Good medical insurance long term medical care 20 years Can I renew my insurance after the age of 60?

It depends.

As you can see, good medical insurance.

The long-term medical guarantee is renewed for 20 years, and after the insurance, as long as it is still in the guaranteed renewal period after the age of 60, it can be renewed.

Good medical insurance long-term medical care can be renewed up to 100 years old, but it should be noted that although good medical insurance long-term medical care promises to be renewed to 100 years old, at the expiration of the guaranteed renewal period, due to uncontrollable factors that lead to the unified implementation of good medical insurance long-term medical insurance suspension of sales, Chinese people's health insurance shares **** will no longer accept renewal applications.

To put it simply, although the long-term medical care of good medical insurance promises to be renewed until the age of 100, if the long-term medical treatment of good medical insurance is discontinued, for example, when the insured is 60 years old, then the policy can only be renewed until the expiration of the guaranteed renewal period, and cannot be renewed until the age of 100.

Of course, it is worth mentioning that although the renewal application is no longer accepted after the long-term medical treatment of good medical insurance is discontinued, the policyholder can apply for other medical insurance products of Chinese people's health insurance shares **** in the way of renewal (no waiting period and no need to fill in the health notice again).

If the age of the first insurance is over 60 years old, it cannot be insured, and there is no rate display, but if it is insured at the age of 59, it can be renewed all the time, and the rates are as follows: Generally speaking, if the insurance is applied at the age of 60, when the guaranteed renewal period of 66 years old expires, PICC Health retains the right to adjust the insurance rate of this contract due to risk, and it will automatically continue the next insurance renewal period.

Good medical insurance long-term medical insurance can be renewed up to 60 years old, after the age of 60, the insurance company will review your physical condition, and after the insurance company agrees, the insurance company will let you directly enroll in cancer insurance.

Good health insurance, long-term medical insurance, can be extended up to the age of 60. After the age of 60, the insurance company will check your physical condition. With the consent of the insurance company, the insurance company will enroll you directly in cancer prevention insurance.

Good health insurance can be extended up to the age of 60. After 60 years, the insurance company will check your physical condition. After reaching an agreement with the insurance company, the insurance company will enroll you directly in cancer prevention insurance.

You're over 60 years old, you're retired, so there's no need to pay for this medical care anymore.

She was very motivated to work from the beginning, although life was not easy, but she lived a very righteous life, her husband passed away, and she depended on her son for her life. The son made people feel a little decadent at first, sleeping at home all day, but slowly you found that the child was very sensible and emotionally stable, and the mother said that you should come down quickly in the electrical shop downstairs, and he would come after a while, and help Grandma move the TV upstairs. The classmates told them to go to play or not, because they had to go home to spend the Mid-Autumn Festival with their mothers.

Then you will realize that the son taught by such a mother must be well-behaved. Mother is the kind of person who plays cards on behalf of her siblings and wins and doesn't take her own money if she loses, although her financial situation is much worse than that of her two younger brothers, but she provides for both younger brothers' studies. These most ordinary episodes of life are played out in a way that is close to a documentary, but there is no motive to stir you up at all.

But I wept several times.

Abstract: Whether a good medical insurance can be renewed after a claim depends on its renewal conditions, and the renewal conditions of different good medical insurance products are different. For example, the long-term medical insurance of Good Medical Insurance does not affect the renewal of the policy after the occurrence of a claim, while the renewal conditions of the hospitalization medical insurance of Good Medical Insurance are stricter, and the application for rejection of insurance after the occurrence of a claim may be denied.

After the expiration of the 6-year guaranteed renewal period of the long-term medical insurance of good medical insurance, the policyholder can submit an application for renewal to the insurance company, and with the consent of the insurance company, and the policyholder pays the corresponding renewal premium according to the insurance plan, age, basic medical insurance, etc., and the corresponding renewal premium is paid according to the insurance plan of the insured at the time of renewal, age, whether there is basic medical insurance, etc., and the contract agrees on the way, the renewal is successful, and the guaranteed renewal period is recalculated.

Any more questions, please.

Can I renew my policy even if I have made a claim?

Whether a good medical insurance can be renewed after a claim depends on its renewal conditions, and the renewal conditions are different for different good medical insurance products. For example, the long-term medical insurance of Good Medical Insurance does not affect the renewal of the policy after the occurrence of a claim, while the renewal conditions of the hospitalization medical insurance of Good Medical Insurance are stricter, and the application for rejection of insurance after the occurrence of a claim may be denied.

For specific conditions, please consult the customer service of the medical insurance, and the reply of the medical insurance shall prevail, please have any questions.

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. Both of them have special outpatient, outpatient surgery, critical illness allowance and purchased drugs, etc., while the sum insured for ordinary hospitalization is 2 million for 6 years and 4 million for 20 years.

However, the 20-year version has a deductible of 10,000 per year, while the 6-year version has a deductible of only 10,000 for 6 years, which has a lower reimbursement threshold in comparison. From the perspective of premiums, the 6-year insurance policy is gender-neutral, and the premium is the same for men and women of the same age, while the 20-year insurance for women will be more favorable. According to the comparison of the two ages, the older ones will have a lower premium for 6 years, and the younger ones will have a lower premium for 20 years.

