How about micro medical insurance insurance?

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1. General hospital medical careReimbursement of medical expenses incurred in general hospitalization, with a limit of 3 million, a deductible of 10,000 yuan, and a waiting period of 30 days.

2. Medical treatment for critical illnesses100 major diseases have been agreed upon, and medical expenses arising from ** agreed diseases will be reimbursed, with a limit of 6 million, 0 deductibles, and a waiting period of 30 days. There is also a hospitalization allowance for critical illness, which can be subsidized by 100 yuan per day, up to a maximum of 180 days per year.

It should be noted that general inpatient medical expenses and critical illness medical expenses only include the following aspects: inpatient medical expenses, special outpatient expenses, outpatient surgeries, and outpatient and emergency expenses for 7 days before and 30 days after hospitalization.

3. Optional Responsibilities:1. Designated disease special medical insurance premium: the limit is 6 million, the compensation ratio is 100%, and the bed fee is limited to 1500 yuan a day, and the premium will be more expensive with this liability; 2. Malignant tumor overseas medical insurance benefits:

The limit is 2 million, the compensation ratio is 70%, and the waiting period of 90 days can be underwritten, and this liability has been paid out of insurance, and the insurance cannot be renewed.

4. Value-added services:The value-added services included in Micro Medical Insurance 2020 include: rapid medical treatment for critical illnesses, advance payment of medical expenses, anti-cancer specific drug services, international second opinion services, etc.

5. Renewal conditions:Although the WeMedicaid 2020 Million Medical Insurance is not guaranteed to be renewed, and the policy can only be covered for one year at a time, it will not adjust the rate or refuse to renew the policy separately due to the insured's abnormal health condition or historical claim situation.

6. Reimbursement scope and ratio:The requirements of the hospital are the general department of a public hospital of the second level or above, except for those with special medical responsibilities. The scope and proportion of reimbursement for several basic responsibilities are the same, generally 100% reimbursement, but insurance at the social security rate, no social security is used at the time of settlement, and only 60% can be reimbursed.

It is also important to note that the medical reimbursement rate of proton and heavy ions, which is commonly used in cancer, is only 60%, which is a bit insufficient compared to other products with 100% reimbursement. Look

Xueba talks about insurance, focusing on insurance evaluation! How does micro-medical insurance compare with other popular million-dollar medical insurance in China? Here's a table for your reference:"Comparison Table between Micro Medical Insurance and Domestic Popular Million Medical Insurance".

Micro medical insurance is a million medical insurance, and Alipay's good medical insurance, Zhong'an's exclusive e-life is the same nature of insurance, jointly produced by Internet insurance companies and Tencent micro insurance, micro insurance is real and reliable, approved by the China Banking and Insurance Regulatory Commission.

From the above picture, we can clearly see the advantages of this product:

1.Abundant basic guarantees:Expenses incurred for inpatient medical care, outpatient medical care, outpatient care before and after hospitalization, and outpatient surgery are all included.

2.Complete value-added services:Value-added services such as quality heavy ions**, green channel for critical illness, and advance payment are readily available.

3.Premium** Low:There is social security at the age of 30, and the premium for the first year is 276 years, wow! It's really cheap, okay!

Of course, it also has these drawbacks:

1.Extracorporeal or implanted medical aids or appliances and their installation costs are excluded. The coverage items of micro-medical insurance do not include those items with higher costs, such as heart valves, heart stents, intraocular lenses, etc., which is relatively hidden and many consumers are unaware of it.

2.Overseas medical treatment and proton heavy ion**, reimbursement 60%-70%. Social security is unable to reimburse these two ** expenses, if you really use these two ** means, even if the individual only pays 30-40% is a huge amount of money, okay?

In addition, there are some shortcomings, which are inconvenient to disclose here, and friends in need can take a look at this article:"Micro Medical Insurance 2020, I have to say two words to you. Look

I think it's good to have a micro-medical insurance and a medical insurance package.

How about micro-medical insurance and medical insurance, it's not bad.

Recently, many fans of the popular medical insurance micro-medical insurance 2020 are chatting privately, and I asked if it is reliable. First of all, this product must be reliable, after all, the cost performance is really high, friends who are in a hurry may wish to compare it themselves: "Comparison Table of Micro Medical Insurance and Domestic Million Medical Insurance".

In fact, whether the insurance product is reliable or not, the key is to see whether this product is suitable for you, let's take a look at the performance of micro medical insurance in 2020.

1) Insurance rules

The insurance age is from 0 to 65 years old, the waiting period is 30 days, except for some high-risk occupations, and the renewal conditions are relatively relaxed.

2) Coverage content

The general hospitalization medical insurance amount is 3 million, the annual deductible is 10,000 yuan, the critical illness hospitalization protection is 100 diseases, and the insured amount of 6 million is 0 deductible, and the insured amount protection is still quite high.

