Million dollar medical insurance is not worth buying

Million Medical is worth buying. Million medical insurance is a supplement to social security, and many self-financed drugs that cannot be reimbursed by social security are imported drugs.

It can be reimbursed with millions of hospitalization medical insurance, and they generally do not limit the means, and the medical expenses incurred during the hospitalization can be basically reimbursed, reducing the financial burden of patients, so that patients do not have to worry about the cost of medication when they are hospitalized, and get a better plan, so that patients can get better medical services and improve the probability of survival. Generally, millions of medical insurance are relatively cheap, and young people in their 20s only need to spend more than 200 yuan to solve the problem of millions of hospitalization medical insurance, with great leverage.

Of course, million medical insurance is not a panacea, and there are parts that are not covered that need to be covered by critical illness insurance.

Supplement. For example, because of the loss of income interrupted by a serious illness, you can only rely on critical illness insurance to make up for it, which is not possible with social security, as well as other expenses such as the first cost after a serious illness, nutrition costs, nursing costs, etc., can be solved by purchasing critical illness insurance.

Hello! Million medical insurance can usually buy a million-level insurance amount with a premium of a few hundred dollars, which is low and high, and it is still worth buying.

If you want to know what medical insurance is worth buying, you can click here to make an appointment for a 1-to-1 insurance planning service.

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At present, there are millions of medical insurance products on the market, the amount of insurance is almost millions, the main responsibilities are almost the same, and the premium is generally only a few hundred yuan, and the difference is not big, so ** is not the focus of our selection.

We pick millions of medical insurance to look at two main points:

1. Renewal conditions.

Unlike critical illness insurance, you can buy long-term or even lifelong protection, it is generally bought for one year and covered for one year, and you need to buy it again or renew it in the second year. However, now some insurance companies have also launched 6-year renewal products, such as Alipay, which protects medical insurance; There are even 20-year long-term renewals, such as good medical insurance long-term medical care (20 years), etc. There are also certain differences in medical insurance for different insurance companies, and we need to buy the most desirable one according to our own needs.

Therefore, the tightness of the renewal conditions is directly related to our vital interests, and the relaxation of the renewal conditions is more beneficial to us.

2. Product stability.

In commercial insurance, the stability of million medical insurance is poor, it is different from medical insurance, and it can be guaranteed for a long time. There is a possibility that the sale of million medical insurance will be stopped, and once the sale is stopped, it is useless to renew the insurance no matter how good the conditions are, because the product does not exist, and the renewal will be meaningless. Or because of your own body, you may not be able to buy it.

Different insurance products focus on different protection content, have advantages and disadvantages, buying insurance is to buy their own protection, as long as they can meet their own needs, it is a good product.

In general, million medical insurance is still worth buying, although there are some shortcomings of million medical insurance, but it is very cost-effective, the sum insured is up to one million, but the premium is very low, which is very suitable for ordinary families to buy.

However, you must also pay attention when purchasing, and choose products with low compensation thresholds and good renewal conditions.

Million Medical is worth buying.

1. Million medical insurance is a supplement to social security, and many self-financed drugs that cannot be reimbursed by social security and imported drugs can be reimbursed by Yunkai million hospitalization medical insurance;

2. Generally, there is no restriction on the best means, and the medical expenses incurred during hospitalization can be basically reimbursed, reducing the economic burden of patients, so that patients do not have to worry about the cost of medication when they are hospitalized, and get a better plan, so that patients can get better medical services and improve the probability of survival;

3. Generally, millions of medical insurance are relatively cheap, and young people in their 20s can solve the problem of hospitalization medical security with millions of dollars as long as they spend more than 200 yuan, and the leverage is very large.

4. The coverage of millions of medical insurance is relatively wide, including bed fees, meal fees, nursing fees, intensive care unit fees, examination fees, surgery fees, anesthesia fees, drug costs, material costs, medical equipment owned by medical institutions, ** fees, consultation fees, etc. And in the Minzao insurance market, millions of medical insurance will also give away green pass services, and the insurance amount is also very high;

5. The premium price of million medical insurance is low and the sum insured is high, but it also has many drawbacks. For example, non-social security people can only reimburse 60% of the surgical expenses, outpatient fees, and medical expenses, and they need to pay the medical expenses in advance. In addition, the coverage period of Million Medical Insurance is only one year, and it will face the risk of stopping sales at any time.

Million dollar medical insurance is worth buying.

Whether it is necessary to buy million medical insurance depends on whether the million medical insurance can meet its own protection needs and whether it has this premium budget.

Million medical insurance can mainly reimburse the reasonable and necessary medical expenses of the insured due to illness or accident, and help the insured make up for the economic losses caused by high medical expenses, and the coverage is still very wide.

It can reimburse inpatient medical expenses, outpatient surgery medical expenses, outpatient and emergency medical expenses before and after hospitalization, special outpatient medical expenses, etc.

Some can also cover the cost of proton heavy ions and the cost of purchased drugs. Many million medical insurance products also have many practical value-added services.

The ** of millions of medical insurance is also relatively cheap, and adults can get millions of insurance for a few hundred yuan, but it will be more expensive for children and the elderly to insure.

