Alipay, good medical insurance, long-term medical care, has anyone ever made a claim?

Now with the strengthening of insurance awareness, most of my friends have begun to have insurance protection awareness.

And we buy insurance only in the hope that it will transfer our risks, and the key point is to get compensation for accidents.

So, is the good medical insurance sold by Alipay useful now? Is it worth buying?

Today, dad will use a real case to analyze and see what good medical insurance does ~

A good real case of medical insurance claims

Second, are good medical insurance products worth buying?

Third, dad's summary.

A good real case of medical insurance claims

This is a case in which a real dad helps a client get long-term medical benefits for good medical insurance.

Case overview:

Good medical insurance, long-term medical insurance

Insurance time: June 65438+1October 65438+July 2020.

Escape time: May 28th, 2020.

Date of filing: May 30, 2020

Receiving time: July 5, 2020

Reason for claim: hospitalization due to lumbar spondylosis.

Premium paid: 856 yuan

Claim amount yuan

On May 5, 2020 15, Miss Tang's father was admitted to the hospital for lumbar spondylosis, operated five days later, and was discharged on May 28.

During the period, the medical expenses were: hospitalization 14 days, and * * * cost RMB.

Among them, the social security reimbursement is RMB, and the rest is paid by Ms. Tang.

Nanbabao

At this time, Miss Tang remembered the good medical insurance and long-term medical insurance she bought for her father, and she could apply for a report to get a claim.

So Miss Tang found her father to help with the medical insurance application.

Dad and Miss Tang and Miss Tang's dad checked the health notification questionnaire and past medical history of good medical insurance and long-term medical treatment.

Make sure that Miss Tang's father meets the conditions of truthful disclosure and be underwritten by the standard organization.

Dad instructed Miss Tang to submit relevant materials (discharge summary, expense list, invoice, etc.). ) Follow the claim process of Ant Insurance online.

On May 30th, Miss Tang submitted an accident report on the ant insurance platform;

Nanbabao

During the claim settlement, in order to make the claim settlement smoother, my father explained some precautions to Miss Tang.

For example, don't refuse to answer the phone of the insurance company, describe the case truthfully and answer any questions.

Many things happen. On July 3, the insurance company received Miss Tang's claim information, informing her that it had been approved.

On July 5, good medical insurance long-term medical insurance claims were successfully received.

Nanbabao

Although Miss Tang's father's medical expenses were not fully reimbursed, he also shared most of the pressure.

And it takes about a month to apply for a claim, and the claim will come down, which is still very valuable!

This real case perfectly achieved "small and broad", trying to transfer their own risks with insurance.

To sum up, good medical insurance is still useful!

Second, are good medical insurance products worth buying?

So, are the products on sale in good medical insurance series worth buying? Continue to look down with dad ~

Good medical insurance

You may still be confused about good medical insurance products, one of the reasons is that "looks" are too similar.

For example, good medical insurance and long-term medical care (20-year version), good medical insurance and long-term medical care.

So, what are the direct and specific differences between them? Let's analyze it ~

1, good medical insurance, lifelong cancer prevention medical insurance

Anti-cancer medical insurance only provides cancer protection, and the insurance conditions are relatively loose, which is friendly to the three high people.

If a friend in poor health can't pass the health notice of millions of medical insurance, you can consider anti-cancer medical insurance.

Good medical insurance Life-long anti-cancer medical insurance The coverage of anti-cancer medical insurance is sufficient, the proportion of proton heavy ions is high, and the conditions for renewal are relaxed.

2. Good long-term medical insurance and good long-term medical insurance (20-year version)

Both products are millions of medical insurance, and both of them are guaranteed to be renewed. The obvious difference is that the renewal time is different.

The advantages of good medical insurance and long-term medical care are short waiting period, low threshold for reimbursement for critical illness and high insurance coverage for overseas treatment of cancer (optional responsibility).

The advantage of good medical insurance and long-term medical care (20-year version) lies in ensuring a longer renewal time and more adequate protection for ordinary medical care and proton heavy ion medical care.

So how do you distinguish between these two products?

It's actually quite simple. We just need to remember the renewal time they promised. Good medical insurance for long-term medical treatment for 6 years, good medical insurance for long-term medical treatment (20-year version) for 20 years.

3. Good medical insurance and hospitalization

Good medical insurance hospitalization is a kind of hospitalization insurance. Unlike the above two million medical insurance, there is no guarantee of renewal.

Good medical insurance, hospitalization, general medical insurance coverage of 3 million, and critical illness coverage of 6 million are still very strong.

Moreover, the value-added services of good medical insurance hospitalization are rich, including purchasing drugs, prepaid expenses and green services.

4, do a good job in medical insurance outpatient medical insurance

Good medical insurance outpatient medical insurance 100 yuan exemption threshold is low, and Internet medicine fees can be reimbursed.

Insurance is loose, and there are only two health notices, asking about hospitalization within half a year and past serious diseases, such as cancer and stroke.

5. Health and Welfare critical illness insurance (guaranteed for 20/30 years)

There are many options for the duration of health and welfare critical illness insurance. You can choose to pay the premium or the insured amount for death protection, but the proportion of critical illness compensation for this product is average.

Want to know more cost-effective critical illness insurance products, you can take a look at dad's evaluation article:

Third, dad's summary.

Although we use Alipay more often in our daily life, when it comes to insurance, we will have doubts and worry about whether we can get compensation after an insurance accident.

In fact, what dad wants to say is, is it reliable to buy insurance on Alipay?