Does Ping An e Life Insurance have real claim examples?

Of course, there is.

Insurance Claims Commonly used answers.

The most criticized is that many insureds are cautious when they encounter claims, for fear that they will not be able to get the claim money.

There is a skill in everything, and of course insurance claims are no exception. Let's take critical illness insurance claims as an example, Miki feels that the following points must be done:

1. Report the case. Reporting the case is the beginning of the claim, in addition to truthfully stating the accident, it is also good to consult the claim settlement process. The report should be concise and to the point, objectively stated, and the content that is subjective speculation should be less talked about, and the unfavorable words should not be said.

2. Cooperate with the case investigation.

After receiving the report, the insurance company usually dispatches the case to the claims adjuster, therefore, each claim case will have a claims manager, and the first thing the claims manager does after receiving the case is to understand the report information and policy information, and formulate a preliminary investigation and investigation plan.

An experienced claims adjuster will quickly know the specific direction of the investigation based on the insurance policy and the report information, for example, if the insured is seriously ill just after the waiting period, the key investigation direction is to apply for insurance with illness.

This stage is a key stage for both the insurer and the insured.

For insurance companies: it is necessary to characterize the case first, investigate whether the case is true, investigate if the case is in doubt, go to the hospital to check the insured's medical treatment or examination records, and if necessary, make a record of the insured. These efforts are all about re-gathering supporting evidence.

It is said that making a record is an interesting thing, and it is said that it is to understand the accident situation, but in fact, it is the process of digging a pit for the insured, not a question case, who uses the empty to make a record, how troublesome.

For the insured: in addition to reasonably cooperating with the insurance company's investigation (which is reasonable, not unconditional cooperation), it is also the process of collecting claim materials and evidence.

Of course, what claim materials are required, what is the claim process, and the time limit of claims can be asked to the claims manager or customer, and they are obliged to inform. Other claims techniques won't tell you, you'll have to find a professional helper to help you out.

3. Submit application materials.

Once the documents have been collected, it is time to submit them to the insurance company, and it is important to remember that the insurance company has one opportunity to ask the insured to supplement the documents (only once). They take it all at once, otherwise they can not cooperate.

4. Track the progress of the case.

After the data is delivered, it is time to track the progress, and the insurance company has a maximum of one month to make a claim conclusion, of course, if it is a normal simple case, the compensation will be paid soon, and if it is a complex case, the claim conclusion will be given within a month.

5. Dispute handling of claim cases.

There are 3 ways to deal with disputes in claim cases:

Complaint to the Insurance Headquarters: The service attitude and the time limit for claims settlement are more effective, and the dispute on whether to pay is limited.

Insurance Regulatory Commission: Similarly, the service attitude and the time limit for claims settlement are more effective, and the dispute on whether to pay for compensation is limited. It's just that the pressure on the insurance company is greater.

Court prosecution: Miki has said many times that insurance companies have always been very cowardly in front of the court, losing more and winning less, which is worthy of a good way, but what should be remembered is that when a lawsuit is filed, what is fought is evidence.

At last. Insurance claims are not that difficult, I'm afraid you don't understand.

e-life insurance has been guaranteed for 20 years, and it has not yet started to be sold in the market? Claims may not be settled until at least 30 days later.

Insurance is a contract, written in the contract, the internal contract clearly stipulates that you can't deceive people But you need to pay special attention to the following points, a, whether your health is passable, if your health does not meet, don't buy it, and the insurance company will not pay if you buy it.

b. Comply with the insurance company's process, report the case in a timely manner, submit complete information in a timely manner, and the hospital to be treated in accordance with the contract.

Summary. eHealth insurance medical insurance coverage.

General hospitalization. The sum insured is 2 million, and the medical expenses of hospitalization due to illness or accident will be 100% reimbursed after deducting the deductible of 10,000.

Hospitalization for critical illness. The sum insured is 2 million, and the medical expenses of hospitalization for 120 critical illnesses will be reimbursed 100% after deducting the deductible of 10,000 yuan.

Special outpatient clinics. Includes kidney dialysis, chemoradiotherapy, organ transplant anti-rejection, outpatient surgery, etc.

Pre- and post-hospitalization outpatient clinics.

Outpatient and emergency expenses for 30 days before and 30 days after hospitalization are included.

Proton heavy ions (optional).

The insured amount is 1 million, and the proton heavy ion ** expenses incurred in Shanghai Proton Heavy Ion Hospital will be reimbursed with 0 deductibles and 100 reimbursements.

Selected medicines (optional).

Eligible for specific drug expenses, 0 deductible, 100% reimbursement.

Critical illness special medical treatment (optional).

