Why buy million medical insurance, why buy million medical insurance

The necessity of buying a million medical insurance:

1. Transfer the risk of serious illness.

Million medical insurance is mainly to protect some large medical diseases, usually minor illnesses and small pains can be reimbursed through social security, but once you encounter large medical expenses, the use of million medical insurance is very large, can be a good transfer of serious illness risk.

2. Improve security.

Different insurance plans have their own usefulness, even if you already have critical illness insurance.

Accident insurance and other insurance, million medical insurance still need to be configured, because it can make the protection more perfect.

Million Medical Insurance Claim Requirements:

1. In the event of an accident or illness, it must be within the valid insurance period.

The coverage period of Million Medical Insurance is usually one year, and if an illness or accident occurs during the insurance period, it can be reimbursed if it meets the coverage of the benefit. However, in the event of an accident or illness, the insurance company will not pay out if it is not within the effective insurance period.

2. Medical expenses must exceed the deductible.

Million medical insurance products usually have a deductible of 10,000 yuan, which means that after deducting social security, the remaining part that needs to be paid out of pocket needs to be deducted 10,000 yuan, and the final rest is the part that the insurance company will pay, which means that if we want to get compensation, the out-of-pocket part must exceed the deductible.

3. You must be treated in a designated medical institution.

At present, most of the medical institutions of millions of medical insurance products are limited to public hospitals at the second level and above in the country.

If it is not a medical institution under this condition, the insurance company will not be able to pay compensation.

Million Medical Insurance Reimbursement:

1. Report the case in a timely manner.

Once we have an accident or illness, we need to report to the insurance company in time, because each product will have a limit on the reporting period, beyond the reporting period, the insurance company will not accept it, the first step to apply for reimbursement is to call the insurance company as soon as possible to report.

2. Prepare materials.

After reporting the case, the customer service staff will assist you in telling you the materials you need to prepare, usually you need to fill out the reimbursement application form and provide relevant documents and identity certificates, etc., and submit the materials to the insurance company together after the materials are ready.

3. Review by insurance companies.

After receiving the materials provided by the insured, the insurance company will review the materials, and if there are any missing materials, the insured will be notified to complete them as soon as possible, and the authenticity of the materials will also be verified.

4. Both parties check the information.

Regardless of whether the review is passed or not, the customer service staff of the insurance company will contact the insured, and if the review is not passed, the specific reason will be informed, and if the review is passed, the final amount of compensation will be confirmed with the insured.

5. Collect the claim payment.

Once both parties have no objection to the outcome of the application, the next step is to wait for the insurance payment to arrive.

Test your anti-risk index, experts will interpret it for you for free!

Hello! There are three main reasons to buy million-dollar medical insurance:

1. The premium is cheap and cost-effective.

The premium of million medical insurance is not expensive, a few hundred yuan per year, you can enjoy millions of yuan of protection, and the cost performance is very high.

For example, 30-year-old people buy this product to enjoy worry-free, and the annual premium is only more than 200, which can be borne by ordinary salaried people.

At the same time, as you get older, the premium** also increases, so it is more suitable to buy while you are young.

2. It can solve the expenditure of low-frequency and large-scale medical expenses.

We know that there is a minimum payment line and a ceiling line for social security medical reimbursement.

Moreover, according to local policies and hospital levels, there is also a limit on the reimbursement ratio of social insurance, which is usually 50%-90% of medical expenses.

The scope of reimbursement is usually required to be in the social security catalog, and the expenses outside the social security catalog are completely borne by the individual.

Imported drugs and special drugs, as well as high-end medical surgeries, are not covered by social insurance.

The more serious the disease, the more necessary it is to use better drugs and more effective means, which means that the higher the medical expenses, and these are most likely to be borne by the individual.

As an important supplement to social security, million medical insurance can greatly solve the low-frequency and large-scale medical expenses.

Whether it is hospitalization caused by illness or accident, in addition to social security reimbursement, reasonable and necessary medical expenses can be reimbursed if the deductible is exceeded.

And most of the million medical insurance can reimburse expenses outside the social insurance, and the coverage is wider.

Spending a small amount of money and passing on big risks is the most attractive quality of Million Dollar Medical Insurance.

3. Full guarantee responsibilities and many value-added services.

Another obvious feature of million medical insurance is that it can cover medical expenses incurred regardless of illness or accidental hospitalization.

In addition, an excellent million-dollar medical insurance can not only reimburse general inpatient medical expenses, but also include practical value-added services such as green pass, medical advance, purchased drugs, and overseas medical treatment.

When needed, the insurance company can help contact the hospital, make an appointment**, and help pay the high medical expenses in advance, which solves the problem of "difficult and expensive to see a doctor" to a certain extent.

Hope daddy's is helpful to you!

Whether medical insurance is necessary or not also needs to be based on the actual needs and budget of the individual. Million medical insurance is a reimbursement product, which can solve the medical expenses of serious illnesses and reduce the burden on patients, and has its own characteristics, specifically:

1. Solve the reimbursement of medical expenses for serious illnesses.

If you suffer from a serious illness, you can be reimbursed by millions of medical insurance to prevent financial pressure caused by high medical expenses.

2. The protection is not limited to the scope of social security.

The reimbursement of million medical insurance is not limited to the scope of social insurance, whether it is medical expenses in or outside medical insurance, it can be reimbursed.

