Ping An e Life Insurance refuses to pay after one year of renewal, saying that there is no health no

Everyone wants to live a peaceful life, but the social and economic development is getting faster and faster, and the pain and suffering are also increasing, and many people choose to buy insurance in order to better share the riskAfter the insurance is out of the insurance, if the insurance company refuses to pay because there is no health notice, the premium cannot be recovered, because health notification is a very serious matter. If you can't make insurance reimbursement because of your own problems, you are likely to be suspected of insurance fraud and need to bear legal responsibility.

I hope everyone can buy insurance rationally.

1. How important is health notification?

We all know that there is always a questionnaire before buying any insurance.

This is what we know as health advice. Health advice is a good way to screen patients because we all know the critical illness insurance from insurance companies.

And medical insurance has very strict insurance requirements, if you are suffering from a disease, want to buy insurance to go to **, everyone is like this, how can the insurance company still stand, so we must be truthful before insuring the insurance, only in this way can we better protect our legitimate rights and interests.

2. Why are insurance companies so strict about health notification?

We all know that insurance companies are operating organizations and not charities, only by controlling the claims rate can we better control the expenditure, if they themselves have a little problem, the probability of occurrence must be much higher than that of healthy people, insurance companies in order to better control their own claims rate, so they will inform the health and control it so strictly.

3. How should we buy insurance that suits us?

We all know that there is no most suitable reinsurance company to buy insurance must understand the corresponding terms in a timely manner, for the insurance company's salesman, we should look at it rationally, only the contract prevails to better safeguard our legitimate rights and interests, I hope everyone can buy some commercial insurance in a timely manner.

to protect your own life.

In this case, the premium should be refunded in full, and if it is not refunded, sue the insurance company.

The premium will be refunded to you, if you surrender the policy, you should get the premium back with the insurance company, if you don't give it, you can complain to them online, or you can go to the local CBRC to complain about them.

It should be refunded to you, and if it is not refunded to you, you can go and sue them in law.

Ping An e-Life Insurance cannot be claimed under the following three circumstances:

1. If the medical expenses incurred by the insured during the waiting period, the insurance negotiation company will not be liable for the insurance;

2. If the insured does not truthfully inform the health status, the insurance company will verify the health notice at the time of insurance.

3. If the exemption content stipulated in the contract is denied, the compensation will be refused, such as: the policyholder's intentional killing or intentional injury to the insured, the insured's fighting, drunkenness, active drug use or injection, etc.

Ping An's e-life insurance is Ping An of China.

One of its products is a mid-to-high-end hospitalization medical insurance, and if it is reimbursed, it is not limited to social security drugs and the number of deductibles. And it can be insured 28 days after birth, and the coverage period is one year, general medical treatment and malignant tumors.

All pay out 1 million.

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.

The surrender method of Ping An e-Life Insurance is as follows:

1. The policyholder first calls Ping An Insurance.

**, contact the customer service to explain that the insurance needs to be surrendered;

2. Then bring the relevant insurance information to the business outlets of Ping An Insurance to handle the surrender business;

3. Ping An Insurance will verify the information after receiving it, and then refund the premium within 30 days.

Due to the major changes in the rights and interests of the insured, the surrender must be handled with the ID card of the applicant or the principal.

The original and surrender transfer account to avoid financial losses, followed by the 10-day hesitation period.

The policy can be surrendered in full, and there will be changes after exceeding, please consult the handling staff for details, Ping An e-Life has a hesitation period, and the full premium can be refunded if the policy is surrendered during the hesitation period, and the cash value of the policy can only be refunded after the hesitation period.

Therefore, whether the difference between surrender during the hesitation period is still relatively high, and it is not recommended to greatly block the surrender of the policy after the hesitation period.

Summary. Hello dear, happy to answer your <>

Ping An e-life insurance can be renewed after getting sick, Ping An e-life insurance is a million medical insurance, and it can be renewed in the event of a claim, ensuring that the insurance company will not affect the renewal of the insurance within 6 years due to health status and claims; The non-guaranteed renewal version needs to pass Ping An's intelligent underwriting system, and the insurance can be renewed if it is passed, but it cannot be renewed.

Can Ping An e-Life Insurance be renewed after getting sick?

Hello dear, happy to answer your <>

Ping An e-life insurance can be renewed after getting sick, Ping An e-life insurance is a million medical insurance, and it can be renewed in the event of a claim, ensuring that the insurance company will not affect the renewal of the insurance within 6 years due to health status and claims; The non-guaranteed renewal version needs to pass Ping An's intelligent underwriting system, and the insurance can be renewed if it is passed, but it cannot be renewed.

