Peace of mind Internet 2019 peace of mind million medical insurance is a scam, everyone must not buy

If you don't read the contract carefully when you buy insurance, you will patronize the small and cheap, and as a result, you will not take advantage of it, so you will say that people are deceiving. Do you think pie will fall from the sky? Read the contract carefully, if you meet the terms in black and white, and people do not pay compensation, you can just sue the court or sue the CBIRC.

Anxin Million Medical is not a fraud, just look at the insurance contract, and the standard of compensation will be written on it.

Basics. Regarding the basic insurance rules, Daddy has something to say:

1. The insurance age range is wide, and the occupational restrictions are relaxed.

The insurance age of Anxin Million Medical 2020 is 0-65 years old, which is relatively wide compared to similar products, and it is more friendly to the elderly in good health!

In terms of occupational restrictions, except for high-risk occupations, people can be insured, while other products are generally limited to 1-4 occupations, so a comparison will find that the insurance restrictions of this product are relatively relaxed.

2. Guaranteed renewal is not supported, but the renewal conditions are relaxed.

Safe Million Medical 2020 is a one-year million medical insurance that does not guarantee renewal, but the renewal conditions are relatively relaxed, and the policy will not be rejected due to historical claims or physical abnormalities when renewing the policy in the second year.

Then look at the content of the guarantee, whether there are pitfalls:

10,000 general medical insurance amount, 0 deductible for critical illness medical treatment.

In 2020, Anxin Million Medical agreed on a general medical insurance amount of 3 million, but there was a deductible of 10,000 yuan; After the expenses are settled by social security, the deductible of 10,000 yuan will be deducted, and the remaining expenses can be reimbursed 100%.

However, if you do not use social security to settle the settlement, you can only reimburse 60%, but if you can't use social security for medical treatment in other places, you can still reimburse 80%, which is still more humane.

In terms of critical illness medical treatment, there is a sum insured of 6 million, covering 120 critical illnesses with 0 deductibles; In addition, it also includes a transportation subsidy for medical treatment in a critical illness area, with a total of 5,000 yuan.

2. Value-added services include proton heavy ions.

The coverage content of value-added services is also an indicator of whether a million-dollar medical insurance coverage is comprehensive.

In addition to the basic purchase of drugs, medical advances and medical green passes, there are agreements on proton heavy ions for effective ** tumors, with a total of 6 million insurance amounts, 100% reimbursement, but the 6 million is shared with critical illness medical treatment.

Not a lie, but not cost-effective.

Safe Million Medical Insurance 2020 is a medical insurance with 6 million medical coverage, which is underwritten by Safe Sense Insurance.

The leverage ratio of million medical insurance is very high, and it can leverage millions of sum insured with a few hundred yuan, which can be used for medical expense reimbursement.

The basic coverage of Millions of Medical Insurance is very similar to that of most Million Millions medical insurance plans on the market

1. The general medical insurance is 3 million, and the medical insurance is 6 million for major diseases, including 120 kinds of critical diseases. The general medical deductible is 10,000 yuan, and 120 major diseases are 0 deductibles, 100% of which are reimbursed after social security reimbursement, and 60% are reimbursed without social security.

2. The proton heavy ion medical deposit is shared with the critical illness insurance amount, a total of 6 million, which can be 100% reimbursed.

3. Hospitals are restricted to public hospitals of the second level and above.

4. Value-added services include green channel and expense advance, purchased drugs, and expense advance, and the value-added service is perfect.

5. It should be noted that the renewal of Anxin Million Medical Insurance needs to be reviewed.

In general, the protection content of the 2020 version of the Anxin Million Medical Insurance is relatively comprehensive and the value-added services are practical, but the renewal conditions are not good, and the renewal needs to be re-reviewed.

Daddy summary: Overall, although the million medical insurance of Anxin Insurance is comprehensive, it is not cost-effective compared with the popular million medical insurance products on the market because the renewal conditions are not good.

Friends who hope to buy a more cost-effective and comprehensive medical insurance product with comprehensive protection are recommended to compare and consider more.

Of course, if you want to protect well, it is not enough to rely on millions of medical insurance, and it can be considered comprehensive with critical illness insurance, accident insurance, and life insurance.

Peace of mind million medical insurance is really a scam, it is certainly a scam.

It's not a lie, but some small insurance companies, if you are afraid, you should still find a big one for safety.

