Which is better, long term medical care for 6 years or 20 years?

1. Good medical insurance long-term medical treatment for 6 years and 20 years.

As we can see from the above, whether it is a 6-year version or a 20-year version, the coverage content is similar, and it can cover general hospitalization, critical illness hospitalization, special outpatient services, outpatient surgery, and outpatient and emergency services before and after hospitalization.

Except for the most obvious difference between the guaranteed renewal period of 6 years and 20 years, the general hospitalization sum insured of the 20-year version of Good Medical Insurance Long-term Medical Care is 4 million, which is higher than the general hospitalization sum insured of 2 million in the 6-year version.

Next, let's compare the differences between the two products in detail.

2. The difference between 6 years and 20 years of long-term medical care with good medical insurance.

1. The waiting period is different.

The waiting period refers to a period of time when the insurance is just purchased, and if an insured accident occurs, the insurance company will not pay for it.

The waiting period is 90 days for the 20-year version and 30 days for the 6-year version. For us, the shorter the waiting period, the better, and in terms of this waiting period, the 6-year version is better than the 20-year version.

2. Deductibles are different.

The deductible is the starting line of the insurance company's compensation, and the insurance company can only reimburse the part that exceeds the deductible. You will be responsible for any expenses incurred within the deductible.

The annual deductible of the 20-year version of Good Medical Insurance Long-term Medical Care is 10,000 yuan, which is shared by general medical care and critical illness medical care.

The 6-year version has a cumulative deductible of 10,000 yuan for 6 years, and 0 deductibles for hospitalization for critical illness.

From the perspective of deductibles, the claim threshold for the 20-year version is a little higher than that for the 6-year version.

3. The reimbursement ratio of purchased drugs is different.

The maximum reimbursement ratio for purchased drugs for the 20-year version of Good Medical Insurance Long-term Medical Care is 90%, while the maximum reimbursement ratio for the 6-year version is 100%.

From the perspective of the reimbursement ratio of purchased drugs, the 6-year version is higher than the 20-year version.

4. The outpatient emergency protection time before and after hospitalization is different.

The 20-year version of Good Medical Insurance Long-Term Medical Insurance covers outpatient and emergency expenses for 30 days before and after hospitalization, while the 6-year version only covers outpatient and emergency expenses for 7 days before hospitalization and 30 days after discharge. In this regard, the 20-year version has a longer coverage period.

5. The renewal conditions are different.

From the perspective of renewal conditions, the 20-year and 6-year versions are good, but the only difference is that the 20-year version needs to be reviewed after the expiration of the 20-year period.

In case your health deteriorates after 20 years and you can't pass the health notice, you won't be able to continue to renew your policy.

Even if the 6-year version expires and the product is not taken off the shelves, the renewal does not need to be reviewed. In this way, the renewal conditions of the 6-year version are more friendly.

I think that good long-term medical care should be better for 20 years, because the louder people get older, the more likely they are to get sick.

Good Medical Insurance Long-term Medical 20-year Edition is a medical insurance that guarantees 20-year renewal, and the insurance mainly focuses on the renewal time, so that people feel that the stability of this product is better, and there is no need to worry about being rejected in a short time.

However, the 20-year version of long-term medical insurance is different from other million-dollar medical insurance, it focuses on the protection of specific drug costs, and the national supply of drugs, new drugs, and cancer drugs that are not available in hospitals can be reimbursed, reducing the economic pressure of buying drugs. The 20-year version of Long-term Medical Insurance and the 6-year version of Long-term Medical Insurance are both medical insurance products of PICC Health, each with its own characteristics, and the latter is a product that guarantees 6-year renewal.

Medical insurance refers to social medical insurance. It is a social insurance system for the basic medical needs of workers when they are sick in accordance with laws and regulations.

[Legal basis].

Article 28 of the Social Insurance Law of the People's Republic of China in line with the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and medical expenses for emergency and rescue shall be paid from the basic medical insurance in accordance with national regulations. Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance agency and the medical institution and the drug business unit.

The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places to facilitate the insured persons to enjoy basic medical insurance benefits. Article 30 The following medical expenses are not included in the scope of payment of basic medical insurance**

1) It should be paid out of work-related injury insurance**;

2) It shall be borne by a third party;

3) It should be borne by public health;

4) Seeking medical treatment outside the country.

Medical expenses shall be borne by the third party in accordance with the law, and if the third party does not pay or the third party cannot be determined, the basic medical insurance shall pay in advance. After the basic medical insurance** is paid in advance, it has the right to recover from a third party. Article 31 According to the needs of management services, social insurance agencies may sign service agreements with medical institutions and drug business units to standardize medical services.

