Good medical insurance long term medical care can not be bought How to solve it

Xueba talks about insurance, focusing on insurance product evaluation! I have evaluated the hot medical insurance in the market in the past two years, and the overall is still good:A comparison table of the latest medical insurance and good medical insurance

Good medical insurance long-term medical insurance is an Internet celebrity million medical insurance, and now it has been upgraded to the 2020 version, which has attracted the attention of many people, but after my day and night evaluation, I found that this product still has these shortcomings, and the details are listed in my article:How much does it cost for a year for good medical insurance long-term medical care 2020

It analyzes in detail the protection content, advantages and disadvantages of long-term medical insurance, and how to reimburse if there is an insurance.

1. Good medical insurance 2020 version, pay attention to these changes

Let's compare the 2018, 2019 and 2020 versions to see what changes have been made to the terms

Directly from the conclusion, through comparison, it can be seen that the new version of good medical insurance has not changed much, mainly in:

Optional Liability Cancer Overseas ** has been added, which can reimburse up to 2 million** expenses, at a rate of 70%;

The liability for new crown pneumonia has been increased, and a one-time compensation of 100,000 yuan will be paid for confirmed critical cases.

Second, Alipay's good medical insurance has been quietly upgraded, is it still worth buying?

The upgraded long-term medical insurance retains the advantages of the original version, but the health notification program is more standardized and clear, and it has become more stringent. If you have some minor physical problems, carefully check the health notice and try to choose a product with a loose health notice.

So, in addition to good long-term medical insurance, are there any other medical insurance that is worth buying? I compared the million-dollar medical insurance products that sold well on the market in 2020, and because of the poor display, you can take a look at this2020 Inventory: The Most Recommended Medical Insurance in 2020!

It recommends cost-effective and reliable medical insurance products on the market.

That's all for me"Good medical insurance long-term medical care can not be bought How to solve it"All, look!

Medicare reimbursement is made after discharge or transfer. Settlement procedures for inpatient and special disease outpatient clinics**: Before the 10th of each month, the designated medical institutions shall report the cost statement, hospitalization statement and relevant information of the discharged patients in the previous month to the medical insurance agency, and the medical insurance agency will review and use it as the basis for monthly advance allocation and year-end accounts;

Good Medical Insurance Long-term Medical Insurance is a million-dollar medical insurance launched by the Alipay platform and underwritten by Chinese People's Health Insurance Company, which aims to solve the problem of expensive medical treatment for consumers. Although the long-term medical treatment period of good medical insurance is 1 year, it can guarantee 6 years of renewal. It is reported that good medical insurance long-term medical insurance can pass on the risk and avoid the risk of serious illness or accident that puts the whole family in financial difficulties.

From the analysis of the protection level of long-term medical care of good medical insurance, this insurance has the characteristics of strong protection, high insurance amount, and 6-year guaranteed renewal without worry. Buying a good medical insurance for long-term medical care can achieve the purpose of not increasing the burden on the family and reimbursing expenses other than medical insurance. Not only that, the green pass service of this insurance can help the insured to accept ** as soon as possible, and arrange specialists** and hospitalization is very much in line with the actual needs of consumers.

Overall, good medical insurance long-term medical protection is still very substantial, and most consumers can meet their needs.

Reliable.

Good medical insurance long-term medical insurance is a million-dollar medical insurance for PICC, which can be purchased through Ant Insurance. This kind of insurance has been approved, and it is a good million medical insurance, this kind of insurance is short-term insurance, and it is a consumer-based insurance insurance, that is, it pays for one year and guarantees one year. This type of insurance calculates premiums based on age.

Meaning:

Good Medical Insurance Long-term Medical Insurance is a serious illness medical insurance launched by Chinese Health for users of Alipay insurance platform, which can reimburse personal out-of-pocket medical expenses outside medical insurance. It can reimburse inpatient medical expenses, special outpatient expenses, outpatient and emergency expenses before and after hospitalization, and outpatient surgery expenses. Good medical insurance long-term medical products are guaranteed to be renewed for 6 years, and users do not need to worry about the stability of protection within 6 years, and they can be renewed according to the rate table at the time of application.

Good medical insurance long-term medical insurance is quite reliable and worth buying. Advantages of good medical insurance long-term insurance:

1) Cheap and cost-effective!

The biggest selling point of million medical insurance is the cost performance, low premium, high insurance amount, full protection, good medical insurance has been achieved.

Low premium, high sum insured: A premium of only a few hundred yuan per year can leverage a maximum of 4 million sum insured. During the insurance period, the maximum amount of reimbursement for inpatient medical expenses is 2 million; If it is a serious illness such as cancer, then it can be reimbursed up to 4 million yuan for medical expenses in hospitalization.

Full protection: The protection of good medical insurance includes expense advance, critical illness allowance, green pass before critical illness, purchased drugs, proton heavy ions, etc. What's more intimate is that Good Medical Insurance 2020 has also increased the pneumonia insurance benefit: if you suffer from critical pneumonia, you can pay 100,000 yuan in a lump sum.

Good medical insurance long-term medical insurance is quite reliable and worth buying. Advantages of good medical insurance long-term insurance:

1) Cheap and cost-effective!

The biggest selling point of million medical insurance is the cost performance, low balance of world premiums, high insurance amount, full protection, good medical insurance has been achieved.