I saw a guy who was supposed to sell insurance.

Insurance is to "commit suicide" first and then "kill ripeness".

Peace of mind medical insurance, I don't think it's a lie, it's a medical table insurance that can ensure that we have a certain amount of protection when we get sick.

Rest assured, Medicare shouldn't be a lie.

A: The fact that peace of mind medical insurance is supposed to be deceptive.

Anxin medical insurance is an insurance on Alipay, and all insurance on Alipay is approved and formalized.

There are many different types of insurance these days. I really can't figure out if it's real or fake. But I still think to go to a regular insurance company to buy insurance. It's reassuring.

In general, I think it's better not to join the small medical insurance.

It's a lie! What a matter of automatic deduction of money.

Whether it's a lie or not depends on your own field trip.

Peace of mind medical insurance is really not a lie, you can find out more specifically.

Take the first 6-year guaranteed renewal of the "good medical insurance and long-term medical care" insurance launched by the Alipay platform as an example, it is true and not deceiving.

On May 10, 2018, Chinese People's Health Insurance Company, a professional subsidiary of Chinese People's Insurance Group, and Ant Financial jointly held a press conference to launch the first "Good Medical Insurance and Long-term Medical" insurance with 6-year guaranteed renewal on the Alipay platform, which is also the Internet million medical product with the longest guaranteed renewal period.

It has taken a real step in accelerating the supply-side reform of health insurance, returning to the origin of insurance protection, and giving full play to professional advantages to promote product innovation. In response to the pain points of public demand and the market, Chinese Health combines data, analysis and application in the field of professional health insurance to take the lead in developing a 6-year guaranteed renewal Internet long-term medical insurance product in the industry to provide customers with more comprehensive medical and health protection.

Previously, the million medical insurance product on the market was a one-year short-term insurance product, which was no longer accepted for renewal. Chinese Health Insurance on Alipay "Good Medical Insurance and Long-term Medical" insurance clearly stipulates that the insured applies for this insurance for the first time, and every 6 years from the effective date of the contract is a guaranteed renewal period, and during the guaranteed renewal period, the insured will not adjust the premium price and will not be refused to renew the insurance due to health status or claim status.

In this way, the long-term interests of the insured are fundamentally protected. At the same time, the clause also clearly states that if the insurance is discontinued due to uncontrollable factors, the policyholder can apply for other medical insurance products of the company by way of renewal (no waiting period and no need to fill in the health notice again).

As soon as the million medical insurance debuted, it attracted much attention, and Chinese Life also came to get a piece of the pie, and recently launched a million peace of mind medical insurance. Then whether this product is the most sincere product in Chinese's life, interested may wish to take a look at the comparison table between this product and the national hot-selling 100 yuan million medical insurance:Ultra-complete!

Domestic hot million medical insurance comparison table!

Listen to others say that it is better to evaluate yourself and see how cost-effective the product is, let's look directly at the picture:

1. Advantages

Flexibility: This product can choose to go to Japan for medical treatment with cancer, and the sum insured is as high2 million, which can be reimbursed at 70% of the actual cost. At the same time, the critical illness allowance can choose to be diagnosed with a critical illnessThe payout is 10,000, which is equivalent to 0 deductible

It is suitable for the needs of different groups of people, and can be flexibly chosen according to their budget.

High sum insured: This premium version of the Million Dollar Treatment General Medical Coverage Coverage is reached3.3 millionIn the event of 6 diseases such as cancer and acute myocardial infarction, the medical reimbursement amount can reach 6.6 million. ThisFor a critical illness, it isMore than enoughYes, very generous.

2. Disadvantages

Some critical illnesses have a large threshold for claims: Sudden lesions of cerebral blood vessels cause cerebral vascular hemorrhage, embolism or infarction, and lead to permanent dysfunction of the nervous system. 180 days after diagnosis, there are some sequelae that can be paid out.

However, once the cerebrovascular outbreak occurs, it is easy to lead to death if not treated in timeIt takes 180 days to determine whether the reimbursement can be made, and the threshold is really high

It is difficult to pay for outpatient treatment before and after hospitalization: This product only includes hospitalization7 days before and 14 days after thatoutpatient and emergency expenses, which are included for a short period of time, and the insured person's reimbursement is limited. The better products on the market generally include:30 days before and 30 days after that, the payout threshold is relatively lower.

