Writing the product guide article, I have been doing this work for three years, but you can find that, as I originally wrote this article, I found that no matter how the product changes, the guide part is very stable.
This shows that no matter what new varieties of "fish" there are, as long as you master the method of "fishing", you can choose the products that are suitable for you.
Of course, the raider part is not only to tell you how to buy, but more importantly, how to avoid the pit, not to buy rotten and not expensive.
It's 2022 and there are some minor updates.
How to buy critical illness insurance?
The answer I basically wrote in this article, the most detailed and most practical selection strategy on the whole network, with Product Recommendations for February 2022.
First, what is million medical insurance
Less than 1 yuan per day, up to 6 million can be reimbursed.
This brings us to the million medical insurance that everyone praises.
Million medical insurance is arguably the most practical insurance for families, and everyone should buy one.
Whether it is a serious illness or an accident, I have to go to the hospital,
In addition to social security reimbursement, in addition to the deductible of about 10,000 yuan, the remaining outpatient, emergency, hospitalization, surgery, nursing, medicine, various examination fees and other expenses, insurance companies can all reimburse.
Up to a few million, and the premium is only a few hundred yuan per year!
For a small amount of money, you can transfer the main medical risks,
Arrange a copy properly.
However, million medical insurance, as an internet celebrity product, is an insurance company that sells million medical insurance. The products on the market are uneven, how should we choose?
Second, select the four major pieces of millions of medical insurance
When choosing a million medical insurance, we must follow four principles:
1. The basic guarantee should be complete
2. The conditions for renewal should be good
3. Attention should be paid to value-added services
4. The sum insured and deductible should be pitted
Next, let's introduce these four principles one by one:
As a medical insurance, the medical expenses are reported.
Medical expenses can be simply divided into four parts:
Inpatient medical treatment, special outpatient clinic, outpatient surgery, outpatient emergency department before and after hospitalization
(Micro Medicare Clause)
But some products are not so honest.
For example, this product, it only reimburses hospitalization:
And the need to spend a lot of money such as chemotherapy, radiation therapy, outpatient emergency before and after hospitalization, it is not insured.
For example, special outpatient clinics, including outpatient kidney dialysis, outpatient malignant tumors, and outpatient anti-rejection therapy after organ transplantation,
These correspond to more serious diseases, and the cost will generally be very high.
But some chicken thieves' products will secretly lose a little less.
For example, a previous product only reimburses the cost of cancer chemotherapy and radiation therapy.
Like in "I am not a medicine god", the kind of targeted drugs of tens of thousands of pieces per month, this product is not reported.
Therefore, everyone should pay attention to buying millions of medical insurance, and cannot be confused in the basic protection.
Millions of medical insurance, the biggest uncertainty is:
I bought it this year, and I can't buy it next year.
For example, if I have a new problem in the physical examination this year, or I have already made a claim, can this million medical insurance still be renewed for me?
However, at present, there is no million medical insurance in the market that can be insured for life at one time.
The best product, but also to achieve a phased guarantee renewal,
In the current renewal conditions, it is recommended that:
20-year guaranteed renewal (adjustable price) > 6-year guaranteed renewal> there is no guaranteed renewal agreement
At present, the products with the best renewal conditions include good medical insurance long-term medical treatment (20-year version), medical care-free million medical insurance (20 years), micro-medical insurance long-term medical treatment (adjustable rates) and several other products, which can guarantee 20-year guaranteed renewal.
As long as you buy it, in these 20 years, whether the body has changed, or the product has been removed from the shelves, it will not affect the protection of these 20 years.
But there is one more thing to note,
These long-term medical insurances have a "common disease", retaining the right to adjust prices, and when they meet regulatory requirements, the product can adjust the rate, but stipulates that the upper limit of each adjustment is 30%.
Take Good Health Insurance Long-term Medical Care (20-year edition) as an example:
Judging only from the renewal conditions, the product that guarantees 20-year renewal is undoubtedly the best.
Sub-optimal, there is also a product that only guarantees 6-year renewal, such as good medical insurance long-term medical treatment,
The renewal conditions are slightly worse, but you can also buy with confidence.
All that's left is a simple 1-year product.
This kind of product does not guarantee renewal, so it is bought this year, and it may not be bought next year.
Therefore, it is best not to choose such products.
If you must buy, the worst is to choose the product that "as long as it does not stop selling and your health conditions change, you can also buy it again, and you will not increase the premium alone".
Therefore, there is also a type of product that everyone needs to pay attention to, do not step on the pit, such as the renewal conditions of this product, and the renewal should be re-reviewed.