In addition, the 6-year rate is not adjustable, the policyholder needs to pay according to the rate table when applying for the first time, the insurance company can not increase the price at will, the 20-year rate can be adjusted, but can not be adjusted at will, the CBIRC has clear restrictions on the fee increase and the frequency of adjustment, so in comparison, it can be found that the 6-year version of the premium is more stable. 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!

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.

Alipay's long-term medical insurance has finally ushered in a 20-year guaranteed renewal version! The biggest feature is that the guaranteed renewal period has been extended to 20 years compared to the previous 6-year version. So is it worth buying?

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 terms of the 20-year version of the long-term medical insurance of the medical insurance, you can know that the main benefits of the product are: inpatient medical treatment, special outpatient treatment, outpatient surgery, outpatient emergency before and after hospitalization, and anti-cancer purchased drugs; In addition, there are also practical value-added services, such as green pass for medical treatment, medical expense advance, etc.

Advantages of good medical insurance long-term medical insurance 20-year version:

1) The reimbursement amount is high

The 20-year version of the long-term medical insurance of good medical insurance shares 4 million insured amount and 10,000 deductible per year; If you are diagnosed with a critical illness, you can get an allowance of 10,000 yuan, which is equivalent to 0 deductibles for hospitalization for critical illness.

2) Good renewal conditions

The 20-year guaranteed renewal is the biggest highlight of the 20-year version of the long-term medical insurance of Good Medical Insurance. During these 20 years, the renewal does not need to be reviewed, and the policy can be renewed if the health deteriorates or the claim has been made.

3) **Cheap

Whether it is a man or a woman, at the age of 30, if you buy a 20-year version of long-term medical insurance, the annual premium is only 259 yuan.

Good medical insurance long-term medical insurance 20 years version disadvantages:

1) Long waiting period

The waiting period for the common million medical insurance is generally 30 days, and the waiting period for long-term medical treatment of this good medical insurance for 20 years is 90 days.

2) Renewal at the end of 20 years needs to be reviewed

If you want to renew the insurance after the expiration of 20 years, you need to re-review it, and if the sale is stopped, you cannot renew the policy.

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

Good medical insurance long-term medical 20-year version is a medical insurance that guarantees 20-year renewal, about its detailed evaluation, dad wrote an article before, you can see it by clicking here. "Good Medical Insurance Long-term Medical Care 20-year Edition Compared with CITIC Prudential Comfort Long-term Medical Insurance, 20-year guaranteed renewal will become popular? 》

The 20-year version of long-term medical care has been officially launched, which is a million-dollar medical insurance that can be guaranteed to be renewed for 20 years. Prior to this, only Ping An e-Life Insurance long-term medical insurance was guaranteed to be renewed for 20 years, which was another option for consumers.

The above talked about the issue of whether the renewal is good or not, and the next dad will officially introduce to you the detailed protection content of the 20-year version of the long-term medical care of good medical insurance.

1. Share the deductible

More than millions of medical insurance only set a deductible for general medical treatment, which is basically about 10,000, while the 20-year version of good medical insurance long-term medical care has a deductible of 10,000 for general medical care, specific drug cost insurance and proton heavy ion protection.

However, the good thing is that the deductible of 10,000 yuan is shared, which means that the cumulative reasonable medical expenses of the three diseases exceed 10,000 yuan, and you can apply for a claim.

2. The insurance amount is sufficient, and domestic special drugs are also reimbursed

General medical treatment + specific drug costs + proton heavy ions share 4 million insurance amount, although the word "sharing" here seems to give people a feeling of small insurance amount, at that time, for major diseases, 4 million was enough.

And note that this product has domestic special drug protection, and the reimbursement list will be updated regularly, and special drugs that are not available in the hospital can also be reimbursed if purchased outside the hospital.

3. Guarantee 20-year renewal, one word "stable".

A 20-year guaranteed renewal is a long time for a million medical insurance, and the insurance company dares to be prepared to take risks.

However, it is a good thing for consumers, there is no need to worry about renewal within 20 years, and it is guaranteed that there is no need to worry about renewal even if a claim occurs during the renewal period.

However, the insurance company is not stupid, and the risk to be borne for the guarantee renewal of the policy for 20 years is still relatively large, so in terms of premiums, the rate is set to be adjustable, the details are as follows:

1) The first rate adjustment needs to be 3 years after the product is launched.

2) No more than 30% of each rate adjustment is made

In other words, although the rate is adjustable, the insurance company cannot adjust it casually. Ping An has also issued a long-term medical insurance, which can be compared with "Ping An e-life insurance long-term medical insurance is strong compared to good medical insurance long-term medical care, who is better?" 》

Although the 20-year version of long-term medical care is the second product to guarantee 20-year renewal, the popularity will inevitably be snatched away by Ping An e-life insurance long-term medical insurance, but don't forget that its background is Alipay and PICC Health, and its popularity is still leveraged.