Highlights of this product evaluation:

1, several factors affecting the quality of millions of medical insurance

2. Comparative analysis of Taibaole Million Medical Insurance and Ping An E Life Insurance.

3, product comparison summary

First, several factors affecting the quality of millions of medical insurance

The general deductible of millions of medical insurance is 1 0,000, and the threshold for claims is relatively high. It is often useful for serious diseases, and the most important things are the following three points:

1, what is guaranteed; Daily hospitalization expenses, special outpatient expenses, outpatient and emergency expenses before and after hospitalization, and outpatient surgery expenses. See if medical insurance is fully covered.

2, what is not guaranteed; That is, under what circumstances, no compensation will be paid, such as illegal crimes and plastic surgery. , mainly depends on special circumstances.

3. Product update. If claims occur in the last year, will it affect the renewal of insurance and claims in the next year?

Second, the comparative analysis of Taibao enjoy billion medical insurance and Ping An E life insurance.

Although the forms and quotas of medical insurance companies are different, they are all above 1 10,000, mainly depending on the differences in details. Details are as follows:

As can be seen from the chart, there are still many similarities between Taibao Enjoy Million and Ping An E Life. For example, the maximum amount is 6 million yuan, and the maximum medical insurance is extended to 100 years old, but the two products are different in details:

Difference 1: The product renewal terms are different.

Ping an e life insurance, as long as it is not sold, will not be renewed in the second year because of claims or health changes. Details are as follows:

Taibao enjoys a million dollars and audits it every year. It is not only worried about the suspension of sales, but also worried that it will not be able to settle claims smoothly next year because of claims or health changes. Its terms stipulate that:

Difference 2: the product coverage is different.

Ping An E Life Insurance can report hospitalization expenses, special outpatient service, outpatient emergency service before and after hospitalization, and outpatient operation expenses for possible products, and the protection is very comprehensive.

However, Taibao enjoys millions, which can only cover hospitalization expenses and special outpatient services. Have a good idea of what you may encounter every day.

Outpatient emergency expenses and outpatient surgery will not be compensated.

Yes

Difference 3: The scope of product exemption is different.

Ping An E's life insurance medical terms require that only the accumulated expenses within 180 days are paid each year, and the expenses exceeding 180 days are not paid, and the acne treatment is not paid within the scope of exemption, which is a bit strange, as follows:

Taibao enjoys millions of compensation for occupational diseases, endemic diseases and infectious diseases. This range is a bit wide, and its provisions are as follows:

Third, the product comparison summary

Product comments: Ping An E life insurance is comprehensive, but there are certain requirements for exemption. As for the renewal of the warranty, like many company products, it will not be re-examined, but it may be difficult to renew the warranty for fear that the sale may be stopped in the future. Taibao enjoys millions, and accidents, diseases and major diseases are treated. The total amount is very high, but from the details, the protection is not very comprehensive, and there are special requirements for exemption. The renewal is very strict, and there is a certain gap with similar products in the market.

Insurance Photo Album: Analysis of Popular Million Medical Insurance (1 1)