Is it reliable to buy millions of medical insurance for parents? Which is the best consumer medical

If you want to be equipped with medical insurance, Million Medical Insurance is indeed a good choice. Although this product generally has a deductible of more than 10,000 yuan, it can solve the risk of huge medical expenses very highly, and the risk of huge medical expenses for the elderly is also very high, which can fill the basic medical insurance.

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However, it should be noted that the million medical insurance is more suitable for the elderly under the age of 65 who are in good health and have a sufficient budget, and the main reasons are as follows:

1. Strict physical and mental health regulations: Million medical insurance has very strict requirements for the physical condition of the beneficiary, and health notification must be carried out before applying for insurance, and some elderly people have frequent chronic diseases.

For example, high blood pressure.

Diabetes, etc., may affect the insurance coverage.

2. Age requirements: This product is also limited to the age of the beneficiary, most of the million medical insurance maximum insurance age requirements 60-65 years old, only a few products also support 70-year-old people to insure.

3. The price is not cheap: they all feel that the interest rate of millions of medical insurance is low, and the interest rate is low for people, and it can be solved by 100 yuan a year. The price of the older group is still very high, after the age of 50, there is a personal social security insurance for the elderly, the annual insurance cost is thousands of yuan, without social security, it will take thousands of years.

Medical insurance can be divided into consumptive and rebivative types. For users with strong economic development ability, it is recommended to purchase the return type, pay attention to the scope of insurance liability when purchasing, and must distinguish which diseases belong to the scope of insurance liability and which diseases do not. This is also the period of examination for health and medical insurance, which refers to the commercial insurance after the policy has been in effect for a period of time.

Excellent talents are obligated to pay the medical expenses caused by the illness of the insured.

Legal provisions: Social Insurance Law of the People's Republic of China.

Article 23: Employees shall participate in the social medical insurance for employees, and the unit and the employees shall pay the basic medical premiums together in accordance with the provisions of the state. Self-employed without hired workers.

Part-time employees and other freelancers who are unable to participate in the social medical insurance for employees of the employing company.

You can sign up for social medical insurance for employees, and pay the basic medical premiums in accordance with national regulations.

Reliable, because there are many types of diseases covered by million medical insurance, and large amounts of compensation can be made. The consumer-based medical insurance issued by Chinese is generally very good, and you can choose accordingly.

It is very reliable, because parents will have more and more physical diseases after they get old, and their health will get worse and worse, and they can solve the problem of medical treatment in time after buying millions of medical insurance. Consumer-based medical insurance can choose emergency insurance.

If you want to configure medical insurance, million medical insurance is indeed a good choice. Good medical insurance long-term medical insurance can guarantee the renewal of the policy for 20 years.

1. It is still necessary for young people to buy millions of medical insurance, although most young people now have social security, but there is a limit on the threshold under social security, and there are many self-paid parts, for patients, they still need to face high medical expenses, and commercial medical insurance can be a good supplement to social security.

2. The coverage of million medical insurance is relatively wide, and the bed fee, meal fee, nursing fee, intensive care unit fee, examination fee, surgery fee, anesthesia fee, drug fee, material fee, ** fee, consultation fee, etc. will be reimbursed, and some million medical insurance will also give green pass service.

3. Million medical insurance premiums are cheap and the amount insured is high. As long as a few hundred to a thousand premiums a year, you can buy up to one million dollars, and even young people can afford to pay premiums.

4. However, the million medical insurance has a deductible, the amount is about 10,000, and the insurance company only reimburses the part that exceeds the deductible, and the protection period is only one year, and it may face the risk of stopping sales at any time.

Extended Information:1Million medical insurance means that after the user applies for insurance, if the disease specified in the insurance contract occurs, the user can get a maximum of 1 million compensation, which attracts many people to buy after the launch of this insurance. Moreover, the premium of this kind of insurance is not very high, and there are many types of diseases covered.

In fact, there are many matters that need to be paid attention to by policyholders when purchasing million medical insurance, such as the deductible amount of many million medical insurance, most insurance companies set a limit of 10,000 yuan, and many insurance companies also stipulate that social security must be deducted when making claims, and finally reimbursement is made according to the actual expenses of the insured.

