Take ping an e life insurance as an example. As of 2065438+July 23, 2007, according to the official data of Ping An Health Insurance as shown in the following figure, Ping An Health Insurance has been insured by 827,000 people.
Advantages of millions of medical insurance
Why is this kind of insurance so popular? There are several significant advantages.
Advantages: 1: The minimum premium is high.
Suppose a 32-year-old man, who has social security, has invested millions of medical insurance, such as Ping An E Life Insurance, and the annual premium is only 392 yuan.
The following is a company's critical illness insurance with a coverage of 400,000 yuan, which requires an annual premium of 17680 yuan. The price gap is more than 40 times.
Although these are two completely different products, they are mainly to prevent the risk of serious illness. The premium of Ping An E Life Insurance will be much lower, and the consumption threshold will be greatly reduced.
Trial calculation of ping an e life insurance premium
A trial calculation of critical illness insurance premium with a coverage of 400,000.
Advantage 2: Wide coverage and high reimbursement rate.
Now many insurances cover what you buy. For example, accident insurance can only reimburse medical expenses caused by accidents. The critical illness insurance is more stringent and can only pay for the diseases stipulated in the insurance contract. Occasionally I will encounter an embarrassing thing. I spent a lot of money on insurance, and something really happened. I don't even have the insurance.
Millions of medical insurance does not have this problem. As long as it is normal medical expenses, it is not limited to the social security catalogue (self-funded drugs and imported drugs), diseases and treatment methods, and it can be reimbursed by Ping An E Life. However, it should be noted that the medical expenses of cosmetic surgery, sexually transmitted diseases and other diseases caused by accidents and diseases cannot be reimbursed.
Advantage 3: Long-term insurance with illness is guaranteed.
A lot of medical insurance can't be insured after an illness occurs and the insurance company pays the claim. For example, one-year critical illness insurance, if paid, can no longer be insured in the second year, it will lose protection.
However, millions of medical insurance, similar to Ping An E Life Insurance, generally promises not to refuse the renewal or adjust the renewal premium of the insured solely because of the change of the insured's health status or historical claims. In other words, even if a serious illness occurs, you can continue to enjoy the protection as long as you renew the fee on time.
Advantage 4: Short waiting period.
The waiting period for long-term critical illness insurance is generally half a year (180 days). If a serious illness occurs within six months after insurance, the insurance company will not pay compensation. The waiting period of Ping An E Life Insurance is only 30 days. There is no waiting period for medical expenses caused by accidents after insurance. If it is a disease, you can enjoy protection after 30 days.
Advantage 5: Online insurance is convenient and fast.
High medical insurance generally requires a medical examination to insure, and it needs to be purchased through an insurance agent, not directly by itself.
Most of the millions of medical insurance such as Ping An E Life Insurance can be insured online. Very convenient and quick.
Disadvantages of millions of medical insurance
Millions of medical insurance has many advantages, and it is a very cost-effective medical insurance on the market at present. However, before buying, you need to understand the limitations of millions of medical insurance.
Disadvantages 1. The deductible is high.
Most of the deductible for millions of medical insurance is 1 10,000 yuan. What is the concept of 1 10,000 yuan deductible? Suppose a disease costs 60,000 yuan, with a total cost of 500,000 yuan, social security reimbursement of 65,438+10,000 yuan, and Ping An E life insurance can only be reimbursed of 390,000 yuan (1 10,000 deductible). Fortunately, most families can afford medical expenses within 1 000 yuan.
Disadvantage two. Reimbursement insurance
Critical illness insurance is generally paid in advance. Once diagnosed, you can get full compensation from the insurance company for the treatment of the disease.
Millions of medical insurance is reimbursement insurance, medical expenses need to be raised and paid by themselves first, and then reimbursed by insurance companies, and cannot be reimbursed repeatedly. It is meaningless to buy two million medical insurance at the same time, because if Ping An E Life Insurance is reimbursed, other companies will not reimburse it.
Disadvantage 3. The premium is not fixed.
Millions of medical insurance is a one-year insurance, and the premium will change with age. Insurance products may also be updated. Products that can be bought this year may not be bought next year. However, insurance companies generally promise that there will be new similar substitute products. Customers who switch from old products to new products have no waiting period and can take out insurance despite illness.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.