Million medical insurance

Did everyone have a good year? Do you like your meal?

I heard that I gained three pounds during the holiday. Is it true?/You don't say. /You don't say.

It doesn't matter.

Today, we specially prepared a big manuscript to help you digest food.

0 to 80 years old worth buying 9 million medical insurance, one-time inventory is clear.

Come and see which is your love.

As usual, let's sort out the choice ideas for everyone first.

We are all flesh and blood, and it's a little cold and uncomfortable to blow a wind.

If you are in poor health, go to the ward every once in a while.

I am in good health, and I always get sick several times a year.

At this time, a million-dollar medical insurance is very practical to help you solve the high cost of hospitalization.

Last year, we helped thousands of users settle their claims.

From high fever pneumonia to advanced cancer, the cost ranges from thousands to hundreds of thousands.

One person found that there are five demand points for buying millions of medical insurance.

The first demand: the guarantee should be sufficient.

Generally, after we are admitted to the hospital, most of us have to go through three sets of tests: blood drawing, B-ultrasound and electrocardiogram.

If hospitalization is required, bed fee, meal fee, medical fee and medicine fee will be added to the expenses.

If the condition is serious, such as cancer, the cost of surgery and immunotherapy should be considered.

Every item is no small expense, and it is our hard-earned money.

Therefore, an excellent medical insurance needs to cover all these guarantees in order to solve our worries.

What are the specific guarantees? I made a list for you.

Hospitalization, special needs outpatient service, outpatient surgery, and outpatient and emergency services before and after hospitalization are not lacking.

The second requirement: the insured amount must be sufficient.

Let's imagine a situation.

Do you feel a little scared when you are lying in a hospital bed and watching the intravenous drip?

Is the balance in my bank card enough?

Is the amount of millions of medical insurance I bought enough?

Will 3354 have no money?

Just relax。

Most millions of medical insurance covers at least two or three million, and there will be no problem in reimbursement.

Afraid that individual products are not kind, they secretly made a single restriction.

I won't name the specific products. Here only teach you how to distinguish these products.

Come, look at the picture below.

This product claims to be reimbursed one million a year, but there are restrictions in the terms.

The maximum reimbursement of bed fee for one day is 1 10,000 yuan, and the maximum reimbursement for renal dialysis for one year is 1 10,000 yuan.

Cancer chemotherapy, radiotherapy, targeted therapy, such an expensive project, can only be reported as 200,000 a year.

Are there really enough places to see a doctor?

I hope everyone will keep their eyes open and try to stay away from limited products.

If you don't understand, ask me

Third, the renewal should be stable.

We buy millions of medical insurance, the biggest entanglement lies in:

I bought it this year. Can I buy it next year?

If cancer is found after the first year of purchase, can the insurance be renewed in the second year after the claim is made?

Before today, if someone told you that my family's million-dollar medical insurance guaranteed life-long renewal.

Then you must stay away from him!

At present, the CIRC has not approved any life-long renewal of medical insurance of one million yuan.

There are only two kinds of cancer insurance.

One is the good medical insurance life-long cancer prevention insurance on Alipay, and the other is the safe life-long cancer prevention insurance.

However, they can only reimburse the medical expenses caused by cancer. If you are hospitalized with gastritis, cardiovascular and cerebrovascular diseases, you can't afford to pay.

But don't worry, the supervisor has sent a notice:

In the future, all short-term medical insurance within one year cannot contain the words "automatic renewal", "promised renewal" and "life-long restriction".

After May 1, millions of unqualified medical insurance will be cleared.

Don't worry about being cheated.

Back to the topic, let's talk about what kind of renewal conditions are good.

At present, there are two high-quality renewal conditions on the market.

The best condition is to ensure regular updates.

During the warranty period, whether you get sick, settle claims or stop selling products, it will not affect your renewal.

The strongest here is Ping An's electronic health insurance. Long-term medical care, 20-year renewal.

Secondly, Fosun will jointly surpass Insurance 2020 to guarantee medical insurance.

Friends under the age of 70 can consider these two products with relatively guaranteed renewal.

After the age of 70, there are fewer products to choose from, and the products with excellent renewal conditions are even rarer.

The above three items are the three most important points of millions of medical insurance. Let's look at the other two items.

Fourth, value-added services should be excellent.

This one has the most patterns and presbyopia is the easiest.

Some products will be added to special needs wards, and some will be added to Japan for medical treatment;

For some losses, a long-term accident insurance or small insurance will be attached, thus raising the price.