2.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.

3.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.

Medical insurance is used to cover the cost of medical treatment. Most people can afford to pay for minor illnesses, but in case of a major illness, they may not be able to come up with so much money. Therefore, the amount of medical insurance is very weak, and there is no transfer risk.

At this time, a million-dollar medical insurance policy makes people feel very secure. If you are interested, click here to find out.

The health notice of the million medical insurance is relatively strict, and if you are in good health, you can apply for a million medical insurance. People with sub-healthy health can consider taking out a cancer prevention medical insurance.

However, Zhong'an Million Medical Insurance 2023 has lowered the insurance threshold for people with chronic diseases, and diseases such as hypertension and pulmonary nodules can also be insured if they meet the conditions, and there is no additional fee (*The specific conclusion is subject to the conclusion of intelligent underwriting).

If you are born 30 days old to 70 years old, you can apply for insurance if you meet the conditions, with a maximum sum insured of 6 million. For example, young people can get up to 6 million hospitalization medical insurance for only a few hundred yuan a year. If you are interested, click here to find out.

Here's the problem! What are the main highlights? Knock on the blackboard:

1) Wide insurance age: 30 days old - 70 years old, that is! Parents who meet the insurance conditions can also apply for insurance;

2) Wide coverage: Within the scope of responsibility, general outpatient and emergency treatment, general illness accidental injury hospitalization, and 100 kinds of critical illness hospitalization can be covered.

Previously, million medical insurance was often classified as "hospitalization medical insurance". Is there outpatient and emergency insurance? It is also insured, but the scope is limited and is usually limited to the associated outpatient and emergency expenses for a period of time before and after hospitalization.

However, the Million Medical Insurance 2023 upgrade adds general outpatient and emergency liability! Share an annual deductible of 10,000 yuan with general medical liability. That is to say, the medical expenses (including hospitalization and outpatient) paid by the individual within the responsibility can be compensated if the deductible reaches more than 10,000 yuan, and minor illnesses, pains, colds and fevers can be compensated without hospitalization after deducting the deductible;

3) High insurance amount: the maximum insurance amount for domestic medical treatment is 6 million, and the maximum compensation within the liability is 100%, so there is no need to worry about serious illness medical expenses;

4) Practical health management services: a variety of health management services, diversified and practical; For example, inpatient medical advances are made to alleviate the financial pressure on hospitalization. For example, the Green Pass for Critical Illness can arrange for accelerated examinations and hospitalization arrangements, making it faster and more convenient to see a doctor.

5) Cost-effective: In the case of such a wide range of coverage, it is not expensive. From $13 per month.

Commercial insurance is like this, I usually feel useless, and when I want to use it, I hate myself why I didn't buy it earlier! Life is a long road, and only by taking precautions can we go more assured and more stable. If you are interested, click here to find out.

Million medical insurance means that the insurance company provides up to one million claims for the diseases covered by the insurance, the protection period is one year, the premium is cheap, the sum insured is high, and the protection is complete, however, the health notification requirements are strict and there are renewal problems.

Million medical insurance is suitable for consumers who have medical protection needs and average premium economic ability, the age can not be too large, and the elderly are generally not suitable to buy million medical insurance, because it is difficult to meet the health requirements, and the actual product requirements shall prevail.

In terms of the current level of medical expenses in China, the vast majority of patients from the onset of the disease to the final death, the cost of invoicing is usually not more than 1 million, the same disease first-tier cities compared with the second and third-tier cities for the best effect, longer time, but also higher cost.

Although the reimbursement rate of million medical insurance claims to be very high, ranging from 60% to 100%, the real reimbursement is far lower than the consumer's expectations, so this kind of product is more suitable for people who live in big cities for a long time, and the medical expenses can easily exceed the deductible of the insurance product, and they should have a certain amount of savings, have the ability to pay for the initial cost of the disease, and can also bear the self-paid part.

Million medical insurance is suitable for consumers who have medical protection needs and average premium economic ability, the age can not be too large, and the elderly are generally not suitable to buy million medical insurance, because it is difficult to meet the health requirements, and the actual product requirements shall prevail.

