems to be called a good doctor, which is full of doctors above the top three, and you can ask about ordinary minor injuries and illnesses, free of charge, I asked, and it is OK.

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There are a lot of software that you can search for, and you can also go to the application market**, such as good doctor and other software, which can help you a lot, and there is a great place to deal with emergencies or physical injuries.

There are a lot of these, you can check it on it, or you can go to the application ** to find it. For example, a family doctor or a safety doctor, or a common family disease that does not have nursing knowledge. You can also go to the bookstore to buy some books and come back to study by yourself.

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If the wound is superficial and there is no massive bleeding, only simple disinfection is required to bandage, if the injury is more serious, the amount of bleeding is large, and the wound has numbness, it is necessary to bandage and stop the bleeding in time and go to the nearest hospital for debridement and injury repair.

I really have the software for the new car. Endure this, there is no fault can be ** a software, you can find it on the Internet. I really don't understand those things, and I can look them up directly on the Internet.

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That's a very handy piece of software.

Just search for it on the Internet wheel, but it's just to provide you with a reference. It's okay to check the small things of Tongqiao, but you still have to find a professional to ask for big things, for example, if you are sick, don't check it on the Internet, it's over, so it's not good.

In general, small things can be solved by searching. I know that Pingjian Mingzhian Insurance has a software called a good doctor, which is more than three from Huai Lao Ye doctors, the general small injuries and small pains can be asked, it is free, and the service is also good. Hope mine is helpful to you.

At present, the number of policies for critical diseases per capita in China is very small and the amount of insurance is generally not high, the main reason is that the popularization and education of insurance knowledge is very small, and people pass insurance at the same time, the insurance industry itself does have the problem that the image of the industry is not good enough, such as misleading insurance sales, difficult claims and protection products, but this is a problem in the rapid development of the insurance industry, which can be improved and improved in the development of the insurance industry, and is by no means a problem with the function and role of insurance itself. The basis of insurance management is the law of large numbers and probability theory, one person is many, many people are one, and many people are used to pay insurance premiums, so that a small number of unfortunate people can get help and necessary living security. Insurance embodies the spirit of fraternity, which is the guarantee of communication and coexistence between people, and the driving force for the harmonious development and progress of society.

At present, the number of policies per capita in China is very small and the amount of insurance is generally not high, the main reason is that there is very little popularization and education of insurance knowledge, and people's awareness of transferring risks through insurance has not been formed. At the same time, the insurance industry itself does have problems such as misleading insurance sales, difficulty in settling claims, and lack of abundant protection products, but this is a problem in the rapid development of the insurance industry, which can be improved and improved in the development of the insurance industry, and is by no means a problem in the function and role of insurance itself. The basis of the insurance camp is the law of large numbers and probability theory, one person is many, many people are one, and many people pay insurance premiums, so that a small number of people who have misfortune can get help and necessary life security.

Insurance embodies the spirit of fraternity, which is the guarantee of communication and coexistence between people, and the driving force for the harmonious development and progress of society.

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There is generally no software to help you with this kind of thing, you can take a look at it, there is still a lot of knowledge in it You can take a look, it should be helpful to you, the courage of this kind of thing Huai concealment You have to learn to deal with it, because this is the basic knowledge of survival, you must master it, you must learn to be a person who has the purpose of demolition, useful to yourself, useful to others, so that you can ship.