Is there a connection between mutual insurance and million dollar medical insurance?

There is no correlation between mutual insurance and million medical insurance when a claim is made, but when he makes a claim, one claims is made by one claims company and then another claim.

Mutual insurance and Million Medical Insurance are not related in the event of a claim.

Mutual treasure and million medical insurance are not related to each other when a claim occurs, and they can be reimbursed for ** expenses separately.

1. The two insurances cannot be claimed at the same time.

2. Medical reimbursement is reimbursed by invoice, and there is only one copy, how can two copies be compensated.

3. Alipay's long-term medical insurance requirements for hospitals are the general department of secondary and above public hospitals.

4. If it is a general hospitalization, then the maximum compensation is 6 million, if it is a critical illness hospitalization, then the maximum compensation is also 6 million (such as malignant tumors), if it is cancer, it is 0 deductible, and if it is hospitalized, it will be paid in advance in 65 cities across the country.

Good medical insurance long-term medical insurance 2020 is Alipay's recently upgraded million medical insurance, this product has been attracting attention since its launch, due to the good product protection, but after my day and night evaluation, I found that this product still has these shortcomings, and what are the specific shortcomings, are in this article:

Good medical insurance on Alipay, long-term medical care, you need to know these pits after upgrading, which analyzes in detail the protection content, advantages and disadvantages of long-term medical insurance, and the points that must be paid attention to before purchasing, let me briefly talk about what has been added to the long-term medical care after the upgrade, and is it worth buying?

1. Good medical insurance long-term medical care 2020, what has been upgraded

Let's compare the 2018, 2019 and 2020 versions to see what has been upgraded:

Directly from the conclusion, good medical insurance long-term medical care mainly updates these two points:

Optional Liability Cancer Overseas ** has been added, which can reimburse up to 2 million** expenses, at a rate of 70%;

The liability for new crown pneumonia has been increased, and a one-time compensation of 100,000 yuan will be paid for confirmed critical cases.

Second, is the upgraded good medical insurance long-term medical care good?

After the upgrade, the 2020 protection of good medical insurance has increased, and it is also competitive in the market, but the health notification program is more standardized and clear, and it has become more stringent. If you have some minor physical problems, you can learn more about other popular medical insurance and choose the medical insurance that suits you.

So, in addition to good long-term medical insurance, are there any other medical insurance that is worth buying? I compared the million-selling medical insurance products on the market in 2020, due to space limitations, there is too much content, you take a look at this article2020 Inventory: The Most Recommended Medical Insurance in 2020!

I believe that after reading it, you can easily choose the right medical insurance for yourself.

That's all for me"Alipay mutual insurance and good medical insurance long-term medical care, the two insurances are claimed at the same time, can the claim exceed the cost of hospitalization? "

No, medical reimbursement is reimbursed by invoice, only one, how can you pay two, unless you buy the kind of product that is paid in advance, that is, the long-term insurance, accident, or critical illness pushed by the insurance salesman.

Accident insurance is in the event of an accident, such as a fall.

Hospitalization, such as hospitalization due to illness, or hospitalization due to accident is a different type of insurance.

If it is hospitalization caused by an accident, it can be superimposed, but million medical treatment is to reimburse medical expenses, and accident insurance is to lose money.

I hope I can help you, I am the best person in Ping An Insurance.

You can make a claim at the same time, if you guess correctly, Million Medical has a deductible, right? Accident insurance within 10,000 yuan, and medical treatment of more than 10,000 yuan. In principle, the cumulative reimbursement does not exceed the cumulative expenditure.

In this case, the medical expenses of myocardial infarction are not counted as accidental injuries.

Background: I have experienced water drop employees before.

There is a conflict between the medical insurance of water drop mutual aid and commercial insurance, and only 20% of the insured amount will be paid for the first time, for example: 300,000 young and middle-aged people have serious illness mutual aid, and after diagnosis, there is only the early stage: 300,000 * 20% = 60,000 compensation, and the rest of the money is that if you don't have other medical insurance, then you can be reimbursed within 300,000 yuan you use; If you give 60,000 emergency mutual aid funds, and find that you have other commercial medical insurance, you basically have to use your own commercial medical insurance to reimburse almost, and the rest is the remaining 10,000 deductibles after the commercial insurance is reimbursed, and water drop mutual aid can help you reimburse, that is, there is commercial medical insurance in theory, and young and middle-aged people can help you reimburse for serious illness

60,000 emergency funds + 10,000 additional commercial insurance deductibles = 70,000 yuan.

