How to choose Million Medical Insurance? How to choose Million Dollar Medical Insurance

How to choose a million medical insurance:

1. Prefer products with guaranteed renewal

The general million medical insurance is paid for one year, and the second year may not be renewed due to the discontinuation of the product or physical health problems.

The advantage of the Million Dollar Medical Insurance is that you don't have to worry about the renewal of the second year during the guaranteed renewal period.

2. Deductible

Some people think that the lower the deductible, the better, but the corresponding premium will be more expensive.

If the same premium is available, the deductible can be decerially reduced.

3. Health notification

If you don't understand before applying for insurance, you must ask a professional planner, especially those who are sick and insured, you must be clear about the content of the health notice.

Otherwise, the insurance company will not settle the claim when the time comes, which will easily lead to claims disputes.

4. Value-added services

In addition to the basic protection content, the agreement of value-added services is also very important, such as proton heavy ion is one of the effective methods of ** tumor, if the product has the relevant protection of the agreement, of course, it is better!

How to choose Million Dollar Medical Insurance3?

How to choose a good million-dollar medical insurance policy.

Recently, the competition of various insurance products in the market has been particularly fierce, all kinds of new products have emerged in an endless stream, and millions of medical insurance are not far behind. Let's take a look at it.

After preliminary screening, the dad selected the following ten popular million medical insurance, which are guaranteed for 1 year, 6 years, 15 years, and 20 years, as shown in the following table

Without further ado, let's summarize the recommendation directly:

Pursue excellent long-term renewal conditions:Ping An e-Life Insurance long-term personal hospitalization medical care, Pacific Anxiang million medical insurance.

Ping An e-Life Insurance Long-term Medical Insurance is the industry's first million-dollar medical insurance that guarantees renewal for 20 years, breaking the record of renewal years, and if you apply for this product, the insured does not have to worry about renewal within 20 years.

Pacific Comfort Million Medical Insurance is also the industry's first million medical insurance product with 15-year coverage, and it also creates a precedent for medical insurance to cover minor illnesses, making the protection more comprehensive.

However, it should be noted that the premiums of these two products can be adjusted, which means that the interpretation of the final premium is in the hands of the insurance company, and the subsequent premiums may gradually increase.

In addition, because the coverage period is long, whether it is a renewal at maturity or a new product that is no longer sold, it needs to be re-examined. For more million medical insurance policies that are guaranteed to be renewed, you can click here: "What are the million medical insurance policies that are guaranteed to be renewed".

Pursue general medical treatment with 0 deductible:All people enjoy e-life.

Among the above ten products, Lexiang e-Life is the only product with 0 deductible for general medical treatment, which is why the premium of TA is higher than that of other products.

And this product is a one-year short-term product, renewal needs to be reviewed, the renewal conditions are relatively general, not very friendly to the insured.

The pursuit of comprehensive protection:Enjoy e-Life 2020

This product not only covers the basic 100 critical illnesses, but also includes 121 rare critical illnesses, providing more comprehensive protection.

If you want to renew your insurance with excellent conditions:Good Medical Insurance Long-term Medical Insurance 2020, Taikang Million Medical Insurance 2020

Both of these products are guaranteed to be renewed for 6 years, and the most important thing is that the renewal does not need to be reviewed at the end of the term, and the product is no longer required to be notified of the health of the company's new products, and the renewal conditions are relatively excellent and friendly to the insured.

Recently, the competition of various insurance products in the market has been particularly fierce, all kinds of new products have emerged in an endless stream, and millions of medical insurance are not far behind.

The deductible is the part that the insurance company will not pay, and the smaller the deductible, the more compensation you can get;

3. Reimbursement ratio: the higher the reimbursement ratio, the better, and the reimbursement ratio of high-quality million medical insurance on the market can reach 100%;

4. Renewal conditions: The more relaxed the renewal requirements, the better, among which the million medical insurance that guarantees renewal is more advantageous.

Medical insurance generally refers to basic round fuel medical insurance.

It is a social insurance system established to compensate workers for the economic losses caused by the risk of illness. Carry Zheng to establish medical insurance through the employer and individual contributions**.

After the insured person incurs medical expenses for medical treatment, the medical insurance institution shall give him certain economic compensation.

The establishment and implementation of the basic medical insurance system gathers the economic strength of the unit and the members of the society, coupled with the first funding, which can enable the sick members of the society to obtain the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from "becoming poor due to illness".