What diseases are covered by millions of medical insurance?

There is no disease limit in million medical insurance, whether it is a disease or an accident, as long as it is related to hospitalization, the insurance company can help us reimburse.

Million medical insurance is very practical and inexpensive. Therefore, Attentive Jun recommends that everyone buy one copy. If you are interested in insurance, you can take a look at this guide: The selection strategy of millions of medical insurance is here! Which insurance company has the best product?

However, not everything can be covered by the Million Medical Insurance, and the following situations cannot be reimbursed:

1. It is not guaranteed outside the scope of the agreement.

Each insurance product has its own coverage provisions, which are covered and which are not covered are in the terms. If it is not covered, it will not be compensated.

For example, if you buy special dental medical insurance, if you have a physical problem, you can't compensate.

2. The waiting period is not insured.

Even if the medical insurance is covered, you will have to wait until the period has passed before you can pay for it.

The waiting period for million medical insurance is generally 30-90 days, and the purpose of this is to prevent some people from taking out insurance with illness and maliciously defrauding the premium.

3. Pre-existing conditions are not guaranteed.

Million medical insurance is generally exempt from liability for pre-existing conditions, so what counts as pre-existing conditions? According to the regulations of the insurance industry, the following three types of diseases are pre-existing conditions: diagnosed but not **, diagnosed but not **, and undiagnosed but already symptomatic.

4. **The cost does not exceed the deductible.

The deductible is equivalent to the threshold of one million medical insurance, and the part that exceeds the deductible can be claimed.

5. Liability exemption is not guaranteed.

Not only the million medical insurance, but also the exclusion clauses in the insurance products are very important, and which claims are not compensated are clearly written in the insurance contract.

Pay attention to attentive insurance, 1-to-1 free consultation, adhering to a professional, objective and neutral attitude, choose more cost-effective products for you, and make buying insurance an easy task!

1.General Million Dollar Medical Insurance.

Different from critical illness insurance, medical insurance is mainly for reimbursement of ** behaviors, such as hospitalization, special outpatient services, outpatient surgeries, etc. The same is true for Million Dollar Medical Insurance, but Million Medical Insurance will increase the sum insured or lower the deductible for cancer**.

2.Special Disease Million Medical Insurance.

There are medical insurance for hospitalization and behavioral reimbursement for specific critical illnesses of children, and cancer prevention medical insurance for the elderly for cancer** reimbursement, which is a million-dollar medical insurance for designated critical illnesses.

There is no limit to the type of disease, and the compensation can be paid when you are hospitalized.

Millions of medically uninsured diseases can be classified as pre-existing conditions.

and exempt from liability. Pre-existing conditions, diseases suffered by the insured before the insurance application, truthfully informed at the time of application, except for coverage after review by the insurance company, due to the disease and complications.

Medical expenses incurred will not be reimbursed; In the exclusion clause of the insurance, it is clearly stated that the diseases that will not be covered are common congenital diseases, notifiable infectious diseases, occupational diseases, etc.

Million Medical Insurance and Critical Illness Insurance.

It is necessary to buy it, but if you have a limited budget, it is recommended to start with critical illness insurance first, and then buy million medical insurance. Million Medical Insurance and Critical Illness Insurance play different roles, and the content of coverage, the duration of coverage, and the payment method are also completely different. Critical illness insurance is mainly used to transfer the risks of high medical expenses and loss of income caused by the critical illness of Fano Changsheng.

And the million-dollar medical insurance can be transferred.

Risk of large medical expenses, including hospitalization, outpatient surgery, etc.

Million medical insurance mainly covers "hospitalization", which meets the claim specifications and meets the requirements of the insurance contract, which basically solves most of the expenses in ordinary family medical expenses.

In general, Million Medical Insurance may cover the following critical illnesses: malignant tumors.

Benign brain tumor, sequelae of stroke, coronary artery bypass grafting (or coronary artery bypass grafting), multiple limb loss, acute myocardial infarction.

