How long does it take for Zhongan Insurance to take effect? Congregation

I want to tell you out loud: reliable! Fidelity!

Our company (Zhongan **Property Insurance Co., Ltd.****) is the first Internet insurance company in China, which was inaugurated on November 6, 2013 and listed on the main board of the Hong Kong Stock Exchange on September 28, 2017. Headquartered in Shanghai, it does not have any branches, and conducts its business entirely through the Internet. Welcome to Shanghai Bund Kangkang

By the end of 2021, ZhongAn had served more than 500 million users and issued a total of about 42.7 billion insurance policies.

Zhong'an Million Medical Insurance is our trump card Internet celebrity product! Born 30 days old to 70 years old can be insured if you meet the conditions, with a maximum insurance amount of 6 million, for example, young people can get a maximum of 6 million hospitalization medical insurance for only a few hundred yuan per year. [If you are interested, click here to find out].

Zhong'an Million Medical Insurance is the first insurance in many people's lives because of its low premium, wide coverage and high compensation ratio.

What are the main highlights? Check it out:

1) Wide insurance age: 30 days old - 70 years old, that is! Parents who meet the insurance conditions can also apply for insurance;

2) Wide coverage: Within the scope of responsibility, hospitalization for general diseases, accidental injuries, hospitalization for 100 critical diseases, special outpatient services, and outpatient and emergency visits for 30 days before and after 30 days of hospitalization can be covered. It can also reimburse the cost of specific targeted drugs and specific device consumables for malignant tumors, as well as the cost of specific drugs for rare diseases in minors.

3) High insurance amount: the maximum insurance amount for domestic medical treatment is 6 million, and the maximum compensation within the liability is 100%, so there is no need to worry about serious illness medical expenses;

4) Practical health management services: a variety of health management services, diversified and practical; For example, medical advances do not require scraping together money for treatment, or reducing the loss of family property from the sale of damaged property. For example, the green pass for critical illness, accelerated examination, hospitalization arrangement, and faster and more convenient medical treatment.

5) Cost-effective: In the case of such a wide range of coverage, it is not expensive. The same policyholder can save up to 20% if you insure multiple family members;

Buying an insurance policy will not make you poor, but a serious illness may be able to remember to buy a health insurance for yourself and your family! [If you are interested, click here to find out].

Be sure to read clearly and do your homework before buying

Zhongan Insurance Company is operated by Ant Financial.

Co-founded by Tencent and others. It is an Internet insurance company, the insurance business is handled in the whole process, there is no offline company or point, and all the processes are handled online. However, like other insurance companies, Zhongan Insurance Company's policies are legally effective.

Moreover, Zhongan Insurance Company has also been audited by the China Banking and Insurance Commission. Therefore, we don't have to worry that Zhongan Insurance Company will have problems with claims, and the electronic policy has the same effect as the paper policy. The products of Zhongan Insurance Company include health insurance and accident insurance.

Group insurance and many other types of insurance.

The waiting period is different for each product.

For example, in the "Zhongan Accident Worry-Free Insurance Plan", the policyholder submits an insurance application, and the contract is signed with the consent of the insurer. This means that there is no waiting period for this insurance, and it will be effective as soon as it is purchased. People are more familiar with its million-dollar medical insurance - exclusive e-life, like this medical insurance, its waiting period is 30 days, that is, 30 days after buying.

Zhongan Insurance Company also has critical illness insurance.

products, such as Zhong'an Guardian e-Life Critical Illness Insurance, LOHAS.

Critical illness insurance products such as e-life critical illness insurance. Among them, Guardian e-Life is a one-year critical illness insurance product. He has 100,000 editions, 200,000 editions, 300,000 editions, 400,000 editions, 500,000 editions. Critical illness insurance, for example, does not take effect immediately after purchase, and there is a 90 or 180-day waiting period.

The purpose of the waiting period set by the insurance company is to prevent the policyholder from taking out insurance immediately knowing that an insured accident will occur, that is, to prevent malicious insurance fraud and insurance with illness, so the insurance company has the right not to bear the responsibility of paying insurance benefits if he gets sick during the waiting period. On the one hand, the insurance company sets the waiting period to protect its own interests, and on the other hand, it is also to protect the interests of the policyholder, otherwise the insurance company will eventually transfer the business risk by raising the premium. It's a rigorous mechanism.

