Why is there more and more medical insurance for millions, and how should you choose?

With a few hundred dollars per year, you can have millions of sum insured. The ultra-high leverage ratio and low premium are favored by many people.

Million medical insurance also occupies a very important position in the insurance allocation. The coverage includes general inpatient medical expenses and major inpatient medical expenses.

When purchasing Million Medical Insurance, you need to pay attention to the following contents:

1. Guarantee content.

It is necessary to pay attention to the deductible regulations of the product, as well as the three contents of special outpatient services, outpatient surgery, and pre- and post-hospitalization outpatient and emergency services.

There is also a proton heavy ion** medical expenses are 100% reimbursed, proton heavy ion** is currently the world's most cutting-edge tumor radiation ** technology, which can be accurately located, and the radiation to healthy tissues is less than traditional radiotherapy.

2. Value-added services.

For example, the advance payment of inpatient medical expenses and the reimbursement ratio of purchased drugs are all contents that need to be paid attention to.

Among them, the purchased drugs refer to targeted drugs for cancer, because they are very expensive, many hospitals in small and medium-sized cities do not have enough targeted drugs, and patients can only purchase drugs from outside the hospital. For more information about value-added services, please see this article: "Medical value-added services of medical insurance, which ones are more practical for us?"

3. Renewal conditions.

Million Medical Insurance is not guaranteed to be renewed for life.

Therefore, once there is a problem with our health condition, and the millions of medical insurance purchased are discontinued, it is not easy to pass the health notice of a new product.

Therefore, when choosing million medical insurance, you should not only look at the protection liability, **, exemption clauses, renewal clauses and other conventional content; It is also necessary to assess the stability of the product, that is, the renewal conditions of the product and the risk of discontinuation.

However, no one can guarantee the stability of the product.

Generally speaking, it can be evaluated from these aspects: whether the product sales are large enough, whether there are enough healthy individuals to join, whether the pricing is reasonable, the conditions of the insurance company, etc.

The sum insured and premium are not the most important thing, the most important thing is the guaranteed renewal clause. There are 3 aspects of the guaranteed renewal clause.

1. In the event of a claim or change in personal health, the insurance will not be rejected when renewing.

2. In the event of a claim or change in personal health, there will be no additional fee for the individual when renewing the policy.

3. The suspension of insurance can directly renew the insurance and replace the subsequent insurance type, and the insurance will not be denied.

Meet the above 3 guaranteed renewal conditions, and then consider the sum insured and premium.

There are still a lot of people who ask questions about medical insurance, and 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 Complete! Comparison Table of Popular Million Medical Insurance in China

It is generally recommended to buy medical insurance before buying commercial medical insurance. Medical insurance is the most basic guarantee, which is a welfare policy for the people, cheap and there is no insurance limit, almost anyone can buy it. Commercial medical insurance is a supplement to medical insurance, and medical insurance can reimburse a wide range, and some items that cannot be reimbursed by medical insurance can be reimbursed by medical insurance.

For example, special medical treatment, high-end **, imported drugs, etc.

At present, 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

Almost every age group is suitable for buying millions of medical insurance, because it has a high reimbursement amount, ** is also very cheap, and there is no limit to the types of diseases reimbursed, a few hundred yuan a year can have millions of protection, very cost-effective. Moreover, its insurance content is also very comprehensive, such as bed fees, nursing fees, surgery fees, drug costs, material costs, etc., can be reimbursed.

Here's a comparative analysis of some typical million-dollar health insurance:

We can understand by **.

(1) Good medical insurance:This is a 6-year guaranteed renewal, which is the best one for renewal conditions at present. 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 post-operative home care, oncology specialty services, and increased family sharing deductible options.

(3) Micro-medical insurance:Added value-added services for international second care.

From the above content, we can know that each product has its own product characteristics, and when choosing to buy a product, you can choose it in combination with your own needs.

In addition to these few and a lot of millions of medical insurance products worth buying, friends who want to know can take a look at the original article:"Super Conscience! These millions of medical insurance are really worth it

2. Hospitalization medical insurance

The main features of hospitalization medical insurance: relatively low deductible and low reimbursement amount. 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 babies and the elderly are weaker and more likely to be infected by viruses and bacteria and have a cold and fever, it is relatively meaningful to buy this insurance.

3. Cancer prevention medical insurance

x09 Because most of the hospitalization medical insurance and million medical insurance are limited to 0-65 years old, the older ones cannot be insured, and they can be insured for cancer prevention medical insurance.

Cancer medical insurance only covers cancer-related content, and this insurance does not have such strict requirements for age and health. 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, here are some more worthwhile cancer medical insurance products, you can make a reference, if you need it, you can also collect it:Amway of conscience! Top 10 popular cancer prevention medical insurance products worth buying!

There are many million medical insurances, how should people choose? Keep these points in mind!

The sum insured and premium are not the most important, the most important thing is the guaranteed renewal clause.

In the event of a claim or a change in your health, renewal is guaranteed.

There is no individual surcharge for the renewal benefit.

The insurance type can be renewed and replaced in the future.

Just find one with high sales volume and complete insurance liability.

Is it difficult to choose a cost-effective million-dollar medical insurance? It's not that hard, just remember these 4 points to help yourself avoid most of the pitfalls in the product! If you have any other questions, don't forget to ask me.

What is Million Medical Insurance and why is it cost-effective and widely loved by the public?