Of course, there is no conflict between the water drop mutual aid and the commercial critical illness insurance, that is, I bought 200,000 yuan of critical illness insurance, and the corresponding disease insurance company compensated me 200,000 yuan, and the water drop mutual aid took 300,000 yuan of serious illness mutual aid for young and middle-aged people as an example, according to the customer's condition, as long as the conditions are met, 300,000 yuan can be reimbursed.

I also participated in the water drop mutual aid, the cost of each month is sometimes very high, compared to Alipay's mutual treasure is different, mutual treasure is as long as the diagnosis is related to the disease, you choose the 300,000 amount of mutual treasure, it will directly call the 300,000 to you, mutual treasure is really not in conflict with other commercial insurance, it is recommended to start with mutual treasure, water drop mutual aid everyone can also enter if there is no insurance, there are already millions of medical insurance, it is recommended to start with mutual treasure, of course, a few dollars per month, If you want to participate, you can also participate.

The above is a personal experience point of view, you can take a look, if you feel that there is something you don't believe, you can also verify with the customer service of Water Drop.

There is no conflict with this, and if you join a mutual aid plan, you can have both commercial insurance and medical insurance. If you have an individual need, you can join at the same time, and it is always good to have multiple coverages.

There is no conflict between Water Drop Mutual Aid and other mutual aid platforms, or insurance, and you only need the original ** to apply for mutual aid, please feel free to join.

There should be no conflict, and if you buy commercial medical insurance and social medical insurance, you can also be reimbursed on a pro-rata basis

If you have purchased critical illness insurance and million medical insurance at the same time, and your condition meets the requirements of the insurance contracts of the two policies, then you can get a claim at the same time, and the claim will not conflictAs for which one gets the most claims in the end, it depends on the amount of insurance purchased by the critical illness insurance and how much medical expenses are spent.

Critical illness insurance is a type of benefit-based insuranceAs long as the critical illness meets the requirements of the insurance contract, you will be paidThe amount of compensation may be 100% of the sum insured, or it may be greater or less than the sum insured, depending on the terms of the contract, but generally speaking, the sum insured for critical illness insurance starts at 300,000.

Million medical insurance is a reimbursement type of insurance, which needs to be reimbursed after spending money firstMillion medical insurance will have a deductible limit of 10,000 yuan, and only pay for medical expenses other than the deductible, but the insured amount of million medical insurance is generally several million, if the condition is serious and you need to spend millions of medical expenses, then it may be more than one million medical insurance in the end.

Therefore, you don't need to be entangled when you buy critical illness insurance and million medical insurance, you can buy it, and there is no conflict when making claims, and it is really beautiful to give yourself a double protection!

If you want to buy critical illness insurance but don't know which one to buy, click the link quickly, the cost-effective critical illness insurance, you deserve it! Top 10 Popular Critical Illness Insurance Points Worth Buying!

The two insurance functions are not the same.

Critical illness insurance is a compensation upon diagnosis, for example, if you buy 500,000 insurance to ensure that 500,000 can go to the doctor, if you spend 200,000 to see a doctor, the remaining 300,000 can make up for the lack of salary income during the recuperation period;

Million medical insurance is an expense reimbursement type insurance, buy 1 million insurance, medical expenses cost 200,000, social security reimbursement 100,000, deductible 10,000, the final reimbursement of expenses is: 200,000-100,000-10,000 = 90,000, the basic principle is: the reimbursement amount will never exceed the medical expenses!

You say which two products, normal critical illness is a payment type, once the diagnosis of the direct compensation amount, the solution is income compensation and loss compensation, million medical belongs to the reimbursement type, take the invoice for reimbursement, the two do not conflict, you can claim together,

I first reported 12,000 for small medical treatment, and then went to report for one million medical treatment, and when they deducted 10,000 yuan, they subtracted 10,000 yuan and then reduced the rest of the minor medical treatment. That is, the total cost is 60,000 24,000 (cooperative medical care)-12,000 10,000 and 14,000 yuan.

As long as your medical expenses are covered by the insurance, you can apply for both the Million Medical Insurance and the Micro Insurance at the same time.

Since you have purchased different insurances, you can apply for a claim at the same time.

It is possible to apply for a claim at the same time, and the two types of insurance do not conflict with each other.

The two are not the same company, each contributing 300,000, a total of 600,000. However, please note that the mutual aid plan is not an insurance contract and may not be subject to certain conditions, which means that in extreme cases, both companies may not pay any money.

If it is medical insurance, it can only be claimed by one party, and if it is critical illness insurance, both parties can get the claim, in a word, the key is to see the type of insurance you purchased when you joined.