In addition, general inpatient medical treatment and critical illness inpatient medical treatment can be reimbursedInpatient medical expenses, special outpatient and outpatient emergency services 7 days before and 30 days after hospitalizationThe basic guarantee is still very comprehensive.

3) Other benefits

Critical illnessMedical green pass, medical advance payment and anti-cancer special drugsand other value-added services are relatively rich, which can provide better medical services and first-class drugs. There are also 5 kinds of diseases with special medical insurance benefits and malignant tumors to go abroad for medical treatment, so you can enjoy better services. In addition, there is also a critical illness hospitalization allowance, which can be said to be very humane.

Conclusion

Micro Medical Insurance 2020 includes general medical care, critical illness medical treatment, special outpatient services, critical illness hospitalization allowance and other benefits, and can also be supplemented with overseas medical treatment for malignant tumors and special medical treatment for 5 special diseases. On the whole, the protection is very comprehensive, and the premium is relatively preferential in the market, which is suitable for most people to buy, but you should pay attention to these flaws before purchasing: "Micro Medical Insurance 2020, I have to say two words to you."

Conclusion: Micro-medical insurance is a million-dollar medical insurance launched on the micro-insurance platform, which is certainly true and reliable, but not necessarily suitable for everyone.

According to the protection period, micro-medical insurance million medical insurance can be divided into micro-medical insurance million medical insurance and long-term medical insurance.

Medical insurance usually has strict requirements for health status, and if you don't tell the truth, the consequences will be more seriousIf you don't tell the truth, can the insurance company definitely not pay you?

Taking micro-medical insurance long-term medical insurance as an example, let's take a look at what the protection content of TA is:

100% reimbursement of medical expenses for hospitalization due to illness or accident after deducting a deductible of 10,000.

Hospitalization for Critical Illness: Medical expenses for hospitalization due to 100 critical illnesses, with 0 deductible, will be reimbursed at 100%.

Special outpatient clinics: including kidney dialysis, chemotherapy, radiotherapy, organ transplant anti-rejection, outpatient surgery, etc.

Pre- and post-hospitalization outpatient services: Outpatient and emergency expenses are included for 7 days before and 30 days after hospitalization.

Critical illness hospitalization allowance: If you are hospitalized for 100 critical illnesses, you will be paid an allowance of 100 yuan per day according to the actual number of days of hospitalization each time, up to a maximum of 180 days during the contract period, which will be included in the annual sum insured.

Deductible decreasing: If there is no claim in the first two years of the policy, the deductible will be reduced by 1,000 yuan per year, with a minimum of 8,000 yuan, and it will be reset to 10,000 yuan after the claim.

Other benefits: 60% reimbursement of proton heavy ion radiation** costs.

Next, let's take a look at how the long-term medical insurance of micro-medical insurance performs compared to other products:

1. Micro-medical insurance is better than long-term medical insurance

Note: The deductible of micro-medical insurance refers to the annual deductible, not 10,000 yuan for 6 years.

Comparative conclusion:

From the perspective of protection, micro-medical insurance and good medical insurance are comparable, and the differences are mainly reflected in some details:

1. Premiums:

Good medical insurance: the premium is relatively low, sharing a deductible of 10,000 for 6 years;

Micro-medical insurance: increase the exemption of critical illness, and the hospitalization allowance of 100 yuan for hospitalization of critical illness will be increased.

2. Renewal:

Good medical insurance: After the expiration of the contract, even if the product is discontinued, you can renew the company's other medical insurance products without waiting period and health notice.

Micro-medical insurance: Stop selling and re-insuring other medical insurance products, which needs to be reviewed and approved by the insurance company.

In contrast, the overall premium of good medical insurance is low, but other benefits of micro-medical insurance also have characteristics, and you can decide how to choose according to your own needs.

However, there are some changes to the health notice of the 2020 model of micro medical insurance and good medical insurance, and you can check this article for details:Micro medical insurance 2020 compared with good medical insurance 2020, strong comparison evaluation!

2. Micro-medical insurance compared with 7 million medical insurance

In general, there is little difference between the long-term medical insurance and the compared products, the protection is relatively comprehensive, and the disease underwriting is relatively relaxed.

In fact, choosing a medical insurance mainly depends on 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, etc., and then choose according to personal needs.

Today, let's take a detailed look at the million-dollar medical insurance product of Micro Medical Insurance!

From the point of view of **, the critical illness protection diseases of micro-medical insurance are100 species, covering general hospitalization, critical illness hospitalization, special outpatient, surgical outpatient and pre- and post-hospitalization outpatient protection, medical expenses of more than 10,000 yuan can be reimbursed, so these basic benefits are still sufficient, but how do they compare with other popular million medical insurance? You can take a look at this article:"Comparison Table between Micro Medical Insurance and Domestic Popular Million Medical Insurance".

In addition to some of the above basic guarantees, this product also has these highlights:

There is a wide range of insurance ages: The mainstream million medical insurance on the market is limited to under 60 years old, but this product can be insured up to 65 years old.