100% reimbursement of special medical expenses for 6 specific diseases, including inpatient medical care, designated outpatient and emergency medical care, and outpatient emergency medical care for 30 days before and after 30 days of hospitalization.

Medical treatment abroad (optional).

Medical expenses incurred in Asian hospitals such as Japan for specific diseases will be deductible with 0 deductible and 70% reimbursement.

Ping An e-life insurance in 2022 is a big **.

Hello, I am the co-teacher of Ask the Question, I am good at insurance analysis and planning, and I have been engaged in the insurance industry for 7 years now, and I am happy to serve you. [Insurance information inquiry is very time-consuming, after ten minutes your questions are very serious, please be patient and wait for ......Hunger.

Dear, it's not, Ping An e-Life Insurance 2022 Insurance has been upgraded compared to the previous one, and I have also claimed Ping An e-Life Insurance.

The customer suffered from cervical cancer and paid 100,000 yuan.

eLife insurance medical insurance coverage content General hospitalization insurance amount of 2 million, medical expenses for hospitalization due to illness or accident, after deducting the deductible of 10,000, 100% reimbursement Critical illness hospitalization insurance amount of 2 million, 120 kinds of critical illness hospitalization medical expenses, after deducting the deductible of 10,000%, 100% reimbursement Special outpatient includes kidney dialysis, chemoradiotherapy, organ transplant anti-rejection, outpatient surgery, etc Proton Heavy Ion Costume Fubi (optional) has an insurance amount of 1 million, and the proton heavy ion ** expenses incurred in Shanghai Proton and Heavy Ion Hospital, 0 deductible, 100 reimbursement Specific drugs (optional) meet the agreed specific drug costs, 0 deductible, 100% reimbursement Critical illness special medical treatment (optional) Special medical expenses for 6 specific diseases, including inpatient medical treatment, outpatient emergency medical treatment in the hall, and outpatient emergency medical care 30 days before and after hospitalization, 100% reimbursement Medical expenses in Asia such as going to Japan for specific diseases, 0 deductible, 70% reimbursement.

Value-added services: Green Pass for inpatient medical treatment (limited to 120 specific critical diseases, limited to 2 outpatient visits and 1 hospitalization), project management, and HRC

Summary. In terms of insurance content, Ping An e-Life Insurance Million Medical 2022 Upgraded Edition is relatively rich. Provide general medical insurance and medical insurance for 120 specific diseases, with a quota of 2 million yuan each.

The deductible is 10,000 yuan, and the part exceeding the deductible can be reimbursed. Medical insurance covers reasonable medical expenses incurred during the 30 days before and after special outpatient services, outpatient surgeries, and hospitalizations.

Hello Luna, happy to answer your questions. This is not **Oh, dear, I Li Zhen has made a claim for this insurance, my customer spent more than 110,000 yuan on hospitalization for cervical cancer, and the social security reimbursed less than 20,000 yuan, and finally Ping Na Da Rough An eHealth Insurance claimed more than 90,000 yuan.

It itself is a medical insurance, with a deductible of 10,000: that is, after the social security reimbursement, the remaining part needs you to bear 10,000 yuan, and 100% reimbursement will be given before the cover if it exceeds 100,000 things.

Ping An e-Life Insurance Million Medical 2022 Upgraded Edition can accept up to 65-year-old people to apply for insurance, and the insurance age is relatively wide. The waiting period is 30 days, which is not long, and it is also a more common setting of rolling mountain rolling gauges. The reimbursement ratio is 100%, and if you are insured by medical insurance (or publicly-funded medical care), if you are reimbursed without medical insurance (or public-funded medical care), 60% will be paid.

In terms of insurance content, Ping An e-Life Insurance Million Medical 2022 Upgraded Edition is relatively rich. Provide general medical insurance and medical insurance for 120 specific hardship diseases, with a quota of 2 million yuan respectively. The deductible is 10,000 yuan, and the part that exceeds the amount of the deductible can be reimbursed.

Medical insurance covers reasonable medical expenses incurred during the 30 days before and after special outpatient services, outpatient surgeries, and hospitalizations.

As an Internet-exclusive insurance product, Ping An e-Shengbo Vertical Insurance Million Medical Bend 2022 Upgraded Edition is a good thing for Internet users. ☺️

Summary. Hello, Ping An e-Life Insurance, there is no serious illness compensation, but there are medical expenses for covered illness or accidental hospitalization. Ping An's e-life insurance has the following benefits:

1. Cover the medical expenses of illness or accidental hospitalization; 2. The medical expenses of the insured person who is hospitalized due to cancer; 3. If the policyholder is diagnosed with cancer, he or she can pay an allowance of 10,000 yuan and waive the remaining annual premium during the guaranteed renewal period; 4. Cover the outpatient and emergency expenses of the insured for 7 days before and 30 days after hospitalization.