If the diagnosis is confirmed during the waiting period of critical illness insurance, it can be divided into two situations according to the different products. During the waiting period, if the diagnosis of mild, moderate or moderate illness is confirmed due to reasons other than accidents, the premium paid will be refunded without interest, and the insurance contract will be terminated. If a mild or moderate illness is diagnosed during the waiting period, only the benefit will be terminated, and the critical illness benefit will remain in force; If a critical illness is diagnosed, the premium paid will be refunded and the contract will be terminated.

If you are hospitalized during the waiting period, you will not be able to cancel the contract, but the insurance company will not reimburse you for the medical expenses incurred during this period. In addition, if you have a chronic illness during the waiting period, the insurance company will also exempt you from liability for the chronic illness (i.e., it will not cover the disease).

Hello, the effective time of each product is different, some take effect the next day, and there are different observation periods after taking effect.

Different types of insurance take effect at different times.

You click on one of Zhongan's insurances.

Just because the policy is in force does not mean that the coverage is in force. For policies that do not require a waiting period, if there is an accident, it can be claimed immediately, but for policies that require a waiting period, the policy takes effect only means the beginning of the waiting period, and the insurance company will pay the claim after the waiting period

If it is an illness, there is a waiting period of 30 days, after which the insurance company will pay the compensation for the illness.

However, in the case of an accident, the insurance company will pay the compensation immediately after the policy is in effect.

Generally, it takes effect at 24 o'clock after the transfer is underwritten, and there will be a waiting period from the effective date, and only accidents will be covered during the waiting period.

Medical insurance generally has a 30-day waiting period, while critical illness insurance has a 90-day or 180-day waiting period, depending on the type of insurance.

You can read the terms and conditions of the insurance contract in detail.

Zhongan Insurance's claim settlement time generally depends on the information provided by the insured, if the information provided by the insured is relatively complete, then the claim time is relatively short, and the claim can be obtained within 10 days after the information is reviewed. If the information provided by the insured is not complete, then it may be necessary to resubmit the new claim information during the claim process, which will lead to a longer claim time.

However, generally speaking, the longest claim time will not exceed 30 days, if the claim has not been claimed after more than 30 days, then the insured can communicate with the claims adjuster of Zhongan Insurance. It is recommended that you consult the claims adjuster of Zhongan Insurance before applying for a claim to see what claim information you need to accurate, so that you do not need to submit the information repeatedly in the process of claiming, and the speed of claim settlement will be much faster.

After purchasing Zhongan insurance, it usually takes a few weeks to make a claim, and it will not exceed 30 days at most.

Claims are usually available within 30 days, but if this time period is exceeded, then contact customer service directly to expedite the process.

You have to wait 10 days before you can make a claim, because it usually takes 10 days to complete the work procedures.

Summary. Dear, I'm glad to answer this question for you. After the purchase of Zhongan insurance, it generally takes effect 24 hours after the transfer underwriting, and there will be a waiting period from the effective date, during which only accidents are covered, and the insurance company will not make a claim for non-accidents such as natural illness, and only when the waiting period is over, the insurance company will give the corresponding amount of claims.

Effective 24 o'clock after the transfer is underwritten, there will be a waiting period from the effective date, and only accidents will be covered during the waiting period. Medical insurance generally has a 30-day waiting period, and critical illness insurance has a 90-day or 180-day waiting period. <>

Hello, I asked if my daughter can be reimbursed for buying Chinese medicine in the community outpatient clinic.

Dear, I'm glad to answer this question for you. After the purchase of Zhongan insurance, it generally takes effect within 24 hours after the transfer underwriting, and there will be a waiting period from the effective date, during which only accidents are covered, and the insurance company will not make a claim for non-accidents such as natural illness, and only when the waiting period is combined with a macro bundle, the insurance company will give the corresponding amount of claims. Effective 24 o'clock after the transfer is underwritten, there will be a waiting period from the effective date, and only accidents will be covered during the waiting period.

Medical insurance generally has a 30-day waiting period, and critical illness insurance has a 90-day or 180-day waiting period. <>

Dear, your daughter can be reimbursed for buying Chinese medicine in the community outpatient clinic. It usually depends on the type of insurance you buy at the time. If you are covered by the insurance, you can be reimbursed.

If you have already purchased, you can directly ** the salesman you bought before the reimbursement, and he will further evaluate. If he is reimbursed, he will ask you for information about your medical treatment. After purchasing commercial medical insurance, once there is a claim, it is necessary to report to the insurance company in a timely manner, and consult the claims office Gao Dou needs information.

I'm going to buy my daughter for inpatient care and emergency medical insurance. Can I be reimbursed if I buy Chinese medicine at the local community outpatient clinic?

Are we talking about Zhongan Insurance?

Or is it insurance company commercial insurance?