Purchased drug coverage: For cancer, the cost of specific drugs prescribed by doctors outside the hospital can also be reimbursed.

However, this product also has some shortcomings, such as the renewal issue that everyone is most concerned about. Like many products on the market, WeHealth Insurance does not guarantee renewal, however, it will not individually adjust the rate or refuse to renew the policy due to abnormal health conditions or historical claims of the insured.

Overall, this is a good million-dollar medical insurance product that is worth buying. Here are also other cost-effective products for everyone, you can refer to it:The top 10 million medical insurance rankings are newly released!

When purchasing a million medical insurance, you need to pay attention to the following issues:

What is the warranty of the productSome products will reduce the coverage content.

2.Try to chooseHealth advice is simpleLiberal insurance conditionsOtherwise, you may not be able to insure if you are in poor health.

3.Choose to choose a product that will last longer, such as:Renewals are not reviewedGuaranteed renewalThis is conducive to delaying the insurance time, otherwise it will be difficult to apply for insurance if there is a claim or a change in physical condition.

Micro medical insurance is the main medical insurance product of micro insurance, but after the strict evaluation of Xueba, it is still found to have shortcomings, click for details:"Micro Medical Insurance 2020, I have to say two words to you.

First of all, let's look at the basic content of micro-medical insurance:

From the perspective of protection, the long-term medical insurance of micro-medical insurance is not much different from similar products on the market, hospitalization protection and value-added services are relatively comprehensive, and includes critical illness hospitalization allowance, if there is no claim in the first two years, the deductible can be reduced by 1000-2000 yuan, thereby reducing the claim threshold, which is also more distinctive.

In fact, in addition to this medical insurance, there are many other cost-effective millions of medical insurance on the market, and I have also sorted it out for you, after all, choosing insurance is to make a comprehensive comparison and comprehensive analysisThe top 10 million medical insurance rankings are newly released!

Here I have listed a comparison table of micro-medical insurance and good medical insurance, interested friends can compare and see, then I will focus on the protection content of micro-medical insurance.

The basic protection content has been listed in detail in **, so let me briefly talk about it:

Insurance Rules:

Age-wise:The 2019 version is only applicable to people aged 0-60, and the upgraded 2020 version can be relaxed to 65 years old for the first time.

The vast majority of high-deductible medical insurance on the market is only available to people before the age of 60, so this product is especially friendly to seniors over 60 who want to insure!

Professionally:As long as it is not a high-risk occupation, it can be insured, just like other million medical insurance.

Duration of protection and payment period:This product is a one-year medical product with a one-year coverage period, and the payment period can also be paid annually or monthly.

Maximum Renewal Age:If the physical condition allows, the insurance can be renewed up to the age of 100.

Waiting Period:As with most medical products, there are 30 days, after which the medical expenses incurred due to the disease can be reimbursed normally.

Pros:

1. Loose renewal conditions

Anyone with insurance knowledge knows how important renewal is for medical insurance, and Micro Medical Insurance 2020 does a good job in the renewal function, and after a claim occurs, it will not ask you to add money to renew the policy, nor will it refuse your renewal application.

2. Value-added services

The added value of this product is remarkable:

There is a hospitalization advance payment function:If it is a major disease or cancer, early chemotherapy + hospitalization + doctor consultation, the medical expenses may be hundreds of thousands or even hundreds of thousands, but ordinary salaried people cannot afford it, and it is very likely to be delayed**.

However, the 2020 version of the micro-medical insurance has a hospitalization advance payment function, which relieves the user's payment pressure, and allows users to treat diseases with peace of mind without considering the problem of not being able to pay large medical expenses.

Hospitalization allowance available:There is a critical illness hospitalization allowance insurance benefit, no deductible, 100 yuan a day, limited to half a year, that is, 18,000 yuan can be compensated, for patients, the problem of eating within half a year can be solved.

3. Abundant optional responsibilities

If consumers want to enjoy top-notch medical care, they can choose the designated disease special medical insurance premium, the two major responsibilities of the malignant tumor overseas medical insurance premium, the designated disease special needs refers to the special medical needs department, international department, and VIP department services of secondary or above public hospitals, and the malignant tumor overseas medical insurance premium is necessary and reasonable medical expenses incurred by hospitals in Asian countries or regions other than China, but only 70% of the reimbursement is reimbursed.

Isn't it perfect without flaws? No, Micro Medical Insurance 2020 made it clear that there is no medical reimbursement for ectopic pregnancy, and many millions of medical insurance can be reimbursed, which is really not friendly. So what are the disadvantages besides this?

Here I have written in detail, interested friends pick up:"Micro Medical Insurance 2020, I have to say two words to you.

However, in general, the cost performance of micro-medical insurance is not bad, and the underwriting details are relatively complete, except for the exemption of ectopic pregnancy, the overall is still okay.