But in fact, the most important things here are mainly out-of-hospital targeted drugs and hospitalization advance payment.

How important are targeted drugs outside the hospital? I wrote an article before:

After buying millions of medical insurance, cancer still can't be reimbursed!

Cancer is the most common disease in China, and it is easy to recur.

Many patients with advanced cancer are mainly treated by taking targeted drugs.

But it is expensive and scarce, and many hospitals in third-and fourth-tier cities may not be able to get it. Patients can only buy medicine from the hospital.

However, most targeted drugs purchased from outside the hospital are not reimbursed.

If the million-dollar medical insurance you buy has the responsibility of "out-of-hospital targeted drugs", ensuring that you have drugs to eat will also help you transfer high medical expenses.

See the hospital salary.

Medical insurance is reimbursement type.

The patient has to do it himself first.

Pay the medical expenses, and then take all kinds of bills to the insurance company for reimbursement after hospitalization.

Many people returned to poverty due to illness and returned to before liberation.

There are still many people, even if they have money, they may not be able to take it out right away.

For myself, most of my money is in funds, annuities and bank accounts. If I withdraw in a hurry, I will lose money.

If you borrow from others, you owe them a favor; Looking for a bank loan has high interest.

Therefore, the function of hospitalization advance payment is still very practical.

Fifth, there are concessions for deductibles.

Most million medical insurance deductibles per year 1 10,000.

That is to say, after medical insurance reimbursement, individuals have to pay 1000 yuan at their own expense, and the excess can be reimbursed.

But excellent products are specially designed for this purpose.

The specific design will be discussed in the product analysis.

Next, let's go straight to the best part.

Go to the product!

Divided into four age groups: 0-60 years old, 60-65 years old, 65-70 years old, 70- 120 years old, anxious friends can jump directly to the corresponding age groups and check the product analysis.

0-60 years old choose which million medical insurance?

Children and adults can choose more products, so we only list the top products in this column.

0 1.

As the pioneer of one million yuan medical insurance, it is really applauded and popular.

Besides the product itself, the value-added service is also very good.

We have considered everyone's troubles before, after and during hospitalization.

★ Before going to the hospital, if you want to ask an expert and make an appointment with a famous doctor, you can apply for medical services.

★ If you can't get the sky-high medical expenses at one time during the treatment, you can apply for an insurance company to pay for you, and then submit a document afterwards.

★ If you are worried about no income, you can add a critical illness insurance premium and a critical illness hospitalization allowance.

If 100 major diseases are diagnosed, 10000 yuan will be given.

During hospitalization, you can also give an allowance of 100 yuan per day for up to 180 days.

★ If you have cancer and want to go to Japan or overseas for treatment, you can also choose "Japanese medical treatment" or "overseas medical treatment".

But the reimbursement rate is only 70%.

★ After the operation, you can also ask a professional nurse to help you with home care.

From before to after my illness, I think about everything and what you think.

Moreover, in terms of deductibles, special care is given to family insurance users.

Several people in the whole family buy it together. As long as they add up, the out-of-pocket medical expenses exceed 1 0,000, which can be reimbursed.

Due to the large number of insured persons, there are also many claims cases for this product:

Claim record 27-year-old cancer sister, millions of medical insurance claims for the fourth time! -No.147 of 2020

Buy millions of medical insurance, you have to take care of these details!

Generally, after submitting the information, you will receive the claims from Zhongan Insurance within 15 days.

The claim settlement experience is still very good.

02. Fosun United Transcendence Insurance

This product is my favorite to recommend to you at present.

Although the admission was late, the security guard was full of sincerity.

First, guarantee a six-year renewal.

Every six years is a warranty period.

Moreover, after the expiration of the six-year renewal period, the renewal will not be refused because of health status and historical claims.

In terms of deductible, it also gave everyone a surprise.

If you are healthy and don't get sick in the first year, the deductible in the second year can be reduced by 1000.

The minimum can be reduced to 5000 yuan.

But what moved me most was here ↓

It directly writes proton heavy ions and out-of-hospital specific drugs for malignant tumors into the main insurance clauses.

Also put in the main insurance contract, including two responsibility.

One is suffering from novel coronavirus, infectious atypical pneumonia and other diseases, reaching the prescribed standards, giving you 1 10,000 yuan.

Today, when the epidemic has not completely subsided, it is very reassuring.

