Ping An s universal little door Zhen reimbursed, Ping An universal additional hospitalization reimbu

Hospital grade: county level or above.

If you have a worry-free accident medical treatment, you can report it to the accident medical clinic. It's a fall injury, a dog bite of this kind of outpatient clinic.

I'm in Guangzhou, safe, and I don't know what to ask me.

No, because the fees for small outpatient clinics and the pricing of drugs are not standardized.

Universal insurance is to protect the death, it can only be said that you did not buy it right!

It cannot be reimbursed, and even if medical insurance is added, it can only provide a subsidy at the time of hospitalization.

You have to see if there is additional medical insurance on the contract, and you can only report if you have additional medical treatment, and if you are hospitalized, you must have hospitalization medical insurance to report.

Universal Insurance Liability: Death Benefit!

See if there is any additional health and medical insurance on the policy, and some can be reported.

Hello, take a look at the contract, the newspaper will definitely reimburse you.

1. Congenital diseases, please check whether there are any provisions in the liability exemption clause of the insurance clause, if so, it cannot be compensated;

2. Let's see if the insurance liability of Ping An Universal Insurance has a reimbursement for medical expenses;

Congenital diseases are denied, and universal insurance only pays for death!

The reimbursement of medical expenses is an additional medical insurance, as long as the main insurance is attached to the medical insurance, the medical expenses can be reimbursed; However, it must be covered by supplementary medical insurance. Congenital and hereditary diseases are not covered.

Hello! These are not reimbursable, those so-called critical diseases 28 for men and 30 for women, but do not include these common ** medical expenses, common ones are not reimbursed, unless it is the ones you say in the contract. If you don't understand something, you can ask your insurance person.

Miscarriage is not within the scope of reimbursement, and the reimbursement of normal maternity expenses must be made through social maternity insurance or commercial maternity insurance!

Miscarriage and the like are not covered by the compensation, and the hospitalization reimbursement will generally be reimbursed as long as the hospitalization is made, except for human reasons.

Hello! Based on your description, I understand that it should include a supplement for unexpected outpatient and inpatient expenses; Supplementation of hospitalizations for diseases; Accident and sickness hospitalization per diem. It's best that you find your ** person to explain your policy benefits to you again. This is something that needs to be reviewed often.

Although the accidental hospitalization medical treatment is complete, remember that commercial life insurance does not cover ordinary outpatient services, such as colds, coughs, suspensions, etc.!

No, these must be hospitalized, and accidents can be!

Yes, rural cooperative can be reimbursed according to a certain percentage, Ping An universal insurance, if there is medical treatment, it can be reimbursed proportionally, if not, only rural cooperative medical care.

Hemorrhoid surgery is not reimbursable. Medicine can be reported.

Reimbursement is certainly not available.

You will need maternity insurance to do so.

Yes, in order to enjoy maternity-related reimbursement, two conditions must be met at the same time: first, the cumulative time of paying maternity insurance has been accumulated for one year (there are slight differences in some areas);

Second, during the childbirth period, you must be in the state of employment and continue to pay maternity insurance premiums.

If you have already resigned, you will not be able to enjoy maternity insurance, even if you have paid maternity insurance premiums for many years.

It cannot be reimbursed because the pregnancy expenses are excluded by the insurance companies, and if you buy commercial maternity insurance, you can get a part of the reimbursement fee!

No. If there is a maternity insurance in social security, part of it can be reimbursed. Thank you! Good luck!

No, you have to look at the insurance liability of the contract, there are many bases for claims, you have to learn to chew the words, insurance can deceive people.

No reimbursement is possible.

If you have a child, you need to use maternity insurance to reimburse you, which is generally covered by social security.

If you don't have any special hospitalization, you can't report it.

Although Ping An's universal insurance has been discontinued on June 1, 2011, everyone's discussion of this product continues. Why should you be cautious about buying universal insurance? I compiled a book according to the bitter blood and tears of the people who came over, and if you want to know about it, you can take a look:

How much money can I make by buying universal insurance? Don't be sold, be happy.

Specifically, you can take a look at the contract description, if you want to have a further understanding of Zhiying life, you can read it below:

Let's take a look at the insurance liability of this universal insurance of Zhiying Life:

Death, critical illness, accidental disability and accidental medical treatment are all covered by Zhiying Life. In fact, universal insurance is bought by attracting people through such a cover-up method.

Let me take a closer look at this product

1.The main insurance is life insurance, and the death benefit = caring for humanity?

The insurance liability of normal life insurance includes death benefit and total disability benefit, but the insurance company will pay out for either of these two. However, Wisdom Life only has death benefit, which is not in line with our actual needs. Because behind the total disability means that he has no ability to work to earn living expenses and ** expenses for himself, these expenses are high, and he can afford them alone, so the financial pressure on the family will be great.

2.Income = Premium Paid * Interest Rate? Sure to make a profit or lose money?

But how can things be so beautiful! Actual Earnings = Annual Premium Paid into Universal Insurance Investment Account: Annual Premium Paid - Cost of Protection - Initial Charge) * Interest Rate.

