Who is not eligible to buy Million Medicare?

1. The subject matter of million medical insurance is the physical health status of the insured, so million medical insurance generally comes with a health notice, and the insurance company will decide whether to underwrite it according to the health notice. If the insured person has a physical abnormality and does not meet the requirements of the health notice, it is very likely that the insurance company will refuse the insurance. The health notice of million medical insurance will generally be stricter, otherwise the risk of claims by the insurance company with illness will increase.

The actual situation also depends on the specific insurance product.

2. The insurance company will classify occupations according to the risks faced by different groups of people, and the policyholder will generally have 1-6 occupational categories when applying for insurance, with 1 category having the lowest risk and 6 categories having the highest risk. Million Medical Insurance will also have requirements for occupational categories, for example, we have specially agreed that this product is suitable for Level 1-4 professionals.

These 1-4 categories refer to: the heads of party and government organs, enterprises, and public institutions; professional and technical personnel; administrative, public security, post and telecommunications, advertising personnel; commercial and service personnel; production personnel in agriculture, forestry, animal husbandry, fishery and water conservancy; production and transportation equipment operators; Soldier; Other personnel. Since the launch of the city's auto insurance information platform in March this year, the auto insurance underwriting operation has been fully controlled by informatization.

In the insurance inquiry stage, for the insured vehicles that meet the conditions for rate fluctuation, the premium payable will be automatically calculated for the policyholder's reference, and the policy will be paid after the policyholder's consent. For those who do not meet the conditions for rate fluctuation due to various reasons, the rate will be calculated according to the basic premium of the first insurance.

Extended information: 1. The health notice of different million medical insurance is different, some health notices are stricter, and some health notices are more relaxed. Before applying for a million medical insurance, it is important to understand the health notice. The more common health advisories will ask:

Whether there is any physical abnormality in the past year, whether there is any denial or extension of coverage by the insurance company, whether it is engaged in high-risk occupations, etc.

2. Basically, all insurance products will have an age limit, and if it exceeds the covered age range, it cannot be insured. The same is true for million medical insurance, and most of the million medical insurance plans on the market currently have an underwriting age of 28 days to 60 years old. It is difficult for people over the age of 60 to buy the right million-dollar medical insurance.

3. Take an example of a million medical insurance that people over 60 years old can buy: the underwriting age of the million medical insurance is 28 days to 65 years old, and there are 0 deductibles for 120 kinds of special diseases, including malignant tumors with a high incidence of the elderly. Up to 6,000,000 coverage.

For example, the underwriting age of Ruyi Million Medical Insurance is 20 days to 60 years old, and the long-term medical insurance coverage age of Micro Medical Insurance is 0-60 years old.

The truthful disclosure requirements of each million medical insurance plan may vary. Therefore, people who are not eligible to buy Million Medical Insurance are not good for a particular insurance company.

Those with a history of disease, major illness, and congenital disease.

Usually the insurance company will underwrite, as long as you tell the truth, theoretically you can, the latter will be handed over to the underwriting, and you can buy it after the underwriting is passed.

Generally speaking, people who do not meet the age requirements and health requirements cannot purchase millions of medical insurance. There will be a health notice before the Million Medical Insurance is purchased.

If you have a historical medical history, you must truthfully inform your health status before buying, in order to make unnecessary trouble.

Who is not eligible for Million Dollar Medicare? There is a unit to pay medical insurance. Employees on the job. Not eligible to sell million-dollar medical insurance. Social low-income households are not eligible to buy million-dollar medical insurance. If you have critical illness insurance, you don't need to buy it. Million Medical Insurance.

People who cannot take out million-dollar medical insurance mainly include the elderly and those with poor health. 1. Elderly people: the higher the age, the greater the chance of illness, the age of million medical insurance is usually limited to between 0 and 60 years old, and it is difficult for people over 60 years old to buy the right million medical insurance.

2. People with poor health: medical insurance has strict health requirements for the insured, and if the insured cannot be informed by health, that is, it does not meet the health requirements of the insurance company, and medical insurance cannot be insured.

Older people, people with poor health, and people with high occupational risks usually can't buy million-dollar medical insurance. 1. Older people: In order to control risks, millions of medical insurance products will limit the age of insurance, generally 60 years old.

Million medical insurance, people who are already sick cannot buy it.

When applying for medical insurance, you must pay attention to its coverage and know what diseases can be reimbursed and what diseases cannot be reimbursed; Then there is how much money you need to pay every year, the amount of this insurance is generally different every year, and the older you are, the more premiums you pay.