The other is a three-in-one allowance for children.

1, children's special disease allowance

If a child suffers from one of the specified 18 special diseases of children during the protection period, the direct compensation shall be 10000 yuan;

2. Accidental hospitalization allowance

Children are lively and playful. If they are hit and hospitalized, they can get 200 yuan allowance every day for up to 30 days.

3, vaccination accident hospitalization allowance

When a child is vaccinated, if he feels unwell, the doctor must be hospitalized, and he will also receive 200 yuan allowance every day for up to 30 days.

These three allowances must be chosen together.

However, the cost of selection is not expensive, just one or twenty dollars.

Many parents will attach this responsibility to their children when they buy it.

In addition, beyond insurance can also expand the special needs ward.

The special ward that enjoys E students is only for specific diseases, and beyond insurance is not limited to diseases.

But the price will be higher.

The price of the standard version is very common, which is very low in the whole market.

Whether you want the special edition or the standard edition, everyone has to make a choice within their own economic scope.

03. Good medical insurance and long-term medical insurance

Like beyond the warranty, it is a six-year warranty renewal.

Good medical insurance. The deductible of long-term medical insurance has its unique advantages.

This is a six-year deductible.

As long as the insured exceeds 1000 at his own expense within 6 years, the excess can be reimbursed, which also lowers the threshold for claims in disguise.

Even better, a good medical insurance clause clearly stipulates:

If one day good medical insurance stops selling, we can avoid waiting period and health notification, and the insured can protect other health products.

All the guarantees are top-notch, and it is worthy of being Alipay's signature product.

However, before taking out insurance, you must read the health instructions carefully.

There is no special after-sales department for good medical insurance at present, and the answers of customer service staff always refresh my three views.

It is difficult to find someone to help you solve the problem without knowing whether it meets the health notice or whether the responsibility of a certain clause is unclear.

If you buy it casually, it may lead to trouble when making claims.

Therefore, good medical insurance is more suitable for friends who have a certain understanding of insurance and can complete insurance from insurance to claims.

Try to show it to everyone. Don't wait until you are out of danger to find that you don't meet the requirements. This is a bad thing.

04. Ping An E life long-term medical insurance (adjustable rate)

To be honest, this product is not perfect.

Targeted drugs outside the hospital cannot be reimbursed, and the price is not the cheapest.

Being on the list is entirely due to the excellent renewal conditions and the brand blessing of Ping An Insurance.

Guaranteed to renew the warranty for 20 years in one breath, so that you don't have to worry about stopping selling the product after 20 years.

It is a good choice for friends under 55 who are particularly concerned about the renewal conditions.

In addition, its health information is also very loose.

Mild pulmonary nodules, hepatitis B, small sanyang and some mental diseases will be rejected by the vast majority of millions of medical insurance, but they can be excluded.

This kind of friends can focus on.

For specific product analysis, please refer to this article:

Zoom in! Millions of medical insurance that can be renewed for 20 years is online!

What million medical insurance should I buy at the age of 60-70?

At this stage, the product may not be so perfect, and the price has gone up, but it is still within the controllable range.

Everyone is at home during the Spring Festival, and they confirm the health notification with their parents.

Here we are divided into 6 1-65 years old and 66-70 years old.

0 1. fosun joint premium insurance-the best choice for the elderly under 65.

Its Excellence is reflected in its meticulous care for the elderly.

Backed by Fosun Group, the medical service industry chain is complete, so its value-added services are as high as 16.

For example, the elderly have a headache and brain fever. If they want to invite experts and make an appointment with famous doctors, they can apply for medical services.

During the treatment, if you can't get so many medical expenses at once, you can ask the insurance company to pay first, without selling iron in the pot.

After the operation, professional nurses can also come to the door for guidance.

From before to after illness, postoperative care has been taken care of for you.

Deductibles are also very dynamic.

There are 1000 and 5000 yuan to choose from.

The 5000 yuan version greatly lowered the threshold, but the cost was also nearly 60% higher.

Renewal is also more secure.

Will not refuse to renew the insurance because of the insurer's health status or claims, and will be exempted from health notification and waiting period when renewing the insurance.

Its extensive health information can make some patients breathe a sigh of relief.

For example, lipoma, hemangioma and benign thyroid nodules/breast nodules diagnosed by surgery can be directly insured without notice.

If the budget is tight, or there are some health abnormalities, excellent insurance is definitely your dish.

If you pursue a cheaper price, you can consider medical insurance hospitalization.

