If I buy insurance online in Zhongan, if I am not sick, will the money be paid in vain?

What products are worth buying in Zhong'an are summarized in this article, and if you are interested, you can take a look".Zhongan Insurance, how is it, what products are there, which one is good, what are the pitfalls and routines, in-depth analysis

If you purchase returnable critical illness insurance, regular return life insurance or participating insurance, etc., you can return a certain premium if you do not have an insurance during the protection period, and if you purchase consumer-based critical illness insurance or medical insurance or accident insurance, the premium paid is equivalent to the money consumed and will not be refunded to you. There is also an in-depth understanding of the difference between consumption and return insurance through this article:What is the difference between consumption and return insurance?

Which is the best deal?

You can see the premium calculation column, you only need to pay about 300 yuan per year to buy exclusive e-students, the premium is not expensive, even if you don't return it, there is no problem, after all, a major principle of protection is to protect first and then manage money, buy insurance is to buy a guarantee, don't be dazzled by the word "return", and don't be scared off by the word "consumption", the most important thing is whether the protection you need is complete. Look

Depending on what type of insurance, in addition to return-type insurance and participating insurance, if there is no sickness insurance for other types of insurance, there is no money to return.

Buying insurance is spending money to buy health and safety. If you pay for the doctor, the insurance company will go out of business.

Yes, if there is no disease. It's a vain relationship, but it also reports a lifetime of peace.

If the family conditions are well-off, buy medical insurance, and do not get sick, it is equivalent to spending money to buy safety, and it is worth it

Buying insurance is not to make you sick, but a kind of protection for your future life is in case you get sick, you can. Insurance helps you pay for this money, if you don't have ice, this is a guarantee to yourself, why do you have to be sick to be considered to use mold in vain? This kind of thinking is not right.

Look at what type of insurance you are buying In terms of the type of insurance, there are generally yes.

Accident Insurance, Medical Insurance, Critical Illness Insurance, Life Insurance, Annuity Insurance.

Generally, in addition to medical insurance, it is pure consumption, and everything else can be consumption, return, savings, and of course, universal insurance.

It depends on the specific insurance product you buy, and I can make you a detailed policy list.

I am a professional insurance broker, not affiliated with any insurance company, and can provide objective and fair insurance advice, including plan formulation, product screening and later claim services. Questions can be followed by consultation.

Zhongan Insurance itself is a property insurance company, what you are talking about may be a critical illness, that is, millions of medical insurance, really, the insurance is a guarantee, if there is a disease, according to the agreed proportion of reimbursement, that is, to provide you with a risk protection, how can this be considered a blank delivery, I think you still need to have a clear understanding of insurance.

It depends on the type of insurance you buy, if it is consumer-based, it is to pay for one year of insurance, and if there is no claim, the money will not be refunded to you.

If you buy a balanced premium, the fixed amount of premiums, how many years to pay for life or decades, this type of insurance generally has a certain cash value, and if you surrender the policy, you will return part of the money.

Yes. If you take risks in a different way, you won't lose. One moment he got a serious illness, and the other he lost his arm.

It depends on what kind of insurance you have bought.

No, at least bought a lesson.

This is absolutely impossible to be effective, because insurance companies are not stupid, and if everyone buys insurance immediately after finding out that they are sick, then the insurance company will lose a lot of money。No matter which insurance you buy, no matter which insurance company you choose, all insurances related to illness cannot take effect immediately, there is an observation period in between, this observation period may be a few months, it may also be a few years, depending on our insurance, this observation period is set differently.

As long as the observation period has not passed, there is no way to get compensation for illness, and at most you can only refund the premium you paid. The reason for this setting is to prevent people from buying insurance after finding out that they are sick, and then they can get paid by the insurance company as they wish. No matter what the insurance company says, it is also for the purpose of making a profit, and it is impossible to do this kind of loss-making business, and naturally there can be no such loophole.

If it is a pure accident insurance, such an observation period will not be set up, because we cannot ** for accidents.