Vital organ transplantation or hematopoietic stem cell transplantation, Kawasaki disease, end-stage renal disease (or chronic renal failure uremia.

stage), decompensated chronic liver failure, sequelae of encephalitis or meningitis, deep coma, loss of speech ability, blindness in both eyes, deafness in both ears, paralysis, heart valve surgery, severe juvenile rheumatoid arthritis, intellectual disability due to disease or trauma, severe brain injury, severe motor neuron disease.

Severe type 1 diabetes, severe burns, severe aplastic anemia, aortic surgery, etc.

In addition, in addition to the diseases specified in the contract, the million medical insurance generally covers some special outpatient emergencies, such as cancer radiotherapy and chemotherapy.

Summary. 1. Ordinary hospitalization due to ordinary illness or accidental hospitalization, except for the liability exemption clause, can be reimbursed by invoice, regardless of whether the cause of hospitalization is illness or accident. For example, acute pancreatitis, appendicitis, sepsis, etc.

How much is actually spent, and the part that exceeds the deductible, you can be reimbursed, but there is an annual limit, for example, if it is an annual limit of 1 million, 300,000 is spent, and all can be reported, if 1.3 million is spent, it can only be reported 1 million, and if the annual limit is 2 million, then 1.3 million can be fully reimbursed.

1. Ordinary hospitalization due to ordinary illness or accidental hospitalization, except for the part of the liability exemption clause, can be reimbursed by invoice, regardless of whether the reason for Zhongyu hospitalization is illness or accident. Sell bands such as acute pancreatitis, appendicitis, sepsis, etc. How much is actually spent, and the part that exceeds the deductible, you can be reimbursed, but there is an annual limit, for example, if it is an annual limit of 1 million, 300,000 is spent, all can be reported, if 1.3 million is spent, it can only be reported 1 million, and if the annual limit is 2 million, then 1.3 million can be fully reimbursed.

2. Hospitalization for specific diseasesMany medical insurance for specific diseases, such as cancer, there is an additional reimbursement amount, such as the general hospitalization insurance amount is 2 million, and the specific disease insurance amount is also 2 million, if the customer really has a specific disease, first use the amount of ordinary hospitalization, in case of very high medical expenses, Liang Xian spent more than 2 million, and then 2 million can be used for reimbursement in the hospitalization quota for specific diseases.

Most of the million-dollar medical insurance is only a malignant tumor for specific diseases, but some medical or digital insurance is extended to a variety of critical diseases, such as Taiping's medical insurance, which is extended to 100 kinds. Some have expanded the one-time payment responsibility, such as Ping An's e-life insurance, which is a malignant tumor allowance of 10,000 yuan, which is paid directly.

What diseases cannot be purchased with million-dollar medical insurance, which need to be based on the actual situation. Not all conditions can buy millions of medical insurance, there are standards for the health of the insured, such as hepatitis B virus, abnormal liver function, hyperlipidemia, high blood pressure, high blood sugar, stones and other diseases, and their genetics, congenital diseases, cardiovascular and cerebrovascular diseases, respiratory tract levels, genitourinary system level diseases, and people who have been diagnosed with malignant transformation or adenocarcinoma, and nodules These diseases cannot buy millions of medical treatment, and will be denied insurance by insurance companies. Medical insurance has a strict demand for health information, and blindly following the trend to buy insurance is very easy to cause claims disputes.

If there is no illness in the health notice, it will not be affected.

Million Medical Insurance generally covers the following conditions:

1.malignant tumors and benign brain tumors; Tremor pants.

2.sequelae of stroke, coronary artery bypass, loss of multiple limbs, acute myocardial infarction, vital organ transplantation or hematopoietic stem cell transplantation;

3. Decompensated stage of Kawasaki disease, end-stage renal disease, and chronic comic liver failure;

4.sequelae of encephalitis or meningitis, deep coma, deafness in both ears, loss of speech ability, blindness and paralysis;

5.heart valve surgery;

6.severe juvenile rheumatoid arthritis;

7.Intellectual disability, severe brain injury, severe motor neuron disease, severe type 1 diabetes, severe illness or burns due to trauma, severe aplastic anemia, and aortic surgery.