Claims and physical condition will also affect the premium, once a claim has occurred, either need to increase the fee, or directly do not let buy.
When encountering such a product, it needs to be carefully considered.
Everyone knows that it is good to guarantee renewal, so the four words "guaranteed renewal" are often used as guns.
Some products obviously do not have the terms of guaranteed renewal, and they will also be created out of nothing by some salespeople.
For example, I once met an agent who said that the million medical insurance guarantee attached to his major illness insurance was renewed to 100 years old:
It is an ordinary one-year medical insurance, please, where is the guaranteed renewal written?
Now the value-added services of millions of medical insurance are also more and more, and everyone is dazzled.
But the prince would like to suggest:
Focus on practical value-added services,
For example, purchased drugs, medical green passes, proton heavy ion therapy, etc.
The green pass for medical treatment is very practical at present, when medical resources are tight;
Proton heavy ion surgery can greatly improve the survival rate of cancer patients.
Outsourced drug reimbursement needs to be taken out separately to say,
In the treatment of many diseases, it is inevitable to use purchased drugs, but purchased drugs are usually very expensive, and if you do not reimburse the cost of purchased drugs, you will definitely spend a lot of money.
There is a reimbursement of purchased drugs, you can solve the needs of the hospital without drugs, the need for outsourcing, as long as the doctor agrees, you can buy drugs from other formal channels, and also give reimbursement;
Such as targeted drugs, specific drugs, it is more difficult to buy in the hospital, usually need to take a prescription to buy.
And these drugs are very expensive (like Gleevec in "I Am Not a Medicine God"), and ordinary families can't afford it.
Reimbursement for purchased drugs is very important, and this responsibility is best to have.
The above are relatively practical responsibilities.
Other services of general practicality such as fee advances, genetic testing, legal fees, health incentives, etc.,
Yes is a good thing, if not, it is not so important.
Although many medical insurances claim to be 3 million and 6 million insured,
But in most cases, we simply don't need such a high sum insured, just look.
But one thing to be aware of, don't get caught up in the pit,
Some million medical insurance plans have a single limit, like this product:
On the surface, it seems that 500,000 can be reimbursed every year.
But in fact, the clause also stipulates that the daily bed fee and meal fee cannot exceed 1,000 yuan.
Every year, the treatment of cancer, or kidney dialysis, the maximum reimbursement is 100,000 yuan, and the excess part can only be paid by themselves.
There is also the issue of deductibles,
The deductible is the part that you need to bear yourself, and the insurance company will reimburse you if you exceed the deductible.
Based on 70% social security reimbursement,
The deductible of 10,000 means that the total medical expenses must be reimbursed at 40,000.
The deductible of 20,000 means that the total medical expenses will be reimbursed until 70,000.
So of course, the lower the deductible, the better.
At present, the deductible of the more mainstream million medical insurance is 10,000, and the deductible for serious illness/cancer is 0.
No matter how high it is, it is not good.
After clarifying a few principles for selecting millions of medical insurance, how about we look at the medical insurance on the market?
Third, the comparison of popular million medical insurance
Based on the above selection criteria, through the careful selection of products on the market, the following three are currently recommended:
As you can see, the three products I recommend are the products that are currently guaranteed to renew, guaranteed to renew for 20 years, and the premiums of the three products are not much different.
1. Good medical insurance long-term medical care (20-year version)
Although there are already several long-term medical insurance products, good medical insurance long-term medical treatment (20-year version) is undoubtedly one of the better protection at this stage.
General medical reimbursement up to 4 million, deductible 10,000;
The maximum reimbursement for 100 serious illnesses is 4 million, and the deductible is also 10,000.
Usually millions of medical insurance serious illness is 0 deductible, which is a small defect in the product, but the next two products to be introduced have this common disease.
Its value-added service is excellent,
Proton heavy ion therapy, 100% reimbursement, 4 million reimbursement amount;
Outsourced drug reimbursement can be reimbursed 90%, up to a maximum of 1 million reimbursement;
There is also a severe illness allowance, which is given 10,000 yuan for confirmed diagnosis;
Optional overseas cancer treatment services with 70% reimbursement;
In addition, services such as green pass for serious diseases and medical advance payment are also given away, which are some highly practical value-added services, which are very good.
The current premium is also very cheap,
5 years old 199 yuan, 10 years old 196 yuan, 30 years old male 259 yuan, female 286 yuan.
But long-term medical insurance retains the right to adjust the price, which should be known.
The disadvantage of good health insurance (20 years) is that the pre-existing condition clause is more stringent, and if the doctor has already diagnosed the disease, it needs to be actively informed.