The main pitfall of million medical products is the deductible of 10,000 yuan. For example, if you spend 30,000 yuan on hospitalization (most of the hospitalization expenses are below 30,000 yuan), the employee medical insurance will reimburse you 70% (under normal circumstances, even if the threshold fee self-financed drugs are all counted, the reimbursement ratio can reach 70% or even more, of course, unless you use all self-financed drugs), so that you only need to bear 9,000 medical expenses, and the deductible of this insurance is 10,000.

This means that you don't get a penny to settle the claim. For another example, if you are very seriously ill and spent 300,000 yuan on hospitalization (the probability is quite low and quite low, you can ask your acquaintances, how many of the 100 spend 300,000 yuan on hospitalization), excluding medical insurance reimbursement and medical subsidies for serious illnesses, the part you bear is only 30,000 or 40,000 yuan, and then subtract 10,000 yuan of deductible, and the insurance company only pays 20,000 or 30,000 yuan. But you think, after all, you can still get a claim of 20,000 or 30,000 yuan, which is not bad.

Oh, the reality is not so ideal, a person who promises to be healthy at the time of insurance, why not have such a serious illness within a year and even need 300,000 medical expenses, eighty percent of the insurance is sick, so the insurance company will investigate, once you find out your previous medical information, it will refuse to pay for the reason of not telling the truth. What should you do at this moment, will you hire a lawyer to sue the insurance company for the compensation of 20,000 or 30,000 yuan?

The vast majority of them will not, at most they will quarrel, and if the insurance company thinks that they are reasonable, they will not pay attention to you at all; Even if the insurance company knows that it is not reasonable, at most it will pay tens of millions of dollars in the form of negotiated claims. That is to say, in a very high probability: 1,000 people buy this kind of insurance, and the insurance company earns 500,000 premiums, and the claims it needs to pay may be less than 50,000.

Of course, we won't talk about extreme cases.

In short, it is necessary to buy, but it is not that the higher the amount, the better, 1 million is already very high, how many people can spend more than one million in a year? So any higher it becomes a gimmick......Don't spend too much money for an excessively high amount. Unless it is high-end medical care, star-rated medical services can also be reimbursed.

Million medical care is to buy the highest insurance with the least amount of money, and the share of insurance can be as high as millions. Because the money spent is very small, but the amount of insurance is very high, it is a very good choice for ordinary families.

This is a kind of medical insurance, which contains many medical items, so people are willing to buy it, and the cost performance is indeed relatively high.

An insurance product with an insured amount of 1,000,000. Everyone gets sick, and if you get seriously ill, then you can get the insurance payout, and you can reduce your burden.

Is Million Medical Insurance Reliable? How to buy million medical insurance cost-effective? I'm Deep Blue Insurance, focusing on insurance evaluation! Pay attention to Deep Blue Insurance, teach you to buy insurance and not pick pits

Recently, since many friends and colleagues are consulting some medical insurance issues, today I will briefly talk to you about some of Xiaobai's views on medical insurance.

First of all, let's sort out a misunderstanding, I have social security, why do I need to spend that money to buy medical insurance?

Social security is actually the most basic reimbursement type of medical insurance provided to us by the state, and the scope and amount of insurance are very limited, which is cheaper and does not refuse insurance due to personal health conditions. However, in the event of some major illnesses, social security can only reimburse a very small part of the expenses, and other expenses need to be borne by individuals. For example, cancer, in addition to the part of social security reimbursement, there is also a large part of the expenses that need to be borne by family members, and there are some advanced means, such as targeting** social security is not reimbursed, so it is not enough to rely on social security alone.

So what problems should we pay attention to when we buy medical insurance?

Xiaobai summed up a "nonsense": give preference to products with a wide range of coverage, high insurance amount, and can be renewed, of course, the lower the deductible, the better, and the premium should be cheaper.

Wide coverage and high sum insured.

Nowadays, many insurance companies have launched "million medical insurance", and the products on the market are dazzling, such as Ping An e-life insurance, China Life such as e-Kangyue, Taibao Lexiang million medical insurance, Zhong'an exclusive e-life, micro-medical insurance and so on.

Many products are basically promoting millions of medical treatment, but there are still a lot of differences in the details of the insurance, for example, although they are all insured for inpatient medical treatment, some will have a limit on the number of days of hospitalization, some will reimburse the outpatient and emergency expenses for 7 days before and after hospitalization, some can reimburse ambulance expenses, and some have green medical channels, and there are also some differences in the protection of some special ** for major diseases, such as radiation for cancer, targeting**, etc.

Renewal issues. When it comes to renewing insurance, there are three details that need to be paid attention to.

First, whether there will be a change in the rate.

Second, whether there is a risk of suspension of sales.

Clause. 3. If a claim occurs during the previous insurance period, will it affect the renewal of the policy?

Clause. 4. Whether the renewal needs to be re-examined.

Deductible: There are medical insurance deductibles with 0 deductible at all, 0 deductible for critical illness, and limited annual deductible.

The deductible is divided into a single deductible and an annual deductible, for example, a single deductible of 10,000 yuan, which means that no more than 10,000 yuan per visit is not compensated; The annual deductible is 10,000 yuan, that is, the cumulative cost of medical treatment in 1 year is less than 10,000 yuan. For example, Xiao Zhang, unfortunately ill, ** fee in addition to social security reimbursement, self-payment of 15,000 yuan, assuming that all expenses are within the scope of the medical insurance he purchased, but because the terms stipulate an annual deductible of 10,000 yuan, then the medical insurance can only be reimbursed 5,000 yuan. The deductible for the current year has already been deducted, so the insurance company does not need to deduct the deductible next time if the medical expenses occur again.

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