Medical insurance is what we know best, and at the same time, we should also know that million-level medical insurance has low premiums and high security, which is very in line with the psychology of ordinary people. The higher the insurance, the higher the payout, and everyone wants to buy millions of health insurance, but that doesn't mean everyone can get it. A large number of medical insurance is very popular, not only is the insurance ** high and cheap, but some people often buy the wrong insurance because they don't know it.

$1,000,000 medical insurance is when an insurance company can provide up to $1,000,000 for covered illnesses. The term of insurance is one year, the premium is low, the sum insured is high, and the coverage is wide. However, the requirements for health notifications are very strict, and there are issues with updates.

Million medical insurance is suitable for consumers who have medical security needs and have medium economic ability, the age can not be too big, the elderly are usually not suitable to buy million medical insurance, because it is difficult to meet health needs, insurance products that can be insured, depending on the rules of the insurance company.

In fact, the millions of health insurance plans themselves don't have much restriction on what people can buy, as long as there is a need that can be purchased, and the premiums are supported by everyone. It is worth noting that although there are millions of people who claim that the reimbursement rate is very high, ranging from 60% to 100%, the amount that is really able to be reimbursed is far below what consumers expect (because only reasonable and necessary ** expenses will be reimbursed, and concession rights will also be deducted) and medical reimbursement or product type, with all previous ** expenses paid first. Therefore, it is advisable for consumers to have a certain amount of savings and can afford to pay for the early costs of the disease in advance, and can also afford to pay part of their own expenses.

Most of the million-level medical insurance on the market are actually similar, and it is best to compare and purchase million-level medical insurance products according to the following aspects when choosing. Millions of health insurance products are usually only protected for one year, and renewing is essential if you want long-term protection. There are many kinds of renewal conditions, and it is better for us to choose those loose products when choosing, rather than choosing one in which it needs to be reviewed every year, and the odds of renewing or individual claims will be rejected according to the health status and historical claims of the insured are almost the same, and the practicality of value-added services has become a standard choice.

At present, there are some practical value-added services on the market, such as prepaid medical expenses, outsourced drugs, proton and heavy ion medical treatment, special needs medical treatment, medical green ticket service, etc., so pay attention to whether the product has these high-practical services when purchasing.

First, you must have a certain financial strength, and the cost of buying insurance will not become a burden on life. Second, having a comprehensive understanding of one's own body, whether it is weak and sick, or healthy and strong, can also predict whether you need such medical insurance.

People with relatively strong economic strength, such people have enough money to buy this insurance, and this is good for themselves, and can effectively protect them.

I think it's appropriate for people who are particularly wealthy to buy million-dollar health insurance because it's very expensive.

If you have some serious diseases, you should buy this insurance, and you will get a lot of reimbursement in the end.

Adults over the age of 18 can buy it, those who have the financial conditions can buy it, and those who need it can buy it.

It should be the kind of people who are relatively wealthy, or people who are engaged in some dangerous jobs, can buy this insurance, and those who have family genetic diseases can also buy this million medical insurance.

Whether to buy millions of medical insurance or critical illness insurance for your parents, you can choose according to the premium budget and actual needs, such as:

If the premium budget is not very sufficient, then you can consider taking out a million medical insurance, which has a low premium and high insurance amount; In critical illness insurance, the premium of term critical illness insurance will be relatively lower;

If the premium budget is sufficient, then you can consider taking out both million medical insurance and critical illness insurance, the former can reimburse reasonable and necessary medical expenses incurred due to illness or accident, and critical illness insurance can pay a lump sum insurance payment for serious illnesses such as malignant tumors as agreed in the insurance contract;

If you just want to reimburse medical expenses, then you can consider only buying a million medical insurance, but the deductible is higher, generally 5,000 or 10,000, and these money also need to be borne by the insured; Critical illness insurance is that as long as the insured suffers from the contracted illness and meets the claim conditions, a sum of insurance can be claimed, and some critical illness insurance also has a death benefit, which can also be claimed after the death of the insured.