How about PICC Health Armor Children's Long-term Million Medical Insurance and Micro Insurance? Is it worth buying?

Now, more and more parents begin to have a good awareness of providing insurance for their children. Senior sister is very pleased to see that most of the private messages in the background are about how to provide millions of medical insurance for children.

Today, Senior Sister helps you make an assessment, which is also the most popular critical illness insurance in private letters-ironclad Bao Xiao Children's Long-term Million Medical Insurance.

If you have anxious friends, you can collect them first and watch them later. Senior sister can guarantee that the articles are all dry goods:

Watch out! These tricks are hidden in the long-term million-dollar medical insurance for armored children. ..

1. What are the advantages and disadvantages of long-term millions of medical insurance for armored children?

As usual, if nothing else, put the picture immediately:

I don't know if you have a clear understanding of the product after reading this product map. Next, the school sister will deeply interpret it for the friends:

Advantages:

1. Friendly update conditions

It is no problem to renew the long-term million medical insurance for children until they are 17 years old.

What is the significance of guaranteeing renewal? Even if this product is taken off the shelf, it can be replaced with a new one. None of the guarantees stipulated in the insurance contract signed with the insurance company is invalid before the insurance expires.

2. Children's special disease protection

15 special diseases for children included in children's long-term medical insurance cover leukemia, Wright syndrome, severe Kawasaki disease and severe hand, foot and mouth disease.

This is equivalent to saying that it is insured to protect the baby. This sincerity is really great!

3. Outpatient and emergency treatment before and after hospitalization

At present, many millions of medical insurance on the market are set in this way, before and after hospitalization, 30 days later, 7 days later, or even 7 days before and 7 days later.

However, the long-term million-yuan children's medical insurance is really a small insurance. After the first 30 days, the medical care of the insured will be much simpler. This is because sometimes hospitals will face the problem of insufficient beds, but they can't have them if they want to.

If the insured suffers accidental injury or is hospitalized after the waiting period during the insurance period, the insurance company will only reimburse the reasonable and necessary medical expenses incurred in outpatient and emergency departments within 30 days before and after hospitalization.

4. Value-added services are intimate

Long-term million-dollar medical insurance for children in Bao Xiao includes online outpatient service, serious illness outpatient appointment, hospitalization assistance and domestic follow-up, advance payment for treatment of serious illness and children's special diseases, MDT multi-disciplinary consultation and other value-added services.

On the one hand, the problem of "difficulty in seeing a doctor" has been solved to a great extent, and the physical and mental health of the insured can be guaranteed more comprehensively and efficiently, so that a more perfect security system can serve the baby.

Is the more value-added services, the better? There are many unknown secrets in it. Click on the article below to share these little secrets.

Analysis of value-added services in medical insurance is not the more the better!

disadvantaged

1. Long waiting period

Millions of medical insurance generally only has a one-year guarantee period, and the information needs to be re-examined after one year of renewal, so the waiting period of many products is very short, only one month.

But the waiting period for real insurance is 90 days, which is a bit long.

If the baby has an insurance accident while waiting, the insurance company will not settle the claim and can only settle all the medical expenses by itself.

Second, the senior sister suggested

Generally speaking, the long-term million-dollar medical insurance for children with real armour and small insurance is worth recommending, and it is a product that you won't regret after buying.

There are many medical expenses for curing major diseases, which families with average economic conditions simply can't afford, while millions of medical insurance has millions of insurance coverage, which can reimburse many medical expenses for serious diseases.

Only at this point, senior sister thinks it is very necessary for you to buy millions of critical illness insurance.

However, if the friends want to choose carefully among the products, the senior sister has also compiled other excellent million medical insurance. Let's see:

Ten million medical insurance rankings are freshly released!

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!