When buying million-dollar medical insurance, you must tell yourself truthfully about your previous situation, especially whether you have had a critical illness, so as to avoid disputes when reimbursing. There is a 90-day waiting period when purchasing medical insurance, and if you get sick within 90 days, you will not be reimbursed, but you will be reimbursed after 90 days.

In order to control the risk, millions of medical insurance products will have a limit on the age of application, and it is generally difficult to buy millions of medical care over 60 years old. 2. Health: The health requirements are high, and the insurance company will make a decision on whether to underwrite according to the health status.

3. Occupation: The occupational requirements are generally 1-4 categories, and people who are engaged in high-risk occupations or participate in high-risk sports are usually not able to participate in millions of medical insurance.

People who do not meet the health notification requirements and do not meet the age requirement for coverage are not eligible to buy.

The details of the inability to purchase Million Medical Insurance are as follows:

1. Those who do not meet the requirements of health notification.

Health notification will definitely be required before taking out the Million Medical Insurance, and the insurance company will decide whether to underwrite it based on the health notice. If the insured person has an abnormality and does not meet the conditions for insurance, it is likely to be denied insurance by the insurance company. The health notice of million medical insurance is generally strict, and many products have restrictions on the three highs and nodules.

However, different products have different requirements, and if there is an abnormality in the body, you can try to buy a product with a relaxed health notice.

2. People who do not meet the age of coverage.

No matter what kind of insurance product it is, there will basically be an age limit, and if you exceed the coverage age range, you will not be able to apply for insurance. The same is true for million medical insurance, most of the millions of medical insurance on the market at present have an underwriting age of 28 days to 60 years old, and it is relatively rare to be over 65 years old. Although many products can be renewed up to the age of 99 and 100, the first application age is generally under 60.

Additional Information: If the contents of the Million Medical Insurance Exclusion clause occur, the insurance company will not pay the payment, as follows:

1. Failure to seek medical treatment in a designated hospital.

The scope of the hospital will be clearly specified in the insurance contract, which is generally a public hospital of the second level and above, of course, some private hospitals with medical insurance can also be reimbursed. If the insured person's illness** is not at the contracted hospital, the resulting medical expenses will not be reimbursed.

2. No liability for accidents during the waiting period.

The waiting period is set by the insurance company in order to observe whether the user is sick or not, and the waiting period for million medical insurance is generally 30 days, and the insurance company will not compensate if the insured incurs medical expenses due to illness hospitalization** during the waiting period. However, there is no waiting period for accidents, and the insurance company will pay compensation due to accidents during the waiting period.

3. The health notice is not truthful.

If the insured deliberately conceals his health status when applying for medical insurance, even if the insurance is successful, the insurance company will not compensate once it is found that the user has not complied with the principle of maximum good faith and does not meet the requirements of health notification.

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

Million medical insurance usually sets up a deductible, generally 10,000 yuan, only the part of the ** cost higher than 10,000 yuan (the remaining expenses after social security settlement) can apply for reimbursement, for the part less than 10,000 yuan, million medical insurance does not reimburse.

5. No duplicate reimbursement is allowed.

Million medical insurance is a reimbursement product, if the medical expenses incurred by the insured's hospitalization** have been reimbursed with other million medical insurance, it cannot be reimbursed twice, even if multiple products are bought, it can only be reimbursed once. It is important to know that medical expense invoices can only be used for one reimbursement and cannot be reused. To sum up, the purchase of million medical insurance mainly needs to meet two requirements: health status and age range.

It is credible, the bad part is that the million medical insurance is not like critical illness insurance and life insurance, the product stability will be relatively poor, it is a short-term health insurance, it does not guarantee lifetime renewal, and the health notice will be relatively strict. This is a common problem of millions of medical insurance on the market, so you don't need to mind too much, and then Daddy will take you to learn about millions of medical insurance.

Million medical insurance refers to those medical insurance that can be reimbursed for medical expenses up to more than 1 million.

Seeing such a high amount of insurance, many people's first reaction is: Is million medical insurance very expensive?

In fact, compared to critical illness insurance, the premium of Million Medical Insurance is relatively low.

According to the premium calculation, generally young people around the age of 30 only need to pay every yearHundreds of dollars in premiums

In the event of illness, the out-of-pocket medical expenses that exceed the deductible can be reimbursed, up to a few million.

The disadvantages of million medical insurance are as follows:

1.Health advice is strict

People who have purchased more than one million medical insurance know that before paying the premium, the insurance company will give a health notice, and only if the conditions specified above are met, can they successfully pass the insurance review.

Health notice is a health inquiry made by the insurance company to the insured in order to reduce the probability of claims, and the strictness of health notice is different for different types of insurance.