Dear, Zhongan Insurance can be reimbursed for buying Chinese medicine in community outpatient clinics

Do I need to choose the type of insurance I need to purchase? Or just submit it.

Dear, just submit the <> directly

When will I be reimbursed? Is it okay to be a date after the waiting period?

Yes, after the waiting period is over, the insurance company will give the corresponding amount of the claim<>

Hello, thank you very much for your question, basically it is a one-year term, and the products of Zhongan Insurance are guaranteed for one year and one year, as follows: 1. Zhongan Million Medical Insurance 2022 is a million medical insurance, which is a non-guaranteed renewal, that is, a product that pays for one year and guarantees for one year. 2. Zhong'an Million Cancer Prevention Medical Insurance 2022 Edition is a cancer prevention medical insurance, which is only reimbursed for cancer medical treatment, and is not guaranteed to be renewed, and the product is guaranteed for 1 year and 1 year.

3. Zhong'an Exclusive e-Life Million Medical Insurance 22 Edition is a non-guaranteed renewal of the Million Medical Insurance, which is also paid for 1 year and 1 year. 4. Exclusive e-life Whole Family Bucket is a million-dollar medical insurance that can be shared by the whole family, non-guaranteed renewal, paid for 1 year and 1 year. 5. Zhong'an Million Comprehensive Accident Insurance is a product that covers accidental death and disability, traffic accidents, new crown protection, optional family accident protection and sudden death, non-guaranteed renewal, and is a one-year insurance product.

6. The exclusive e-life comprehensive accident insurance is a comprehensive accident insurance, which covers death and disability, traffic accidents, accidental medical treatment, sudden death, vaccine accidents and infectious disease death for more than two people, and pays one year for one year. 7. The protection provided by Zhongan Critical Illness Insurance (Preferential Version) is critical illness, mild illness and special illness protection, which is insured for 1 year for 1 year. 8. Zhong'an Critical Illness (Multiple Claims Version) is a critical illness, mild illness and special illness protection, with a death burial, non-guaranteed renewal, 1 year of insurance.

I hope mine can help you and have a great life!

Summary. Hello, Zhongan Insurance has a protection period of one year, and the premium is paid once a year, and the policy can be renewed up to the age of 105 of the insured.

Hello, Zhongan Insurance has a protection period of one year, and the premium is paid once a year, and the policy can be renewed up to the age of 105 of the insured.

However, whether the insurance can be renewed at the end of one year still needs to be based on the insurance company's underwriting conclusion, and because the premium for the renewal of this insurance will be adjusted, whether you can accept the premium and continue to buy it is also related to your comprehensive consideration.

The advantages of Million Medical Insurance are low premiums, full coverage, and high sum insured, but renewal is a problem and there is usually a deductible.

Generally speaking, Zhongan Insurance takes effect from 0:00 on the next day after the policyholder submits an application for insurance and the insurance company agrees to underwrite, establishes the insurance contract, collects the initial premium and issues the insurance policy, and the specific effective date of the contract will be written on the insurance policy. Unless otherwise agreed, the date on which the insurance company commences to assume the insurance liability is the date on which the contract comes into effect. As for whether to settle the claim after it takes effect, how to settle the claim, and when to start the claim, it depends on how the contract stipulates.

If you buy sickness insurance, there will generally be a waiting period, and the insurance company may not pay the insurance if the insurance is caused by a non-accident during the waiting period. Therefore, if it does not take effect, you will definitely make a claim if you get sick. Regarding the issue of waiting period insurance, you can click on this link to learn more:

During the waiting period, the insurance company will not pay? If you don't understand, you'll suffer a big loss!

Taking Zhong'an Critical Illness Insurance (Multi-Claim Version) as an example, the waiting period for this product is 90 days, which is relatively short among critical illness insurance products. The waiting period for critical illness insurance in the market is generally set at 90 days or 180 days. Under the pre-excavation draft with other equal conditions, it is natural that the shorter the waiting period, the greater the chance that the consumer will get the compensation.

However, when we apply for critical illness insurance, in addition to the waiting period, it is more important to pay attention to the protection liability. Many friends want to know how to buy a good critical illness insurance in a loose car, and the senior sister has prepared an insurance guide for everyone:A good critical illness insurance policy looks like this!

You've been lied to for so many years.

As for the claim process, there are actually some issues to pay attention to. If the insured is in danger during the insurance period, you must report to the insurance company and apply for compensation within the time limit agreed in the contract. In addition, in the process of making a claim, we must prepare all the required materials and follow the process of the contract, otherwise the insurance company may not make a claim.

Hope.