Medical institutions shall provide reasonable and necessary medical services to insured persons.

Good medical insurance, long-term medical care for 6 years. The underwriting age of long-term medical insurance for 6 years and 20 years is 0-60 years old, and the willingness to be reimbursed needs to be in the general department of a public hospital of the second level or above. However, the waiting period for the 6-year version is 30 days, and the waiting period for the 20-year version is 90 days, compared to the shorter waiting period for the 6-year version of the Good Medical Insurance long-term medical insurance, which is more beneficial to the insured.

Meaning:

The 6-year version guarantees 6-year renewal, and the renewal does not need to be reviewed at the expiration of the protection period, while the 20-year version also guarantees 20-year renewal, but the renewal needs to be reviewed at the expiration of the protection period. In general, the 6-year version and the 20-year version of the two products, both have their own characteristics, the 20-year version has advantages in guaranteeing the renewal period, but the 6-year version of the renewal period does not need to be reviewed, so each has its own advantages. However, when insurance products are updated and iterated, there will always be better products available.

Hello, good medical insurance long-term medical care for 6 years and 20 years actually has its own advantages, and the specific choice of which one needs to be decided according to our own actual situation.

If you want to know what medical insurance you can buy, you can click to make an appointment for 1-to-1 insurance planning service, and Deep Blue Insurance Concentrate Insurance Broker will provide you with professional advice.

People under the age of 50: It is recommended to give priority to products with a 6-year warranty, and there is no need to review them after expiration. Because people under the age of 50, we still have decades in the future, if you buy a product for 20 years, after a serious illness in the middle of the life, you can't buy it anymore when the renewal is due.

People over 50 years old: It is recommended to give preference to products that are 20 years old. With an average life expectancy of 70 years old, the elderly over 50 years old can buy a million medical insurance for 20 years, which can protect the most vulnerable stage of illness, and there is no need to worry about the product being discontinued.

In general, there are slight differences between the 6-year and 20-year long-term medical treatment of good medical insurance in terms of protection content and renewal conditions, the 20-year version is better in terms of protection, but the 6-year version is better.

To buy millions of medical insurance, you should look at it according to your own needs, combine your age and protection needs, and then choose the product that suits you, and the product that suits you is a good product!

Legal analysis: The difference between the 20-year version of good medical insurance long-term medical insurance and good medical insurance is:1

There is a difference in the coverage period, the long-term medical insurance of Good Medical Insurance can be insured for one year (renewable up to the age of 100), and the 20-year version of Good Medical Insurance Long-term Medical Insurance has a coverage period of one year (20 years of guaranteed renewal); 2.There is a difference in the waiting period, the waiting period for the long-term medical insurance is 30 days, and the waiting period for the 20-year version of the long-term medical insurance is 90 days (there is no waiting period for accidental injuries); 3.There is a difference in deductibles, good medical insurance long-term medical insurance shares a deductible of 10,000 yuan for six years (0 deductible for critical illness), and the annual deductible for the 20-year version of good medical insurance long-term medical insurance is 10,000; 4.

There are differences in the scope of coverage, good medical insurance long-term medical insurance can cover general illness and accident medical insurance benefits, 100 kinds of critical illness medical insurance benefits, 100 kinds of critical illness allowance insurance benefits, proton heavy ion medical insurance benefits, malignant tumor special drug services; The 20-year version of the long-term medical insurance covers inpatient medical expenses (including proton heavy ions), outpatient medical expenses, out-of-hospital malignant tumors, and 100 critical illness allowances.

Legal basis: Regulations of the People's Republic of China on Basic Medical Insurance for Urban Employees

Article 28 The personal account is used to pay for medical expenses outside the scope of the overall payment; If the personal account is insufficient to pay, the person shall be responsible for it.

Article 29 The medical expenses for hospitalization for serious illness** shall be paid in accordance with the following methods:

1) In principle, the minimum payment standard shall be controlled at 9-11 of the average annual social wage of employees in cities, counties and autonomous counties in the previous year.

2) In principle, the maximum payment limit shall be controlled at 3-5 times the average annual social wage of employees in cities, counties and autonomous counties in the previous year.

3) Medical expenses above the minimum payment standard and below the maximum payment limit shall be mainly paid by the overall plan, and a certain proportion shall be borne by the individual. Appropriate consideration is given to the proportion of medical expenses borne by retirees.