Many people want to know how to calculate the income, and to calculate the income, it is first necessary to clarify which fees are to be deducted from this account.

(1) Guarantee cost

Wisdom Life turns the premiums into deposits, and then deducts the cost of protection from them. There is no way to fix the cost of protection, and if the risk of protection increases, it will lead to an increase in the cost of protection. As long as a certain age has passed, the cost of protection will skyrocket**.

(2) Initial cost

What is the initial cost? You can refer to the screenshot of the contract of Zhiying Life:

(3) Interest rates

The guaranteed interest rate of Zhiying Life is determined on the insurance contract, and although there is no upper limit on the interest rate, do not expect the interest rate to be particularly high.

In summary, the premium paid also needs to deduct the cost of protection, the initial fee, and the remaining money will generate compound interest at the end.

For more information about the benefits of Ping An Zhiying's life, I wrote in detail in this in-depth evaluation article, and if you want to know, you can take a look:In-Depth Evaluation|What is the pit in Zhiying's life? 》

3.Surrender = Timely Stop Loss?

Many people have already understood what the routine of Zhiying's life is when they see this, the premiums are actually deducted in this way, and the remaining premiums that can generate compound interest are really too little, and they want to surrender the insurance and get out of the car and leave. However, there is also a way to follow the surrender policy, and impulsive surrender may face financial losses. Want to learn how to surrender your policy appropriately?

Hope!

Hello. First, see if your contract has early payment critical illness insurance attached.

If it is attached, then Ping An will pay 28 categories of critical illness for men and 30 categories for women according to the medical certificate.

Malignant malignant tumor acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, end-stage renal disease (or chronic renal failure uremia stage), multiple limbs, absence of acute or subacute severe hepatitis, benign brain tumor, decompensated stage of chronic liver failure, sequelae of encephalitis or sequelae of meningitis, deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, severe Alzheimer's disease, severe brain injury, severe Parkinson's disease, severe Burns, severe primary pulmonary hypertension, severe motor neuron disease, loss of speech ability, severe aplastic anemia, aortic surgery, severe multiple sclerosis, severe type 1 diabetes mellitus, erosive molar pregnancy (female), systemic lupus erythematosus complicated by severe renal impairment (female), severe primary cardiomyopathy).

Second, because you said that it was a reimbursement for illness, I will tell you about the type of critical illness, and the other reimbursement may come from the reimbursement of your own hospitalization expenses for minor illnesses.

Then please take a look at whether there is an additional insurance in your contract to enjoy the hospitalization expenses of the health of life, this additional insurance is divided into paragraphs A, B, and paragraphs A are for those who do not have social security. Section B is for customers with social security.

If so, look at your servings. Here's how much we reimburse each (paragraph A).

Hospitalization expenses are limited to 6000

Of these, no more than 600 are outpatient visits

The cost limit for non-organ transplant surgery is 3000

Organ transplant surgery cost limit 20,000

Among them, hospitalization expenses include drug fees, nursing fees, bed fees, examination fees, special examination fees, ambulance fees, basically except for ** fees, no compensation, others are available).

I work in Ping An. If you need me, find me.

Take a look at your policy to make it clear, and then look at when the payment will be due

Definitely, if these two insurances cannot be reported, Xinsheng is critical illness insurance, and universal financial products cannot be reimbursed for hospitalization reimbursement. But with the addition of inpatient medical care, it's different.

Inpatient medical treatment is a reimbursement insurance for hospitalization, no matter what the disease, as long as the doctor makes the hospitalization **, it can be reimbursed, including colds. However, outpatient medical expenses alone are not reimbursed. I wish your mother a speedy and healthy life. If you have any questions, you can ask me.

No insurance company will cover general outpatient services! Universal insurance is deducted for life, and the annual deduction amount is **, so it is not suitable for people around 50 years old or above!

I can't be reimbursed for any outpatient and emergency services, and I bought the wrong insurance!

PICC Chinese People's Insurance Company - "Health Secretary" comprehensive insurance plan (outpatient emergency, critical illness, accident, hospitalization, accidental medical comprehensive coverage).

Shanghai Huakang Insurance**Company Exclusive**.

29 critical illnesses with a 60-day waiting period.

Insured age: 5 60 years old, renewable to 65 years old 1, outpatient and emergency medical treatment: each time limit of 800 yuan (special outpatient ** limit of 150 yuan), the annual cumulative 10,000 yuan (compensation ratio 90%)

2. Inpatient medical treatment: 30,000 yuan (zero free accompaniment, compensation ratio 100) 3. Critical illness: 100,000 yuan.

4. Death or total disability: 100,000.

5. Accidental death: 300,000.

6. Accidental disability: up to 300,000.

7. Accidental burns: up to 300,000.

8. Accidental medical treatment: 30,000 yuan (zero free accompaniment, compensation ratio 100) 9. Public transportation accident insurance: 500,000 yuan for aircraft; 200,000 for ships and rail transit; 100,000 cars.

The annual insurance premium is 4000 yuan.

It depends on whether she has additional hospitalization insurance.

This question is asked if you give it to the ** person. He knows best.