Is Ant Medical Insurance a good medical insurance reliable, is Ant Insurance a good medical insuranc

These are all insurance platforms that recommend buying insurance or going to a physical insurance company to buy more reliable, and it is more convenient to settle claims in the later stage.

Ant Medical Insurance is reliable, and Alipay is just a trading platform.

The long-term medical insurance launched by Alipay Ant Insurance platform includes general medical protection, critical illness protection, and guaranteed renewal for 6 years.

What does good medical insurance cover with long-term medical insurance?

First of all, let's take a look at the specific protection content of long-term medical insurance?

1.Principles of insurance

The age limit for long-term medical insurance is 0-60 years old, and the limit is at the middle level of similar products, and now some million medical insurance on the market is 0-65 years old, and this product is not very friendly to 61-65 years old.

The coverage period is 1 year, with a one-year guarantee, but this product is guaranteed to be renewed for 6 years, up to the age of 100.

The occupational restrictions of this product are stricter, and small partners engaged in high-risk occupations cannot be insured, with a waiting period of 30 days, which is a necessary condition for high-quality million medical insurance in the market, and is more friendly to newly insured friends.

2.Coverage

The general hospitalization reimbursement amount of long-term medical insurance is 2 million, and this product has a major highlight, sharing a deductible of 10,000 yuan for 6 years, that is to say, within 6 years of protection, the cumulative hospitalization ** exceeds 10,000 yuan, and the excess part can be reimbursed, which improves the probability of hospitalization reimbursement.

Critical illness hospitalization benefit includes 100 critical illnesses, with an insured amount of 4 million and 0 deductibles.

Inpatient outpatient and emergency coverage can reimburse expenses up to 7 days before and 30 days after hospitalization.

The basic benefit also includes special outpatient and outpatient surgery benefits, as well as a critical illness hospitalization allowance of 10,000 yuan.

The coverage is not limited to the scope of social security, and it is 100% reimbursed after social security settlement and 60% after social security settlement.

Good medical insurance long-term medical insurance includes proton heavy ion medical insurance of 1 million yuan, if the insured is unfortunately diagnosed with malignant tumors and receives ** in a secondary or above public hospital, ** during the period of all medical expenses related to proton and heavy ion**, the insurance company can pay 100%.

The value-added services of this product are also more practical, including special drug services for malignant tumors, green pass for medical treatment for critical illnesses, medical advances, and additional malignant tumors to Japan**, 2 million quota, 70% reimbursement ratio, and the economic situation is relatively good.

Good medical insurance in Ant Insurance is reliable. So is this product worth buying? I recommend you to take a look: "Is Alipay's new good medical insurance long-term medical care 2020 worth buying?" A pit for you".

Ant is a product of Alipay, so I personally think Ant Insurance is still reliable.

Reliable fart!

I bought a "good medical insurance" on Alipay in June 2018. Inpatient medical treatment", written is underwritten by Zhongan Insurance, because there is a period of effective period, so it will only take effect on September 30, 2018, enough to buy for one year, and the deadline is September 29, 2019.

On February 14, 2019, I was diagnosed with kidney stones, and I went to the hospital for surgery and was hospitalized, because the first operation was unsuccessful, and appendicitis was detected during the period, so I had appendicitis surgery in early March, and then on March 14, I did kidney stone surgery again, after being discharged from the hospital, I went to the hospital to copy all the cases and certificates, and stamped them, and applied for "good medical insurance" claims on Alipay, but the other party refused, because the first case was written that when I went to the hospital for examination," Before being admitted to the hospital, it was accompanied by pain", so I refused to make a claim, I was angry, who didn't have symptoms, and went to the hospital when he was sick, why did he go to the hospital if he was not sick or painful.

This insurance is 10,000 yuan so as not to pay, and my first hospitalization, it happened that the cost was more than 10,000 yuan, reaching 10,000 yuan, which means that Zhong'an needs to pay me 3,000 yuan, but the other party said "I had pain before hospitalization", but the problem is that I bought insurance half a year ago before I didn't have pain.

So I submitted the materials for appendicitis again, and the appendicitis cost more than 9,300 in total, and the result was passed for me immediately, because it could not reach 10,000 yuan, so I didn't have to pay compensation.

Then I went on to submit the materials for the second operation, the cost of this operation is 10,000 yuan, if the claim is successful, I will be compensated more than 20,000 yuan, but the result is back, I have not shown any reason, I complained, the result of the complaint handling is still their own company, telling me that the reason is the same as the first claim, can not be claimed, the reason is still because "I felt pain before hospitalization".

I'm really speechless, I was in pain before I was hospitalized, so I should refuse all the claims, not 2, through one, I have a classmate who is exactly the same as me, and was also rejected by the other party, but she went to the TV station to remember**, as a result, the other party experienced not only full compensation, but also more compensation, I was so angry, .........