3. Cheap premiums.

Compared with the heavy nightshade insurance, the premium of the million medical insurance is cheaper, and the premium of the ordinary million medical insurance is about 1,000 yuan if the elderly are insured, but the same elderly to apply for critical illness insurance may require a premium of tens of thousands of yuan.

4. Renewed medical insurance.

Million Medical Insurance is now renewing medical insurance for 20 years, and the renewal is stable, and it will not be unable to be renewed due to claims, changes in physical health factors or product discontinuation.

5. There is no deductible for critical illness.

It's just that when buying million medical insurance, you need to pay attention to:

1. Health notice.

The health notice of the million medical insurance is relatively strict, and you can try to choose the one million medical insurance with more relaxed health notice on the premise of meeting the protection needs.

2. Renewal Terms.

Choosing a medical insurance that guarantees renewal is more practical than a million-dollar medical insurance that does not guarantee renewal.

3. Scope of reimbursement.

4. Deductible.

The deductible of million medical insurance is higher, but not all of them are 10,000 or 20,000, but there are also 5,000.

5. Guarantee content.

When applying for insurance, understand the content of the million medical insurance and the content of the non-compensation.

6. Pay attention to value-added services.

Some medical insurance companies in the market will have some value-added services such as extended special drugs, heavy ion medical treatment, as well as hospitalization advance payment and critical illness green pass, which are more useful for patients.

7. Pay attention to your age.

Millions of medical insurance usually have a certain age limit, and the usual coverage age of medical insurance on the market is 28 days to 60 years old. Apply within the age range.

8. No reimbursement will be made during the waiting period.

Million Medical Insurance usually has a 30-day or 90-day waiting period, and it will not be paid if the insurance is incurred within this period.

9. Limit on the amount insured.

Some of the reimbursement items in the coverage content of the million medical insurance have certain limits on the amount of insurance, and you need to pay attention to the fact that a few products have a single limit for outpatient surgery, etc., and you can choose to have fewer restrictions.

10. Occupation requirements.

Different occupations face different occupational risks. From low to high risk, insurance companies will classify common occupations into categories 1-6. Some products can be purchased for 1-3 occupations, and some can be purchased for 1-6 occupations, and medical insurance within the scope of the occupational category is selected.

There is a kind of insurance, and Baibaojun recommends that everyone have one. That's right, it's a million medical insurance.

There are three reasons to buy him:

First, ** refers to the lack of appropriateness, the annual premium for adults is a few hundred yuan, and everyone can afford it;

Clause. Second, the insurance amount is high, at least the insurance amount is millions per year, and it costs hundreds of yuan to reimburse hundreds of thousands to millions of Qizheng, and the leverage is very large;

The third step is to be reimbursed as long as the hospitalization expenses exceed the deductible of 10,000 yuan.

Anyway, you can buy it separately, and it's cheaper, so why don't you buy one in a hurry?

Test your anti-risk index, experts will interpret it for you for free!

It is useful to buy million medical insurance:

1. It can solve the problem of reimbursement of medical expenses for serious illnesses, high medical expenses for serious illnesses, and millions of medical insurance insurance is specially designed for serious illness protection, with an insurance amount of millions, which can reimburse reasonable expenses and reduce the burden.

2.Value-added services are convenient. Millions of insurance plans from many insurance companies will provide value-added services. Prepaid medical insurance can help solve the financial stress in the early stages of hospitalization. The Green Pass for Serious Illnesses provides convenience for patients with serious illnesses.

3.Premiums are affordable. The amount of coverage for millions of Medicare is in the millions.

Premiums are relatively cheap. Most of them are a few hundred dollars, which is basically affordable. The elderly are insured for more than 2,000 yuan, but in the same way, the serious illness insurance for the elderly is basically tens of thousands of yuan.

4.Extensive coverage, many reimbursements for illness, wide coverage of medical insurance for millions, and unclear disease restrictions. Generally speaking, the scope of medical insurance for millions refers to general medical treatment and refers to the illness or accident coverage of ordinary non-serious illnesses.

Critical illness medical treatment is the coverage of medical expenses arising from serious illness as agreed in the contract. In addition to inpatient medical expenses, there are also special outpatient medical expenses, outpatient surgery expenses, and outpatient and emergency medical expenses before and after hospitalization. Million Medicare can be reimbursed.

5.There is a reimbursement for cancer**. Specialty drugs and proton heavy ions** are common in cancer** and are expensive, and millions of state health insurance can cover the cost of both parts, thereby reducing the financial pressure on patients.

6.Guaranteed renewal without worrying about interruption of medical coverage. Although the million medical insurance plan is usually for one year, there are many medical insurance plans that are guaranteed to be renewed. Some medical register absentee insurance plans are guaranteed to be renewed for 20 years, which means that the renewal is not affected by claims, health changes, or product discontinuation.

7. The internal and external expenses of medical insurance can be reported, and the reimbursement of medical expenses of millions of medical insurance is not limited to inside and outside the medical insurance catalog, which is equivalent to the reimbursement of imported drugs and self-financed drugs.

9. There is no restriction on the type of disease, there is no restriction on the type of disease in the medical insurance of millions, and there is medical protection for serious diseases and non-serious diseases, which is equivalent to no matter what disease, as long as the cost meets the scope of the contract, it can be reimbursed.

10. It belongs to medical insurance supplement, and million medical insurance is a medical insurance supplement, which can be reimbursed for imported drugs that cannot be reimbursed by medical insurance.