I bought Ping An (whole life insurance-Universal Smart Life) (Ping An Hong Xin whole life insurance Dividend 2004), which is really deceptive insurance.

Insurance is not all-inclusive insurance, and I don't buy it myself. Don't say it impulsively if you don't understand the relevant insurance responsibilities, it will make people laugh. There are corresponding regulations on insurance payment, and there are many kinds of medical treatment. Hospitalization reimbursement has a maximum amount and a deductible. At the same time, drugs also have reimbursable and non-reimbursable categories. The purpose is to avoid moral hazard. Know more if you don't know the situation. Respondent: Yang Peizhi | Level 7 | 201-3-23 23: 23 | Reporting.

Let me guess: the content of your guarantee should be roughly:

Zhi Ying: The coverage covers life insurance: 1 0.2 million, and major diseases:110,000. Accidental injury: 30,000, accidental injury medical treatment: 1 10,000.

Hong Xin: 10000-20000, the coverage is: 25-55 years old, triple protection (death).

Additional: inpatient medical treatment A: 2 copies. How many days in hospital is unknown, or enjoy life for two days or guard life for two days.

What works for your surgical compensation is additional insurance: hospitalization part A. The compensation rate is 80%

Because: Your mother is very lucky. The cost of this operation is also within the scope of reasonable reimbursement.

The insurance contract clearly stipulates that within a reasonable reimbursement limit, the limit of two hospitalizations means that each reimbursement can be:

Outpatient service fee: 100 yuan, bed fee: 300 yuan. The medical expenses are 2600 yuan.

Your expense reimbursement is 54 10, which is within this limit.

This hospitalization did not meet the requirements of the major illness clause, so the major illness expense of 65438+ 10,000 yuan was not enjoyed this time. We can only talk about it later.

There is no death this time, so there is no death bonus of 120000+30000( 10 or 830000).

I wish your mother a speedy recovery. Please ask me again if there is anything unclear.

The insurance director of China Ping An Life Insurance Company of China Insurance Company says hello to you.