However, this incident also reminds us of ourselves, that is, when buying medical insurance, we must take a look at the observation period in advance, after all, we are not covered by the protection during the observation period, and we also need to pay the premium on time, and some insurance companies set up a very long observation period, even as long as one or two years. Isn't this a direct loss of two years' premiums? In addition, there are many pitfalls in the insurance for illness, such as some critical illnesses.

It is a lump sum payment.

This means that after being diagnosed with a critical illness, you will be given all the benefits at once, and then you will have nothing to do with the insurance company, and the insurance contract will be terminated. There are also some insurance plans that only cover critical illnesses and do not cover mild and moderate illnesses, so this coverage also has certain shortcomings. Therefore, when we buy insurance, we should take a closer look.

This should not be effective, because if you just got sick and bought it, maybe this insurance is still not effective, so you must buy it early, then this is effective.

If it is medical insurance, if you are in the hospital and undergoing surgery, you must not be able to buy it, even if it is a minor illness, you can only buy it after you are cured, then if it is a critical illness insurance cancer insurance, if you are only a minor illness, such as appendicitis, it will not affect your purchase of critical illness insurance under normal circumstances.

This depends on the actual situation, and it should be specified according to the specific situation of each company, and generally the materials are submitted first, and the claim will be made after the insurance company verifies it. For example, the general process of Happy Life Insurance Company is to submit the information first, and then the insurance company will accept it, and when the information is complete, they will review it and then pay the insurance money.

Summary. Hello, dear. One yuan per month on the Internet Zhongan insurance, it is true, but only the first month of 1 yuan, the second month will be dozens or hundreds of yuan, the insurance company is reliable, but the way of publicity is a little out of context Zhongan Insurance Company was established in 2013, with a registered capital of 100 million, which is also considered to be wealthy, and the overall career is on the rise.

Zhongan is mainly engaged in life insurance, critical illness insurance, medical insurance, accident insurance and other types of life insurance business.

Is it true that the online one-dollar Zhongan insurance per month is true?

Hello, dear. It is true that Hengyuan Zhongan Insurance is a monthly shot on the Internet, but it is only 1 yuan for the first slippery month, and it will be dozens or hundreds of yuan in the second month, the insurance company is reliable, but the way of publicity is taken out of context Yizhongan Insurance Company was established in 2013, with a registered capital of 100 million, which is also considered to be rich and rich, and the overall career is on the rise. Zhongan is mainly engaged in various life insurance businesses such as life insurance, critical illness insurance, medical insurance, and accident insurance.

The reason why the first month is only 1 yuan, the main chaotic answer must have the following reasons: 1. The first month of insurance is still in the waiting period, and the insurance company will not pay for the insured bridge insurer due to non-accidental accidents, so the probability of insurance is very low. 2. To attract consumers, the general million-dollar medical insurance will cost hundreds of yuan even if young people are insured.

If there is a monthly filial piety to pay 1 yuan, it is really attractive. And for those who don't know much about insurance, they may be misled into insurance.

Hello dear! Zhongan Insurance can also be insured if it is sick, but not all diseases can be insured, for example, if Yansun You is just a minor illness such as a cold, it is not insured by Ying Kai Duan Xiang, but if it is a major illness such as a malignant tumor, then it will definitely not be insured

If it is a minor illness such as a cold or hemorrhoids that can be cured quickly after **, then it will not affect the insurance; 2.If it is a polyp disease such as gastric polyps, then if all the polyps have been removed, the pathological examination results are benign, and the healing is more than two years without **, it can be covered as standard, otherwise there is a possibility of exclusion or even refusal of insurance, for example, if the pathological examination results are malignant, then it cannot be insured; 3.If it is a malignant tumor, a serious illness such as Dasanyang, then it cannot be insured.

In addition, if it is a disease that does not require health notification, then the insured person will not be affected by the insurance regardless of whether he or she is sick or not. All in all, when purchasing insurance for health notification, the insured only needs to truthfully inform himself of the actual situation, after all, it is not that he must not be able to buy it as long as he is sick, and there is still the possibility of exclusion of underwriting, extension of underwriting, and additional underwriting.