Good medical insurance. There is no good medical insurance for hospitalization because there is no 6-year renewal guarantee. Long-term medical insurance is great.

But the guarantee of this product itself is still very good.

In terms of value-added services and deductibles, although there is no superiority, there are some targeted drugs outside the hospital and so on.

This product is in the age range of 6 1 to 65, although the premium is not as cheap as the preferential price.

However, in the subsequent insurance stage, the premium is still relatively cheap and has advantages.

Disadvantages are the same as good medical insurance and long-term medical insurance. Due to the lack of professional guidance, health notification and follow-up claims need to be handled by themselves.

If you know something about insurance, this product is also very good.

02. Enjoy e-Parents Edition (2020 upgraded edition)-the best choice for 66-70 years old.

As a star product held by Zhong Anli, its value-added service has been among the best in the market.

Many people are running.

If you have cancer, Zhongan will help arrange a second expert consultation.

If you need to take targeted drugs, you can enjoy free genetic testing and arrange direct payment and distribution for pharmacies in the network.

It is definitely a sweet little cotton-padded jacket for older patients.

The most interesting thing is its deductible design.

There are 10 thousand and 20 thousand options.

If you choose 20 thousand, the premium will be cheaper, but the threshold will be twice as high.

Fortunately, you can enjoy the family deductible.

Insured parents can be reimbursed as long as the total amount of their own expenses exceeds the deductible.

If two or more family members are deployed together in the first year, this service is free and will be sent to you for free.

The disadvantage is that the price of 6 1 to 65 years old is a little more expensive.

Therefore, it is the best choice for people over 65 years old, but if you are 6 1 to 65 years old and value product stability and service experience, you can also consider this product.

After all, when you are old, the probability of getting sick and getting out of danger is much higher, and insurance companies should also properly control risks.

However, its overall cost performance and gold content are still extremely high.

What millions of medical insurance should I buy at the age of 70-80?

Once you pass 70, you can buy millions of medical insurance.

But fortunately, I didn't live up to my life, so I chose two models for everyone to buy.

Huatai medical insurance for middle-aged and elderly people-only recommended for people over 70 years old.

I was a little relaxed when I saw it.

Because its insurance age is particularly wide, people under 80 can buy it.

However, the protection is slightly limited.

Unlike other millions of medical insurance, it is not limited to various diseases, but only covers 50 serious diseases.

If you are healthy, you also have a chance to upgrade your safety.

Is to make an appointment for their free physical examination, and if the result is the best, they can get 2 million general medical insurance.

But people over 70 have more or less minor ailments and pains.

I suggest you prepare yourself mentally before you go to the physical examination.

In addition, it has two serious injuries:

The first one is that you must apply for renewal within 15 days after the expiration, and the insurance company agrees and issues it.

In addition, when reapplying, the waiting period and health notice must be repeated.

However, there are not many products to choose from at this age, and friends in need can still buy them for their parents.

Second, its deductible is 20,000, and the threshold is a bit high.

If you pursue a lower deductible, you can consider China Fuxiang E-student.

But the price will be above 1000 yuan.

Moreover, the problems existing in Huatai's medical insurance for middle-aged and elderly people, such as the need for physical examination before obtaining general medical insurance and the need for review for renewal, also exist in China Fuxiang E-student.

In addition, China Fuxiang E students do not guarantee outpatient surgery and emergency before and after hospitalization.

So in general, it is more appropriate for middle-aged and elderly people to consider Huatai medical insurance.

I accidentally wrote too much again.

I want to clean every product thoroughly every time so that you don't step on the pit.

But there are thousands of people, and everyone's health status and demand budget are different.

If you want to configure products, please leave your age and health status, and we will analyze them one by one.

On the last day of the Spring Festival holiday, I hugged my family and prepared to start a new journey.

Related Q&A: How to reimburse millions of medical insurance has four steps: reporting a case, submitting materials, examining and approving the insurance company, and receiving claims. 1. Report: Call the insurance company or report to the insurance company through other channels. 2. Submission materials: Prepare the reimbursement materials to be submitted to the insurance company, including a copy of the patient's ID card, expense details, receipt of hospitalization expenses and other materials required by the insurance company. 3. Insurance company approval: the insurance company verifies the authenticity of the investigation materials and decides whether to reimburse the expenses. 4. Receiving claims: After the insurance company agrees to make claims, it will transfer the claims to the beneficiaries.