Proton and heavy ion protection is not in place: Proton heavy ion reimbursement is expensive, but it is very effective for **cancer. This product and general medical coverageShared Sum Insured, the payout of this piece is greatly reduced.

Many people buy millions of medical insurance for this protection. If the reimbursement amount is low and the protection is not in place, it is not particularly consumer-friendly.

Overall, this product is average value for money, there is no very special prominence, the same ** can buy better protection and value-added services.

If you are a friend who pursues high cost performance, you may wish to take a look at this list of best-selling millions of medical insurance in the country, and some can even buy an insurance amount of 6 million yuan for less than 100 yuan:Top 10 best-selling million-dollar medical insurance

"Million Medical Insurance" was launched by Internet insurance companies, adhering to the consistent market play of Internet companies - identifying the pain points of market demand, and attracting young and middle-aged people who have insurance needs but are entangled in high premiums with low premiums and high insurance amounts.

Savings and participating insurance products have been sold for a long time, and consumers have considered whether they are cost-effective for pure consumer insurance products. Wang Xiaodong, who bought a "million medical insurance", told reporters that low premiums are the main reason for buying. "It's only a few hundred yuan a year, if you get sick and seek medical treatment, then you can get compensation, even if you are not sick, then this money is equivalent to the cost of a meal, which can be ignored.

He said. The high cost of medical treatment is a hot issue in the lives of residents. As consumers become more aware of insurance, the number of people buying commercial insurance is increasing. According to the statistics of the China Banking and Insurance Regulatory Commission, from 2007 to 2017, the average annual compound growth rate of health insurance was higher than that of life insurance and accident insurance.

According to the survey data of Zhongan Insurance, from 2015 to 2017, the proportion of the mid-end medical insurance market in the premium of the health insurance market increased from 2015 to 2017, which means that there is huge room for development and potential. Tan Tengyue, product director of Zhong'an Health Insurance Division, said that the mid-end medical insurance market is expected to reach 20 billion yuan in 2018 and will be further expanded to 80 billion yuan in 2020. This means that there is a huge potential for health insurance coverage.

So how do consumers choose? Generally speaking, critical illness insurance, medical insurance, accident insurance, and term life insurance can be described as the four major basic protections. Yao Yao believes that the key to the fact that people do not dare to see a doctor is that they do not have sufficient cash flow for medical treatment, and critical illness insurance is to provide compensation for specific diseases, and cannot exist as a rigid product.

From the perspective of the health insurance market, the just-in-demand product should be a medical insurance with direct payment or advance payment of medical expenses. As for the Internet celebrity "million medical insurance", it is necessary to lower expectations.

I have bought peace of mind medical insurance, the first month is 1 yuan, the second 400 yuan payment: the bills are no!

Peace of mind million medical insurance is really a scam, it is certainly a scam.

Millions of medical insurance online are all scams, why is there no department to manage, is the state issued them a license to deceive

I was deceived, today was automatically paid 58 yuan, I hope the relevant departments to manage, a person is deceived is small, thousands of deceived that is an astronomical number, the key is that my payment password has not been pressed.

It's a lie! I was inexplicably automatically deducted 198 yuan in the 2nd month, and it was originally 14 yuan per month, and there was no automatic deduction!

Anxin Million Medical is a big **, I was deducted from the premium for five consecutive months, 125 yuan per month.

Almost all of the cheap insurance on Douyin are pit people, and they can be searched on the official website, and those who do not meet the conditions cannot be insured, and the diseases listed in it are very complete, and basically only healthy young people are eligible, otherwise it will be a refusal to pay compensation.

Anxin Million Insurance Company, it's a lie, I was also deducted more than 5o yuan, I haven't confirmed it, it's a cheat! I hope that the masses will report him and rest assured that the insurance company.

Insurance is reliable because it is determined before the purchase of the insurance and the conditions under which it will be paid. If you don't pay later, you definitely don't meet the contract conditions!

Peace of mind million medical insurance is a **, what 2 yuan insurance, deduct your money without any bills, consult this company can not play**, can not send information, the terrible thing is what evidence the insured pays, I am jointly ready to recover the deduction.

It's a lie, I was deducted 107 yuan from my own work in the second month.

How can you get it back, it must be a lie, how can there be insurance that can't be refunded, and you will have to deduct money every month in the future