How to buy long-term million medical insurance for children with PICC health armor and small insurance? What problems should we pay attention to?

Today, more and more families begin to configure insurance for their children. Sister Xue saw many private messages in the background and asked how to configure millions of medical insurance for her children.

So today, Senior Sister will bring you a medical insurance assessment, which is also the medical insurance that everyone wants to see most in the background-the ironclad long-term million-dollar medical insurance for children in Bao Xiao.

If you have anxious friends, you can collect this article first and then read it. Senior sister promised to have a lot of dry goods:

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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 wonder if you can understand this product drawing. Next, the senior will interpret it in depth:

Advantages:

1. Friendly update conditions

The ironclad Bao Xiao Children's Long-term Million Medical Insurance promises to be renewed until 17 years old.

Guarantee renewal, that is, the product is not affected by the suspension of product sales, and the guarantee clause in the insurance contract signed by the original insurance company is valid until the insurance expires.

Senior, this place needs to be explained. There are certain tricks to renew the insurance ~ Poke this article to find out:

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2. Children's special disease protection

15 kinds of children's special diseases included in children's long-term medical insurance cover leukemia, Wright's syndrome, severe Kawasaki disease and severe hand-foot-mouth disease, which is equivalent to giving the baby an extra insurance. This is really good!

3. Outpatient and emergency treatment before and after hospitalization

At present, most of the millions of medical insurance on the market are already at the limit. Before and after hospitalization, the emergency department lasts for 7 days, 30 days, and what's more, it lasts for 7 days after the first 7 days.

The long-term million-yuan children's medical insurance is mainly based on real insurance, which has reached the level of 30 days after the first 30 days, bringing a lot of convenience to the insured. After all, sometimes hospitals will face the problem of insufficient beds.

If the insured falls ill after the waiting period within the insurance period, or is hospitalized due to an accident, the insurance company can reimburse the reasonable and necessary medical expenses incurred for emergency only 30 days after the first 30 days.

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" is largely solved, and the physical and mental health of the insured can also be guaranteed, which will improve the baby's security system.

Is the more value-added services, the better? There are many unknown secrets buried here. Take a look at this article:

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disadvantaged

1. Long waiting period

The guarantee period of million medical insurance is generally only one year, and the data will be re-examined after one year, so the waiting period of most products is relatively short, only 30 days.

But the real insurance waiting period is 90 days, which is a bit long. If the babies have an insurance compensation event during the waiting period, the insurance company will not provide claims and can only settle all medical expenses by itself.

Second, the senior sister suggested

Generally speaking, Bao Xiao children's long-term million medical insurance will not lose money. This product is good in quality and low in price, which is highly recommended.

The medical expenses for diagnosis and treatment of major diseases are so high that ordinary families simply cannot afford them. However, the million-dollar medical insurance has a million-dollar coverage, which can basically reimburse most of the expenses for treating serious diseases.

But if friends want to shop around, there are other pretty good millions of medical insurance here. Let's take a look:

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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.

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