Ping An e-Life Insurance 2022 reimbursement deductible of 10,000 yuan and 5,000 yuan is optional, and the excess part is fully reimbursed, including surgery fees, imported drugs, self-paid drugs, nursing drugs, bed fees, hospital meal expenses, ambulance use fees, diagnosis and treatment fees, and examination fees. The product form of Ping An e-Life Insurance 2022 is based on the upgrade of Ping An eHealth Insurance 2020, compared with the previous version, Ping An eHealth Insurance 2022 includes proton heavy ion medical treatment and out-of-hospital special drugs, and expands the number of out-of-hospital special drugs to 105.

After Ping An e-Home Insurance makes a sick claim, it is necessary to determine whether the policy can be renewed according to the specific situation.

Ping An e-Home Insurance can also be renewed in the event of a claim, ensuring that the renewal version will not affect the renewal of the insurance company within 6 years due to health conditions and claims; The non-guaranteed renewal version needs to pass Ping An's intelligent underwriting system, and the insurance can be renewed if it is passed, but it cannot be renewed. Ping An e-life insurance reimburses the deductible of 10,000 yuan, and the excess part is fully reimbursed, including surgery fees, imported medicines, self-paid medicines, nursing medicines, bed fees, hospital meal expenses, and ambulances.

Usage fee, medical fee, and examination fee.

The original intention of insurance is to have a stable and reliable guarantee, and later developed into a security mechanism, becoming one of the main tools for life financial security planning, is the market economy.

The basic means of risk management under conditions are an important pillar of the financial system and the social security system. The basic function of insurance is financial compensation.

and compensation payment, and derivative functions include investment and financial management.

and disaster prevention and loss prevention.

Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

The function and significance of insurance mainly lies in the fact that it can provide the necessary protection, carry out risk planning, rationally allocate funds and have leverage, as follows:

1. Provide necessary protection, insurance can provide protection for common accident, health, death and other risk factors, can reduce risk losses, and effectively resist risks;

2. Carry out risk planning, individuals or families can use the insurance tool for life planning.

transfer possible risks in advance;

3. Reasonable allocation of funds, insurance has a certain degree of investment, and can be carried out by designating beneficiaries for wealth inheritance, which is a tool for allocating funds.

General medical insurance has the problem of not being able to renew, and Ping An e-Life Insurance 2017 is the same, although the terms can be renewed without review, but the premise is that the product is not discontinued, and it cannot be renewed after the cessation of sales. If you want to guarantee the renewal, e-life insurance has launched an e-life insurance (guaranteed renewal version 2020), which is guaranteed to be renewed for 6 years, so you don't have to worry about stopping sales. And this dad has done a review before, you can take a look:

Is it still worth choosing after the upgrade of Ping An e-Life Insurance Renewal Edition in 2020? 》

Comparison chart of millions of medical insurance products.

Comparative conclusion:From the point of view of special services:Zhong'an Privilege e-Student 2019 performed better.

In addition to the services of green pass, advance payment, and proton and heavy ion medical treatment, this product can also be supplemented with medical treatment in Japan and special medical treatment for designated diseases and surgeries, with a wide range of coverage.

From the point of view of the sum insured:Zhong'an Exclusive e-Life 2019 and Ping An e-Life Insurance Plus are both relatively high.

These two products contain a reimbursement limit of 3 million yuan for general medical treatment and 6 million reimbursement for critical illness medical treatment.

However, the Privilege eLife 2019 Critical Illness Medical covers 100 types of critical illnesses, while Ping An eHealth Plus only covers one type of cancer.

In terms of the type of critical illness, it is better to enjoy e-life 2019.

From the ** aspect:People take care of long-term medical care.

Good medical insurance long-term medical care has the lowest premium in the above table, and the basic protection is available, sharing a deductible of 10,000 yuan for 6 years, and the cost performance has obvious advantages.

In terms of deductibles:Lejian has a mid-end medical treatment in his life, and people take care of long-term medical care.

The deductibles of these two products are relatively low, among which Lejian Lifetime Mid-end Medical can choose a 0 deductible version, but the insured is required to be at least 18 years old;

The deductible of PICC medical insurance can be shared, and the average annual deductible is less than 2,000 yuan.

It is worth mentioning that the hospital can choose private institutions and public special needs departments for long-term medical treatment, and consumers who pursue high-end medical services can consider taking a look.

Generally speaking, the renewal version of Ping An e-life insurance is specifically aimed at those who are afraid that they will not be able to renew their insurance, and it has no highlights in other aspects.

Ping An e-life insurance has now come out to the 2020 version, and the 2020 version has a 6-year protection renewal period.