The biggest highlight of Good Medical Insurance (20-year version) is its renewal conditions, which have a 20-year guaranteed renewal period.
However, after the expiration of the 20-year renewal period, if you still want to continue to renew, you need to go through the approval of the insurance company to renew the policy.
It's guaranteed to be renewed for 20 years, which is great.
On the whole, good medical insurance (20 years version) is undoubtedly a very good product, and it is one of the most worthwhile millions of medical insurances at present.
2. Medical care for millions of medical insurance
The highlight of this product underwritten by Pacific Health is the guaranteed renewal for 20 years, in addition, the premium and protection are very good at this stage.
General medical reimbursement up to 2 million, deductible of 10,000;
Critical illness is reimbursed up to $4 million and deductibles of $10,000.
If family members buy together, the deductible can be shared, which is friendlier.
There is also a severe illness allowance, which pays 10,000 yuan.
The value-added services that medical carefree enjoy are also very complete,
There are also medical green passes and medical advances.
Its purchased drug reimbursement is optional if added:
100% reimbursement outside of medical insurance, and only 60% reimbursement if there is no social security reimbursement within medical insurance.
In terms of renewal, it is also guaranteed to renew for 20 years, and no matter what happens in these 20 years, it will not affect the renewal.
Similarly, after the expiration of the 20-year renewal period, if you still want to renew the policy, you need to go through the approval of the insurance company to renew the policy.
Premiums are also cheap:
0 years old to buy 440 yuan, 30 years old to buy as long as 247 yuan.
3. Ping An e-Life Insurance Long-term Medical Care (Rate Adjustable)
The biggest advantage of Ping An e-Life Insurance long-term medical treatment is the 20-year guaranteed renewal, which is also one of the best products with the best renewal conditions at present.
In terms of safeguard liability:
The basic responsibility of long-term medical care of micro-medical insurance is still good, the guarantee is complete, and the amount of insurance is high.
Ordinary inpatient medical treatment can be reimbursed up to 2 million yuan;
120 specific serious illness medical reimbursement up to 4 million;
However, a limit of 8 million during the guaranteed renewal period has been added.
This means that if the reimbursement amount exceeds 8 million during the 20-year guaranteed renewal period, the policy cannot be renewed.
Fortunately, 8 million in 20 years for us, no matter how you see a doctor, it is basically enough, and it has almost no big impact.
Its disadvantage is also that whether it is a common disease or a major disease, it is a deductible of 10,000.
Value-added services:
It is also good to seek medical treatment and project management, which improve the service experience in the actual medical treatment process.
More practical is proton heavy ion therapy, but need to add money to add,
Up to 1 million reimbursement, 0 deductible, 100% reimbursement.
If you buy medicine by accident, you can also take the initiative to attach,
Up to 2 million drug expenses are reimbursed, 0 deductibles, 100% reimbursement.
In terms of renewal conditions:
The biggest feature of e-life insurance long-term medical treatment is the 20-year guaranteed renewal.
But it's not that perfect, either.
After the expiration of the 20-year renewal period, if you still want to continue to renew, you need to go through the approval of the insurance company to renew the policy.
But after all, there are also 20 years, who dares to say that it is like good medical insurance long-term medical treatment for 10 years, 15 years off the shelves?
Therefore, the 20-year guaranteed renewal even if it needs to be reviewed after that, it is actually quite good.
The premium is also not expensive:
0 years old to buy, the premium is 540,
30 years old to buy, male premium 294, female premium 282,
Because it is a long-term insurance, the insurance company also retains the right to adjust the price, but the price increase adjustment time, frequency, increase and trigger conditions are strictly required by supervision:
On the whole, Ping An e-Life Insurance long-term medical treatment has a certain competitiveness.
Wanton Prince:
The above three products,
If you care about renewal, then these are good,
Both are guaranteed to renew the policy for 20 years, and all retain the right to adjust the price.
Especially for many middle-aged and elderly people, the body changes greatly.
If the body is good enough to renew the policy, the priority is given to the good renewal conditions.
If you care about protection, you can give priority to good medical insurance long-term medical treatment and medical care-free, compared with e-life insurance long-term medical treatment, value-added services will be slightly better.
Write at the end: Follow [Wanton Rich man], click on the avatar, and receive the following free benefits in the private message in the upper right corner
1. Want to configure the most appropriate insurance for the family, you can click on my avatar, private message I "configure", or the following message, I will use my years of experience to help you provide some recommendations worth referencing.
2. If you want to diagnose whether your insurance policy is expensive or pitted? Or there are difficult issues such as underwriting and claims, you can also send me a private message to "insurance policy", I will know that everything is endless.