Is it necessary to buy Hong Zhong Life Acer Million Care Medical Insurance? Is it cheap?

A few days ago, Acer Life launched a new product-Hongchuang Million Care Medical Insurance. This product is affordable. A 30-year-old male only needs 127 yuan a year. It has a very good effect on the protection of malignant tumors, and the insurance coverage is sufficient, and the special needs can be extended. However, its other coverage is relatively general, the coverage content is not complete enough, and the overall cost performance is not high. It is not recommended to insure separately.

Next, let's talk about the guarantee of this new product, and whether it has the ability to win the top spot among millions of medical products!

First, the contents of Hongchuang Million Care Medical Insurance are revealed!

It is really difficult to collect some information about this new product. After studying the relevant regulations, the senior made a security map:

Knowing the protection map, many friends should be unable to judge whether this product is cost-effective. Let's directly analyze the advantages and disadvantages of this product!

1, advantages

(1) Guaranteed renewal for 3 years.

Generally speaking, the insurance period of millions of medical insurance is 1 year. If you don't guarantee renewal, you may not be able to renew your insurance because of changes in your physical condition or claims.

Hongchuang million care medical insurance can guarantee renewal for 3 years, and the conditions for renewal are not bad. When you take this insurance, you don't have to worry about medical insurance for the next three years ~

Compared with products that do not guarantee renewal, we are much more assured!

At present, there are many products with better updating conditions on the market. For example, Ping An has introduced a medical insurance that guarantees a 20-year renewal. Interested people can learn more by reading the following:

Ping an e life insurance long-term medical treatment has these defects!

(2) Enjoy the insured amount and increase the rights and interests.

Every time Hongchuang Million Care Medical Insurance goes through a renewal period, the insured amount will increase by 10% according to the initial insured amount of each medical insurance, and the maximum insured amount can reach 1.5 times of the initial insured amount.

If you buy insurance with a coverage of 4 million, you can increase the coverage by 400,000 after a guaranteed renewal period; In the case of continuous renewal, the beneficiary can get up to 6 million!

This method of getting higher insurance coverage without spending much money is very popular with everyone! And the insurance coverage will increase by 10% every time you renew your insurance. It's a great effort!

However, it should be noted that the proton heavy ion medical expenses for malignant tumors are not included, and the annual reimbursement limit remains at the previous level.

2. Deficiencies

(1) There is something fishy about the waiting period.

If the insured is in danger during the waiting period, the insurance company has the right to refuse compensation. Therefore, the shorter the waiting period, the faster the guarantee will be obtained, which will be more beneficial to everyone.

The waiting period of Hongchuang Million Care Medical Insurance is tricky, so the waiting period of general medical care can only be 30 days; If this responsibility is not selected, the waiting period will be 90 days!

If you don't carefully read the contents of this clause, you will buy compulsory liability, and you will suffer a big loss when you get out of danger!

You know, at present, in contrast to the market, the waiting period of many excellent medical insurance is only 30 days. In contrast, Hongchuang Million Care Medical Insurance is 60 days longer! So the probability of waiting for danger will greatly increase!

Therefore, during the waiting period, if you don't want to suffer, it is recommended to read the following:

The insurance company will not pay for the accident during the waiting period? If you don't understand, you will suffer a big loss!

(2) General medical insurance does not come with it.

Hongchuang Million Care Medical Insurance has only one compulsory responsibility, which is malignant tumor medical insurance. In other words, if you want to enjoy more protection, you can't be stingy with your own money.

However, most of the similar medical insurance on the market can provide general medical care. Malignant tumor is just one of them, and dozens or even hundreds of serious diseases can be guaranteed.

Compared with malignant tumors, we are more prone to common diseases such as colds and fever. For this basic security, Acer Million Care Medical Insurance did not provide it. This is really hard to accept, and I am very disappointed!

In terms of protection, Hongchuang Million Care Medical Insurance really lacks sincerity. Learning from other people's excellent products will help you make your debut:

Just got the latest list of millions of medical insurance!

Second, we must pay attention to these key points before buying millions of medical insurance!

There are really more and more millions of medical insurance products on the market. If you want to choose the right million medical insurance products, you must focus on these points!

1. Basic guarantee

Millions of medical insurance needs to reimburse hospitalization medical expenses, special outpatient expenses, outpatient surgery expenses, outpatient and emergency expenses before and after hospitalization, covering our common basic guarantee. Only by including these reimbursement responsibilities can it be called qualified million medical insurance.

2. Conditions for renewal of insurance

Generally speaking, millions of medical insurance provides one-year guarantee, and renewal is always a difficult problem.

If the purchased product is not guaranteed to be renewed, it needs to be re-examined every year. If the insured's physical condition changes or a claim has been made, the insurance cannot be continued.

So when buying insurance, try to buy millions of medical insurance products with good renewal conditions and high stability.

Medical insurance products that can guarantee renewal need everyone's attention. At present, millions of excellent medical insurance on the market can be guaranteed to be renewed for 20 years, and you can choose slowly.

3. Value-added services

Under normal circumstances, high-quality million medical insurance will be equipped with value-added services accordingly. Value-added services like this have great practical use and many benefits for medical treatment.

Proton heavy ion, medical expenses advance and green medical channel are the best value-added services. The more value-added services, the better for you, because the more value-added services, the more benefits consumers enjoy.

Generally speaking, the protection of this product in cancer is still relatively perfect, and other aspects need to be improved.

If a friend wants to buy millions of medical insurance, remember to shop around. You deserve a safer product ~

Write it at the end

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

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