If you have a sufficient budget and medical security needs, it is necessary to buy a suitable medical insurance product.

The pitfalls that need to be paid attention to in millions of medical insurance are: 1. There is uncertainty in reimbursement in different places, 2. The order of beneficiary receiving, 3. Advance payment and then reimbursement.

1. There is uncertainty in remote reimbursement.

For critical illnesses, it is often necessary to go to a big city**. If you are insured for millions of medical treatment as social security, it is likely that social security will not be reimbursed, and then millions of medical reimbursements will not be reimbursed. Unless you are insured with a non-social security status, the cost of insurance will increase.

2. The order of beneficiary collection.

The order of income of million medical care is parents, children, and spouses. If there are more than one beneficiary, one beneficiary needs to be entrusted to collect it.

3. Pay in advance and then reimburse.

Million Medical is a reimbursement-type product, and family members need to provide invoices and other materials in advance before they can be reimbursed. However, in many cases, the cost is very high, and many families are unable to come up with large sums of money for a while, and it is easy to delay in the best time.

Million dollar medical insurance is worth buying.

Million medical insurance is a kind of health and medical insurance that can reimburse high medical expenses, which can effectively avoid falling into poverty due to illness and reduce the burden of medical expenses. The coverage of Million Medical Insurance does not limit the type of illness, and reasonable expenses incurred by the illness can be reimbursed.

The protection amount of million medical insurance is relatively high, and the insured amount can reach 6 million, which is very practical when dealing with risks such as serious illness and serious illness. The premium of Baitong Dashengwan medical insurance is relatively cheap, and you can buy it with a smile for a few hundred yuan a year, but the older you are, the more expensive the premium will be. In addition, million medical insurance also has value-added services and other functions that are more in line with the interests of policyholders.

Disadvantages of Million Medical Insurance

There are relatively strict health notification requirements for policyholders. Because it is a medical insurance that covers "serious illness", it has strict requirements for the health status of the policyholder. If you have a medical condition, you may be denied coverage.

When purchasing products, many people do not distinguish between "guaranteed renewal" and "promised renewal", which may lead to subsequent renewal problems.

There is a set deductible. Many millions of medical insurance products have deductibles, usually 10,000 deductibles, after removing 10,000 yuan of medical expenses, the rest can be reimbursed with millions of medical insurance, that is to say, some small ** expenses can not be reported. The health notice of million medical insurance is stricter, and conditions such as congenital diseases and pre-existing conditions may be denied insurance.

Million dollar medical insurance is not worth buying

1. The advantages of medical insurance.

This type of medical insurance is a type of medical insurance product with high cost performance, which can provide millions of medical protection a year, and the medical expenses can be reimbursed by social security without limit, and the reimbursement scope is wide, which can play a role in supplementing basic medical insurance and coping with the risk of high medical expenses.

2. Defects of millions of medical insurance.

This type of product usually has a deductible limit of 10,000 yuan, which is equivalent to the starting line in medical insurance, so the higher the deductible, the higher the reimbursement threshold. In addition, the protection period of this type of product is usually one year, and if the product renewal conditions are poor, it is easy to lose medical protection.

The advantages and disadvantages of million medical insurance are obvious, but for the vast majority of the population, million medical insurance is still worth buying, this kind of product is cost-effective, can supplement basic medical insurance, cope with high medical costs, and reduce the loss of medical expenses.

Is Million Medical Insurance Reliable?

There are many million medical insurance on the market, and to judge whether the product is reliable, you can consider the following three points:

1. From the perspective of deficiency and obstacles: such products on the market usually include general medical treatment, critical illness medical treatment, proton and heavy ion medical treatment, special drug expenses and other protections, and the expenses within the scope of responsibility can be reimbursed by 100% after deducting the deductible of 10,000 yuan after medical insurance, with a wide range of reimbursement and a high reimbursement ratio.

2. From the perspective of stability: the protection period of million medical insurance is usually one year, but there are more and more products on the market that can guarantee long-term renewal, and the longest can be guaranteed to be renewed for 20 years, and its renewal conditions are also constantly improving.

3. From the point of view of health notice: the insurance requirements of million medical insurance are strict, not only there will be an age limit, but also the health status of the insured, and the health notice needs to be carried out before insurance.

Summary. Extended Information: Cons:

Most of the million medical insurance has a deductible, generally 10,000 or 20,000, and the million medical insurance only pays for the cost of exceeding the deductible, and the cost must be within the scope of compensation, which means that if the cost does not reach the deductible after the social security reimbursement, it will not be reimbursed.

Million medical insurance is worth buying, million medical insurance is not limited to social security drugs, social security can be 100% reimbursed only for Class A drugs, Class B can be reimbursed for the mu of the part, Class C is completely self-forgiving, social security does not protect imported drugs and self-paid items, and these million medical insurance are 100% reimbursed.

Extended information: Disadvantages: Most of the million medical insurance has a deductible or deductible, generally 10,000 or 20,000 rent, million medical insurance only pays for expenses that exceed the deductible, and the cost must be within the scope of compensation, so that it is said that if the social security reimbursement is not up to the deductible, it will not be reimbursed.