In a fit of anger, I surrendered the insurance directly, not just tens of thousands of dollars, I still don't vote, I'm not fooling, there is a picture below and the truth, and then I heard that I am a patient (also a stone family), almost no compensation is paid for buying Zhong'an.

Hello, to weigh whether a product is reliable or not, you can rent from the company's strength and product design.

1. The strength of the company.

The insurance company to which Alipay Good Medical Insurance belongs is Zhongan Insurance, which was jointly founded by well-known domestic enterprises such as Ant Financial, Tencent, and Ping An of China, with a registered capital of 10,000 yuan and headquarters in Shanghai.

Zhongan Property's core solvency adequacy ratio is 1135%, ranking 5th in the ranking of property and casualty insurance companies. According to the strength of the company, it is relatively reliable.

2. Product design.

From the perspective of product design, Alipay's good medical insurance, like many millions of medical insurance in the market, has common "drawbacks", such as renewal problems and deductibles of 10,000 yuan.

Unqualified products must not be listed, but each product is for the purpose of profit, so when choosing the product, you still need to understand more about the terms and conditions before you can start.

This answer is provided by Youqianhua, a credit service brand under Du Xiaoman Finance (formerly Finance), which provides personal consumer credit services for the public and creates an innovative consumer credit model. Youqian uses artificial intelligence and big data risk control technology to bring users convenient, fast and reassuring Internet credit services. Click below on the mobile phone to measure the amount immediately, and the maximum amount you can borrow is 200,000.

Summary. Because Alipay is a third-party payment platform, some people are suspicious of Alipay selling insurance. Good medical insurance is an online insurance with a relatively high sales volume of Alipay insurance, and its insurance rules can be learned in detail on Alipay products.

Good medical insurance includes good medical insurance long-term medical insurance, good medical insurance hospitalization medical insurance, good medical insurance lifelong cancer prevention medical insurance, etc., good medical insurance long-term medical insurance is a million medical insurance products, critical illness 0 deductible, general medical treatment 10,000 yuan deductible. This product is currently available in two options: a 6-year renewal version and a 20-year guaranteed renewal version.

Hello, I have seen your question and am sorting out the answer, please wait a while

Hello, glad to answer for you. Alipay's good medical insurance is reliable and reliable. Good medical insurance is an insurance product underwritten by PICC Health, and Alipay is just a third-party sales platform.

Good Medical Loss State Insurance is not the name of one of Alipay's products, but a series of good medical insurance products. Many public ruler companies have such a product series, such as Xintai's Super Mario series, Darwin series, etc.

Because Alipay is a third-party payment platform, some people are suspicious of Alipay selling insurance. Good medical insurance is an online insurance with a relatively high sales volume of Alipay insurance, and its insurance rules can be learned in detail on the payment and burial of pure treasure products. Good medical insurance includes good medical insurance long-term medical insurance, good medical insurance hospitalization medical insurance, good medical insurance lifelong cancer prevention medical insurance, etc., liquid Tan good medical insurance long-term medical insurance is a million medical insurance products, critical illness 0 deductible, general medical treatment 10,000 yuan deductible.

This product is currently available in two options: a 6-year renewal version and a 20-year guaranteed renewal version.

I hope the above can help you, I wish you a happy life, if you are willing to give a thumbs up, thank you. <>

OK. It is possible to buy.

The contracts signed on the Ant Insurance Platform are true and valid, and the insurance company will bear the corresponding insurance liability for the insured accidents that occur within the scope of the contract, and the Ant Platform will also assist in supervising the insurance company to fulfill its responsibilities after the occurrence of the insured event.

Summary. Alipay Good Medical Insurance can reimburse outpatient medical treatment, but only reimbursement of special outpatient medical expenses, outpatient surgery medical expenses, outpatient and emergency medical expenses 7 days before and 30 days after hospitalization, outpatient and emergency medical expenses for critical illness 7 days before and 30 days after hospitalization, etc. In addition, Alipay Good Medical Insurance Hospitalization Medical Care shares a 10,000 deductible for 6 years, but there is no deductible for critical illness, so the related expenses within the deductible will not be claimed by Alipay Good Medical Insurance Hospitalization Medical Treatment, and the insured needs to bear it himself.

Ant good medical insurance, hospitalization reimbursement.

Alipay Good Medical Insurance can reimburse outpatient medical treatment, but only reimbursement of special outpatient medical expenses, outpatient surgery medical expenses, outpatient and emergency medical expenses 7 days before and 30 days after hospitalization, outpatient and emergency medical expenses for critical illness 7 days before and 30 days after hospitalization, etc. In addition, Alipay good medical insurance inpatient medical treatment shares a deductible of 10,000 yuan for 6 years, but there is no deductible for critical illness, so the relevant expenses within the deductible, the inpatient medical treatment of Alipay good medical insurance is also not claimed, and the insured needs to bear it by himself.

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