The scope of serious illness, the specific standard of the minimum payment standard and the maximum payment limit, and the proportion of medical expenses above the minimum payment standard and below the maximum payment limit shall be determined by the provincial people.

Article 30 Medical expenses below the minimum payment standard and above the maximum payment limit shall not be paid by the overall plan.

Following the launch of Ping An's medical insurance that guarantees 20-year renewal, Good Medical Insurance, as an "Internet celebrity", is not to be outdone, and has launched a 20-year version of Good Medical Insurance Long-term Medical Insurance.

So is it really worth buying the 20-year version of the long-term medical insurance that can guarantee the renewal of the 20-year medical insurance?

Senior sister first on the 20-year version of the product evaluation chart of the long-term medical insurance of medical insurance.

Good medical insurance long-term medical insurance 20-year version.

After reading the product map of the 20-year version of the long-term medical insurance of medical insurance, we can find that its protection content is still very richLet's take a look at what it has to offer:

1. Guaranteed renewal for 20 years

The 20-year version of long-term medical care can be insured for 20 years, and in these 20 years, even if the product is discontinued, the protection is still effective.

However, it should be noted here that the 20-year renewal insurance needs to be re-reviewed by the insurance company.

2. Share 4 million sum insured

The sum insured of the 20-year version of the long-term medical insurance is shared, with a total of 4 million.

Whether it is general medical treatment, critical illness medical treatment, or proton heavy ion, the maximum compensation for a single item is 4 million.

3. The rate is adjustable

Good Medical Insurance Long-term Medical Insurance 20-year version, during the guaranteed renewal period, the insurance company has the right to adjust the premium.

The characteristics of the 20-year version of good medical insurance long-term medical insurance are very prominent, but it can't hide its shortcomings:

1. Insufficient protection for purchased drugs

We all know that most of the purchased drugs are expensive, and the financial pressure is very great for ordinary families.

However, the 20-year version of the long-term medical insurance of good medical insurance only reimburses 90% of the purchased drugs, and the insurance amount is 2 million, which is slightly insufficient in this regard.

2. There is a deductible for critical illness medical treatment

At present, most of the million-dollar medical insurance products have 0 deductibles for critical illness medical treatment, but the 20-year version of the long-term medical insurance for good medical insurance has to share a deductible of 10,000 yuan.

The 20-year version of good medical insurance long-term medical insurance is really can't help but pick, in addition to these shortcomings that can't be concealed, the most pitiful places are hidden here:

The 20-year version of good medical insurance long-term medical insurance hides such a cat!

Answer: Million medical insurance is actually one of the medical insurance, the reason why it is called million medical insurance, because it has a low premium, high insurance amount, up to one million reimbursement, and can also reimburse self-financed drugs, imported drugs, ICU room fees, surgery fees, nursing expenses and other expenses of medical insurance. It is currently the most common type of medical insurance, and it is also a type of insurance that many ordinary people are willing to buy.

Most of the deductibles for millions of medical treatments on the market are 10,000 yuan, and it is precisely because of this deductible that the insurance company's claim rate is much less. Therefore, consumers only need to spend a few hundred yuan to enjoy millions of medical insurance.

How does Million Medical pay?

Since the million medical insurance is medical insurance, it is also a reimbursement payment, which means that you need to pay the money first and then take the invoice to pay. Therefore, no matter how high the sum insured, the reimbursement amount will not exceed the total cost. Have you ever thought about what you will do when the doctor informs you that you need to pay tens of thousands, hundreds of thousands?

Is it an insurance policy? I'm sorry that the hospital didn't admit it, so I called the insurance company and said that I was out of danger and needed money! The insurance company will say:

Dear, what about your invoice? At the end of the day, you will find that you still need to borrow money, ask people, and then take the invoice to the insurance company for reimbursement, and if you can't raise that much money, then the millions of medical insurance you buy will not work. Then you will think that insurance is really too bad.

Actually, it's not an insurance pitfall, but you don't understand the meaning of reimbursement. It's your ** person who hasn't talked about how to reimburse at all, and it's also that this company's products are really inhumane. If you really want to use 1 million medical expenses, is it difficult to sell your house to raise medical expenses?

There is not even an add-on effect of an advance payment, only to tell you that you have a reimbursement amount of several million. It's just beautiful to look at, but it's useless.

Most of the hospital restrictions of medical insurance are public hospitals, and even if you are seriously ill for one year, the maximum cost may be millions, far less than 3 million or 8 million. This is just a marketing gimmick, and the actual significance is not very large.