2.There is no guarantee of renewal and there is a risk of discontinuation

For people in good physical condition, it is easier to find a replacement, but it is more difficult to find a suitable product if you have an insurance or health abnormality.

Therefore, we should pay special attention to the stability of the million medical insurance when choosing it, which can be judged from the following aspects: the proportion of healthy individuals joined, the sales volume of the product, pricing, etc.

3.Occupational restrictions

Generally, there are occupational restrictions on medical insurance, and many times high-risk occupations are directly excluded and are not eligible for insurance.

4.There is a deductible setting

At present, the mainstream million medical insurance on the market has a deductible, which is generally 10,000 yuan.

For general medical treatment, after deducting social security reimbursement, there are not many chances of exceeding 10,000 yuan, so this deductible setting actually reduces the probability of the insured being compensated, which is not good for the insured.

In general, the shortcomings of million medical insurance do exist, but the flaws are not hidden, and million medical insurance can use lower premiums to transfer the risk of disease, which is a more practical insurance product. Therefore, if you have a friend in need, you can consider taking out a million medical insurance, but there are many details that need to be paid attention to when purchasing medical insurance, and you must pay more attention to it when applying for insurance.

Hope the above information can help you!

Medicare is the most appropriate means to cope with medical expensesMillion Medical Insurance is a type of medical insurance。It is characterized by high sum insured and high deductibles, as the sum insured usually starts at one million, so it is called "million medical insurance". High medical expenses incurred due to illness or accident can be reimbursed through the Million Medical Insurance.

What are the advantages of Million Dollar Medical Insurance?

Premiums are cheap

As long as a few hundred yuan a year, you can buy two or three million hospitalization insurance amounts, which is cost-effective.

No social security restrictions

Self-financed drugs, imported drugs, and cancer-specific drugs that cannot be reimbursed by social security can all be reimbursed.

Comprehensive coverage

Regardless of illness or accident, the cost of examination, medicine, bed, and surgery can be reimbursed.

Value-added services

In addition to reimbursement of medical expenses, it also provides services such as green channel and advance payment of hospitalization expenses.

After reading the advantages of Million Medical, let's take a look at what disadvantages he has?

High deductibles

Generally, there is a deductible of 10,000 yuan, and medical expenses that exceed the deductible can only be reimbursed. There are also products that are 5,000 yuan deductible. The premium corresponding to the $0 deductible will also be a little more expensive.

Renewals are not guaranteed

Most million medical insurance plans have a one-year term of coverage, and they need to be renewed at the end of the year, and if the product is discontinued, or does not meet the renewal requirements, the policy cannot be renewed.

There are also some million-dollar medical treatments that can be guaranteed to be renewed within the year.

Generally, friends aged 0-65, as long as their physical health meets the insurance requirements, they can be informed by health, then it is recommended to insure one point.

The annual premium of million medical insurance is only less than 300 yuan but you can get 6 million insurance amount, as long as it is a reasonable and necessary expense, as long as the deductible is removed, part of the cost will be reimbursed. This leads us to consider why millions of insurance plans are so cheap?

1.Million medical insurance has a certain deductible: that is, the part of the insurance that does not pay, that is, if your medical expenses do not meet this cost, it cannot be reimbursed, and it must be reasonably necessary.

No matter how much is the maximum reimbursement of a million medical insurance, its deductible is unchanged, and there is no need to pay if the deductible is not exceeded, and the deductible must be met for reimbursement if it is reached.

2.Million medical insurance can not be renewed: most of the million medical insurance is one-year, and there are many uncertainties in the medical industry, the risk is too great, and the purpose of the insurance company is also to make money, for young people to buy million medical insurance but rarely reimbursement, and the elderly, million medical insurance is basically one year, so it is not very cost-effective.

3.The older you are, the higher the premium: for young people, the annual premium of million medical insurance may only need two or three hundred yuan, while for the elderly in their 60s, the premium may be correspondingly more, and the cost of medical insurance may be as high as two or three thousand yuan per year.

So is Million Medical Useful Treatment? Is it worth buying?

At present, for people with limited economic conditions and inability to buy other insurance, using million medical insurance is undoubtedly the best choice, and those who have already invested in other insurance and want to increase the amount of insurance, million medical insurance is a good supplement, and million medical insurance also has advantages and disadvantages, depending on how you apply it. It is understood that million medical insurance companies develop such products in order to seize the market and enhance their popularity, which is not profitable in itself.

If you have not purchased other insurance, this is also a good choice, if you want to increase the amount of insurance, you can also choose a million medical insurance, when purchasing, you should pay attention to a good comparison and selection.

A more reliable and formal insurance company should also carefully understand the specific rules before applying for insurance.

This answer is provided by Compo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. I hope you find this answer helpful.