Low premium rollover, high sum insured: With a premium of only a few hundred yuan per year, you can leverage a maximum sum insured of up to 4 million. During the guarantee period, the medical expenses of the hospital can be reimbursed up to 2 million; If it is a serious illness such as cancer, then it can be reimbursed up to 4 million yuan for medical expenses in hospitalization.

Full protection: The protection of good medical insurance includes advance payment, critical illness allowance, critical illness green pass, purchased drugs, proton heavy ions, etc. What's more intimate is that Good Medical Insurance 2020 also increased the credit and added the pneumonia-based insurance premium: if you suffer from critical pneumonia, you can pay 100,000 yuan at one time.

Reliable, "Good Medical Insurance Long-term Medical" insurance is jointly developed by Chinese People's Health Insurance Company and Ant Financial, and launched the first "Good Medical Insurance Long-term Medical" insurance with 6-year guaranteed renewal on the Alipay platform, which is also the Internet million medical product with the longest guaranteed renewal period.

With the continuous upgrading of insurance technology and services, partners such as Alipay and PICC Health have gradually built a good medical insurance and health insurance service system, including inpatient medical care, long-term medical care, and cancer prevention medical care, so that people of different ages can enjoy health security services conveniently.

Good medical insurance long-term medical insurance is underwritten by PICC Health.

PICC Health was established on March 31, 2005 with a registered capital of 8.5 billion yuan, and the company currently has branches in 25 provinces, autonomous regions and municipalities directly under the central government.

At present, the company's business is basically the same as that of mainstream life insurance companies.

From this point of view, the background of PICC is still relatively strong.

To see whether Ant Insurance's long-term medical care is reliable, it still depends on the solvency and risk rating of the insurance company.

PICC Health's latest solvency adequacy ratio, of which the core solvency adequacy ratio is 90%; The combined solvency adequacy ratio was 180 per cent.

Both of these meet the requirements of the China Banking and Insurance Regulatory Commission, which means that the insurance company is currently operating relatively stable, and there is no major business risk in a short period of time.

PICC Health's latest comprehensive risk rating is all B, which also meets regulatory requirements.

On the whole, Ant Insurance's long-term medical care is reliable, its current operation is stable, and it has the ability to bear the responsibility of claims even if it encounters extreme risks.

Therefore, good medical insurance long-term medical insurance is reliable, if you have any questions, you can directly find a daddy.

Good medical insuranceLong-term medical insurance is reliable. It is a million-dollar medical insurance of PICC, which can be purchased through Ant Insurance. This type of insurance is audited and is a good million-dollar medical insurance.

This type of insurance is short-term insurance, which is consumption-based insurance, that is, paying for one year and covering one year. This type of insurance calculates premiums based on age. You can calculate the insurance based on your age.

If you pay monthly, this situation is slightly more expensive than paying the premium on an annual basis, and you will pay dozens of dollars more. Insurance is estimated to be hundreds to thousands of dollars depending on age. The older you are, the more expensive the premium.

In short, this is a reliable medical insurance that can be purchased with confidence. However, there are several versions of this insurance, so you should fully understand the terms of the insurance and choose the one that suits you.

The million-dollar medical insurance products on the market are usually one-year short-term insurance products, which are no longer accepted for renewal when they are discontinued. The "Good Medical Insurance, Long Duration Medical Care" insurance launched by Chinese Health on Alipay clearly stipulates that the policyholder applies for this insurance for the first time.

Every 6 years from the effective date of the contract is a guaranteed renewal period, during which the insured's premium will not be adjusted or refused to be renewed due to health conditions or claims status, so as to fundamentally protect the long-term interests of the insured.

At the same time, the clause also clearly states that if the insurance is discontinued due to uncontrollable factors, the policyholder can apply for other medical insurance products of the company by way of renewal (no waiting period and no need to fill in the health notice again).

Good medical insurance long-term medical insurance is a million-dollar medical insurance launched by a treasure platform and underwritten by Chinese People's Health Insurance Company, which aims to solve the problem of expensive medical treatment for consumers.

Although the long-term medical insurance protection period is 1 year, it can be guaranteed to be renewed for 6 years, and the first Hu Nai has a guaranteed renewal version for 20 years, which is collectively referred to as good medical insurance long-term medical insurance by consumers.

So whether good medical insurance long-term medical insurance is reliable or not can actually be analyzed from two aspects: the insurance company and the product itself.

Good medical insurance is not a product developed by an insurance company, but a service brand of a certain treasure, on which there are multiple cooperative insurance companies, such as hospitalization medical insurance, critical illness insurance, etc.

It is now underwritten by Zhongan Insurance and PICC Health, and consumers can purchase these insurance products on Alipay's "Ant Insurance" interface as prompted.

PICC Health is the first professional health insurance company approved by the China Insurance Regulatory Commission, and Zhongan Insurance is the first Internet insurance company in China.

The content of the good medical insurance provided by Zhongan Insurance and PICC Health is the same, but the system will randomly assign an insurance company to the user when the user applies for insurance, which is not much different.

Let's take a look at the content of long-term medical insurance protection:

1. General illness and accident medical insurance of 2 million;

4 million medical insurance benefits for critical diseases.

Some types of diseases: malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass surgery, end-stage renal disease, multiple limb confirmation, acute or subacute serious illness hepatitis, benign tumors, etc.

On the whole, the strength of the underwriting company of good medical insurance is good, and the product protection is sufficient, which is worth seeing.