Ping An e-Life Insurance is Ping An's popular million-dollar medical insurance, with more than one version, and the most popular one now is eHealth Insurance (Guaranteed Renewal Version 2020). The most popular of several versions is e-life insurance (guaranteed renewal version 2020), a 30-year-old man buys 2 million insurance amount, as long as he gives 364 yuan a year, which is equivalent to not wanting a dollar a day!

The article has already been described in detail, so we will only briefly talk about it here.

Let's take a look at the pros first:

1.Good renewal conditions:Guaranteed renewal within 6 years, changes in health status or claims can be guaranteed within 6 years;

2.Malignant tumor coverage is highThere are 2 million insured amounts for general inpatient medical treatment, and 2 million for malignant tumor inpatient medical treatment, with a maximum sum of 4 million;

3.Premium Waiver:If the malignant tumor is diagnosed, the subsequent premium during the guaranteed renewal period will be waived and the contract will continue to be valid.

There are advantages, and there are many disadvantages:

1.There is a deductible for medical treatment of malignant tumorsMalignant tumor medical treatment or critical illness medical treatment with 0 deductible is available in many similar products, but e-life insurance (guaranteed renewal version 2020) still needs 10,000 yuan, which can't keep up with the trend.

2.No Hospitalization Advance:If you incur a large amount of medical expenses, it is more practical to have an advance payment for hospitalization.

If you haven't found the right product yet, you can also refer to this selection of medical insurance for millions"2020 Top 10 Million Medical Insurance Rankings Released! 》

There are three ways to renew your policy:

1.a new insurance contract;

2.Conclude a "Certificate of Renewal of Guarantee" in accordance with the original conditions;

3.The "renewal receipt" of the renewal premium will be used as the proof of renewal, and all conditions will be handled according to the original policy.

Renewal of short-term medical insurance is usually a year-long policy, if the insured is out of the insurance during the insurance period, after the insurance company pays out, it is often not possible to renew the policy in the next year. According to the insurance company, this is because even if the insured is **, the risk of re-illness is still very large, and the incidence of chronic diseases is also high, which is too risky for the insurance company to renew the policy.

Ping An e-Home Ping An Million Medical Insurance is a medical insurance with very comprehensive protection and practical value-added services, but there is a disadvantage that it does not guarantee renewal, and the renewal needs to be re-examined, and the requirements for physical conditions are very strict, and the success rate of renewal is not high according to your situation. Ping An e-Life Insurance 2020 also has the advantages of comprehensive protection and high insurance amount, and its renewal conditions are relatively relaxed.

What is the difference between Ping An e-Home Ping An and Ping An e-Life Insurance 2020

In order to make it easier for everyone to intuitively compare the protection content of these two products, Daddy specially made a comparison table, let's take a look.

Comparison of e-home Ping An and e-Health Insurance 2020 products.

1.Generally, the hospitalization sum insured is different.

The general hospitalization insurance amount of Ping An e-Home Ping An is 3 million, while the general hospitalization medical insurance amount of Ping An e-Life Insurance 2020 is 2 million, which is obviously stronger than the general medical insurance of Ping An e-Family.

2.The Critical Illness Hospitalization Sum Insured is different.

Ping An e-Home Ping An's Critical Illness Hospitalization Insured Amount is 3 million, while Ping An e-Life Insurance 2020's Critical Illness Hospitalization Medical Insured Amount is 2 million.

3.Value-added services are different.

Ping An e-Home does not have value-added services for purchased drugs, and Ping An e-Life Insurance 2020 has purchased drug services.

**In some major diseases, purchased drugs are often used, because the effect of purchased drugs is better, so most million medical insurance will have purchased drug services, and are committed to providing patients with a better experience.

However, Ping An e-home does not have value-added services for purchased drugs, which reduces the protection of major diseases to a certain extent, which is slightly inferior.

However, fortunately, Ping An e-home Ping An Critical Illness Medical Insurance is relatively high, which can make up for the defect of no outsourced drug service to a certain extent.

4.Renewal conditions are different.

Ping An e-Home does not guarantee the renewal of the policy, and the renewal needs to be reviewed, that is, if the insured's physical health changes during the insurance period, it may not pass the review and cannot be renewed.

Although Ping An e-Life Insurance 2020 does not guarantee renewal, it does not need to be reviewed for renewal, and even if the insured's physical health status changes during the insurance period, it will not affect the renewal at all, and the policy can still be renewed.

From this point of view, the renewal conditions of Ping An e-Life Insurance 2020 are much better than those of Ping An e-Home Ping An and are more consumer-friendly.

In addition to millions of medical insurance, accident insurance, critical illness insurance, etc. should also be fully configured, so as to effectively transfer risks.