If I buy Zhongan Illness Insurance, under what circumstances will I not make a claim?

Hello dear! There are several situations in which Zhongan Insurance does not make claims: 1

Not covered. This also fully shows that most people buy insurance in a hurry when they don't know about the protection at all, and only find out that something is wrong when they make a claim. Each type of insurance has its own coverage, such as Zhong'an's Million Dollar Medical Insurance, which mainly covers inpatient and outpatient stool flushing.

2. No compensation for pre-existing conditions. Medical insurance will generally state that pre-existing conditions before the insurance is not covered. However, it needs to be reminded that if your pre-insurance illness has been completely **, it will have no effect.

3. Accidents during the waiting period. For example, critical illness insurance generally has a 90-day waiting period, and if you get sick within these 90 days, you can't pay for it. 4. Failure to truthfully inform about health.

Before applying for insurance, the insurance company will ask about the past health status, and if you conceal the notice, there will be a risk of refusing to pay in the future. 5. Not within the guarantee period of the contract. For example, medical insurance has its own protection period, which is generally paid for one year and one year, and it is not compensable if it is not within the insurance period.

6. No compensation for liability exemption. Insurance contracts have exclusion clauses, which we need to know that the situation in the exclusion clause is not compensated.

Summary. Dear and Kiss, Million Medical's claim process: 1. After the accident, call the insurance company** as soon as possible to contact the relevant staff, report the case and apply for a claim; 2. Prepare materials according to the requirements of the insurance company, and send the materials to the insurance company by yourself or by entrusting others, including insurance purchase certificates, case certificates issued by designated medical institutions, etc.; 3. The insurance company strictly reviews the information; 4. If the materials provided meet the requirements and the accident meets the insurance content, the insurance company will notify the applicant and pay the insurance money.

I have invested in Zhongan Insurance, I have no money to be hospitalized, can Zhongan Insurance pay the medical expenses first?

I am very happy to answer for you, I have invested in Zhongan Insurance, I have no money to be hospitalized, can Zhongan Insurance first pay the medical expenses of the royal manuscript Zhen Bixiao, dear, I have invested in Zhongan Insurance, there is no money to be hospitalized, Zhongan Insurance can't pay the medical expenses first, ordinary Huiyu million medical care is impossible to pay the medical expenses directly After taking the ticket to reimburse, only high-end medical insurance can have the function of paying medical expenses directly. <>

Kiss and make a claim process for millions of medical treatments: 1. After the accident, call the insurance company** as soon as possible to contact the relevant staff, report the case and apply for a claim; 2. According to the requirements of the insurance company, the materials shall be sent to the insurance company by the applicant or by entrusting others, including the certificate of insurance purchase, the case certificate issued by the designated medical institution, etc.; 3. The insurance company strictly reviews the information; 4. If the materials provided by ZhiTravel meet the requirements and the accident meets the insurance content, the insurance company will notify the applicant and pay the insurance money.

Is Zhongan Insurance sick? Can you buy it, is it safe.

Hello dear! I'm glad to answer for you: Zhong'an Insurance can buy safe if you are sick, but not all diseases can be insured, for example, if it is just a minor illness such as a cold, it will not affect the insurance, but if it is a major disease such as a malignant tumor, then it will definitely not be able to be insured.

When purchasing insurance for health notification, the insured only needs to truthfully inform himself of the actual situation, after all, it is not that he must not buy it as long as he is sick, and there is still the possibility of exclusion coverage, extended coverage, and additional dust cost coverage.

Qinzhongan Insurance is the first Internet insurance company, established in October 2013, is a company approved by the China Banking and Insurance Regulatory Commission, which is rotten registered capital of 100 million yuan, headquartered in Shanghai. The company has strong shareholders, including Ant Technology Group, Ping An Insurance Group of China, and Shenzhen Tencent Computer System, which are very strong, of which Ant Group Li Leak is the parent company of ZFB, China's largest mobile payment platform, and the world's leading financial technology open platform.