Mutual treasure and water drop mutual aid are two different platforms, if there is a claim, meet the conditions agreed in the contract, both companies can get compensation, if one is 300,000, the two can apply for 600,000 compensation.

This thing is similar to critical illness insurance, there is no upper limit on the amount of insurance for critical illness insurance, you can buy products from several companies, and if you pay compensation, each company will pay, as long as you meet the conditions agreed in the contract and meet the health notification requirements before applying for insurance.

Hello, each pays its own and there is no conflict.

Because critical illness insurance is a compensation type, and million medical care is a reimbursement type, the two are not in conflict at all, and they can be reimbursed at the same time.

Which is better, Million Medical Insurance or Critical Illness Insurance? How to buy it? I'll tell you more

Regarding medical insurance, many people have a question: I don't know what to buy, here is a comparison table of the latest domestic medical insurance products, and you will know which one is good after reading:"Super Complete! Domestic 136 popular million medical insurance ranking list

If you are going to buy medical insurance.

Before buying commercial medical insurance, it is recommended to configure medical insurance first. Medical insurance is the most basic guarantee, with the characteristics of low threshold and low price. Commercial medical insurance is a supplement to medical insurance, which can reimburse items that cannot be reimbursed by medical insurance, such as high-end, special, and so on.

There are many types of medical insurance, and the common ones are three types: million medical insurance, hospitalization medical insurance, and cancer prevention medical insurance.

Let's talk about the roles of each of these 3:

1. Million medical insurance

Million medical insurance is a product suitable for all ages, first of all, it is the most affordable, secondly, the amount of reimbursement is high, and there is no limit to the reimbursement of diseases, the premium is a few hundred yuan a year, and you can get millions of yuan in reimbursement, it is really worth it. At the same time, the coverage of million medical insurance is also very comprehensive, such as bed fees, nursing fees, surgery fees, drug costs, material costs, etc., can be reimbursed.

Let's analyze the 3 best-selling million-dollar medical insurance on the market:

We can understand by **.

(1) Good medical insurance:Its biggest highlight is the guaranteed renewal for 6 years, which is unmatched by many products. During these 6 years, you can renew the policy no matter what.

(2) Exclusive e-life:Added post-operative home care, oncology specialty services, and increased family sharing deductible options.

(3) Micro-medical insurance:The highlight of this is the inclusion of value-added services for international second care and the professional written medical advice you can get.

Through the above analysis, it is not difficult to see that each product has its own characteristics, and it is recommended that you choose according to your own needs when purchasing.

In addition, there are many cheap and high-quality million medical insurance products, friends in need can click on the original article to view:"These 10 Million Medical Insurance You Deserve It".

2. Hospitalization medical insurance

Low deductibles and low sum insured are the main features of hospitalization medical insurance. This type of insurance is mainly used to reimburse outpatient services, and this kind of insurance is generally more suitable for younger babies or the elderly. Because children and the elderly have a weaker constitution and poor immunity, they are more likely to be infected by viruses and bacteria and have a cold and fever, relatively speaking, this insurance will be of greater use to them.

3. Cancer prevention medical insurance

Since the vast majority of millions of medical insurance and hospitalization medical insurance are insured at the age of 0-60 years old, the older ones cannot be insured, and they can be insured with cancer prevention medical insurance.

The content of cancer medical insurance is for cancer, and the health notice of this insurance is relatively loose, and the insurance age is relatively wide. It is more suitable for people with poor physical function and older age.

If you buy medical insurance and critical illness insurance, you can make a claim at the same time, so wouldn't you earn it! But before that, Senior Sister suggests that you first understand these insurance knowledge:"Super Complete! Everything you need to know about insurance is here!

1. Critical illness insurance

If you buy critical illness insurance, the insurance company will pay you a lump sum of money if you suffer from a critical illness specified in the insurance contract. Since we are talking about critical illness insurance claims, you may wish to have an in-depth understanding of the claim process:The critical illness insurance claim process, if you don't take notes carefully, you will suffer!

2. Medical insurance

This is a type of compensation insurance, which reimburses the expenses stipulated in the insurance contract for hospitalization, surgery, medicine, examination, etc. Of course, the reimbursement will be subtracted from the part of social security reimbursement, and then subtract the deductible stipulated by medical insurance, and then reimburse according to the prescribed proportion! Therefore, medical insurance and critical illness insurance can be claimed at the same time!

So, will there be a conflict between medical insurance and critical illness insurance and other types of insurance? For a detailed analysis, please see this article:Will there be any conflict between critical illness insurance, accident insurance, medical insurance, and life insurance claims?