Hello, Ping An e-Life Insurance, there is no serious illness compensation, but there are medical expenses for covered illness or accidental hospitalization. Ping An's e-life insurance has the following benefits: 1. Covers the medical expenses of illness or accidental hospitalization; 2. The medical expenses of the insured person who is hospitalized due to cancer; 3. If the policyholder is diagnosed with cancer, he or she can pay an allowance of 10,000 yuan and waive the remaining annual premium during the guaranteed renewal period; 4. Cover the outpatient and emergency expenses of the insured for 7 days before and 30 days after hospitalization.

That is to say, if you are insured with Ping An's e-life insurance, the insurance company can only reimburse the medical expenses if you have an illness and go to the hospital**. However, there is no serious illness compensation, if you suffer from a serious illness, but do not go **, and do not incur medical expenses, the insurance company will not compensate.

Ping An e-Life Insurance is a medical insurance product launched by Ping An Health Insurance Company, with a relatively low insurance threshold and a relatively high coverage amount. The policyholder is aged 28 days to 60 years old and can be renewed up to 99 years old. The insurance period is 1 year, which can be automatically renewed or actively renewed; The waiting period for insurance is 30 days.

Ping An e-Life Insurance 2017 Insurance Liability.

1. General medical insurance.

Reimbursable general medical insurance benefits include: inpatient medical expenses, designated medical outpatient expenses, and outpatient and emergency expenses for 7 days before and after hospitalization, which are 100% covered within the annual limit.

2. Medical insurance for malignant tumors.

The medical expenses caused by malignant tumors include: inpatient medical expenses for malignant tumors, special outpatient medical expenses for malignant tumors, and outpatient and emergency expenses for seven days before and after hospitalization for malignant tumors.

In terms of insurance content, Ping An e-Life Insurance (2017 Edition) is very similar to Zhong'an Privilege e-Life, with a more obvious difference in that it has more outpatient and emergency expenses for 7 days before and after hospitalization, and outpatient and emergency expenses for 7 days before and after hospitalization for malignant tumors. >> difference between e-life insurance and exclusive e-life.

It is also worth emphasizing that the maximum number of days of benefit for hospitalization due to illness or accident is 180 days in each policy year, and medical expenses incurred in excess of 180 days of accumulated illness or accidental hospitalization are not covered by insurance.

In terms of the sum insured, in addition to the 1 million version, there is also a 3 million version of Ping An e-Life Insurance (2017 version). Among them, the premium of the 3 million version of Ping An e-life insurance (2017 version) is only a little more expensive than the 1 million version, less than 100 yuan, on the one hand, it shows that the probability of using 3 million is very small, and on the other hand, it also shows that the 3 million version is worth buying. Regarding the deductible, Ping An e-Life Insurance (2017 Edition) is also an absolute deductible, that is, a deductible of 10,000 yuan after social security reimbursement.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Ping An e-Life Insurance is a good medical insurance for millions.

Ping An e-Life Insurance is a million-dollar medical insurance Sobi, which can definitely provide good protection for the insured. Million Medical Insurance has attracted countless consumers by virtue of its low premiums and high reimbursement amounts. Ping An e-Life Insurance Long-term Personal Hospitalization Medical Insurance guarantees that the policy will not be renewed due to the health condition of the insured during the renewal period, but the reinsurance must pass the review after the renewal period expires, which is considered a minor defect.

In order to improve its market competitiveness, the million-dollar medical insurance on the market will reimburse the outpatient and emergency expenses for 7 days before and 30 days after hospitalization. Ping An e-Life Insurance is more considerate and can reimburse outpatient and emergency expenses for 30 days before and after 30 days of hospitalization, which can help patients reduce a lot of burden and is very humane. Generally speaking, the older you are, the higher the incidence of disease, and the more you need a good million-dollar medical insurance to protect yourself.

The meaning of insurance

The significance of insurance is mainly to provide the necessary protection, risk planning, rational allocation of funds, and leverage. Provide necessary protection: insurance can provide protection for common accident, health, death and other risk factors, which can reduce risk losses and effectively resist risks; Conduct risk planning:

Individuals or families can use insurance tools to plan their lives and transfer possible risks in advance.

Reasonable allocation of funds: insurance has a certain investment nature, and can be passed on by designating beneficiaries, which is a tool for allocating funds; Leverage: Insurance can exchange a relatively small premium for a higher sum insured, which is leveraged and enables the insured to obtain better protection.