Is the medical insurance and Ruihua insurance promoted on the mobile phone reliable?

Reliable, this insurance can provide consumers with a total of 6 million medical insurance, and the disease protection is relatively strong. Moreover, its premium is not expensive, and the six-year guarantee renewal can provide consumers with relatively stable disease protection. It is a more reliable million medical insurance product.

Without professional consultants to guide online insurance, you will buy the wrong one if you are not careful. These misunderstandings must be vigilant → "Is online insurance reliable? Be wary of these misunderstandings! 》

First, the insurance principle.

1. Insurance age: 28 days after birth -60 years old, which is similar to most similar products on the market and can cover most people.

2. Warranty period: 1 year, with one-year payment and one-year warranty.

3. Warranty renewal time: 6 years, with unconditional renewal within the warranty renewal period.

4. Waiting period: 30 days, similar to most similar products on the market, and the waiting period is not long.

Second, the content of protection

1. General medical care: 2 million yuan, covering special outpatient service, outpatient surgery and emergency treatment 7 days before hospitalization and 30 days after hospitalization. Coverage is relatively wide, 1 10,000 is free of compensation, which can be accumulated in 6 years.

2. Serious illness medical treatment: 4 million yuan, 0 free of compensation, and also covers outpatient surgery, special outpatient service, emergency treatment and other expenses after 7 days before hospitalization.

3. Reimbursement ratio: Reimbursement is limited to the general departments of public hospitals of Grade II and above. After social security reimbursement, the remaining expenses after deducting the deductible will be reimbursed100%; If there is no social security reimbursement, 60% of the remaining expenses after deducting the deductible will be reimbursed.

Third, other guarantees.

1, proton heavy ion medical treatment: 1 ten thousand insured amount, 1, 000% reimbursement of cancer medical expenses caused by proton heavy ion medical treatment.

2. Premium Exemption: If the insured suffers from serious illness during the insurance period, the insurance company will exempt his subsequent premium, and the policy is still valid.

3. According to the premium, the 30-year-old male has social security and Ruihua Medical Insurance Plus, and the premium is 240 yuan, which is cheaper.

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