China Merchants Cigna has been carrying out high-end medical insurance business for a long time, with a very strong self-built medical network and rich service experience, and it is a long-established high-end medical service provider in the mainland market, with a lot of customers in the early stage, and the brand and service experience are very good!
From January 1, 2024 to Pro, in order to maintain the stability of the product, the product protection responsibility has been upgraded, and the premium has increased by about 8%.
Outstanding features of Enjoy Life Pro:
(1) Children aged 10 and above can be insured separately, which greatly saves premiums
(2) The outpatient quota is very sufficient, even the Asian plan has 80,000 outpatient quotas, and the global plan has even reached the entire plan 8 million quota, so parents no longer have to worry about the problem of outpatient overcapacity
(3) It is more suitable for friends who like traditional Chinese medicine, and it is also very friendly in terms of the amount and frequency of traditional Chinese medicine
(4) There are vaccines, physical examinations and dental benefits that are given away free every year, with 10,000 per year for the global plan and 2,000 per year for other plans
(5) Including congenital disease protection, 125,000 quota for mainland and Asian plans, and 250,000 quota for global and global except US plans
(6) Shanghai Hongfeng International Hospital is not a specific expensive hospital, and it is more suitable for children aged 10 and above to purchase it separately
(1) Enjoy Life Pro insurance rules
(1) Age: 30 days old - 65 years old
Children aged 10 and above can be insured separately
Doctors and nurses in professional positions are not eligible for insurance
Pregnant women can apply for insurance, and they need to provide a medical examination report during pregnancy and childbirth
A medical examination is required for adults aged 55 years and older, or for those aged 40 and older with a BMI of ≥33
(2) Family Insurance:
You can insure yourself, your spouse, your children, your parents, grandparents, and grandchildren. Family members are on the same plan.
(3) Waiting period
There is no waiting period for outpatient and inpatient treatment, and a 180-day waiting period for dentistry.
(4) Effective Date
0:00 on the next day after the date of approval of underwriting and the date of first premium receipt.
(5) New order rate discount
2 or more Insured Persons with at least one Adult Insured Person, 5% discount. There is a 2% discount for social security.
(6) Newborn insurance
The newborn will be reinsured within 60 days after 30 days of birth, and manual underwriting is required.
IVF, surrogacy or adopted babies apply for additional insurance within 120 days after 90 days of birth, subject to manual underwriting.
(2) Enjoy the benefits of life pro
Alcohol Life Pro is divided into four plans according to the coverage area, Continental Plan, Asia Plan, Global Except US Plan and Global Plan, with the sum insured ranging from 6 million to 8 million.
Certain expensive hospitals can choose to pay 0%, 20% or 100% of the out-of-pocket – to adjust the price.
Hospitalization can be set up with 0 or 10,000 deductibles - to adjust the price, outpatient is 0 deductible, but there is not much difference between inpatient deductible 0 and 10,000 premiums, it is recommended to choose 0 deductible
There is basically no single limit for hospitalization benefit. The four outpatient plans are 40,000, 80,000, 200,000 and 8 million.
(3) Enjoy Life Pro rate
Shinbo:
30-year-old mother + 30-year-old father + 0-year-old daughter, choose Chinese mainland plan, excluding specific expensive hospitals, 0 deductibles, social security, total family premium 18943.06 + 18943.06 + 18873.23 = 56759.35 yuan, moderate premium.
30-year-old mother + 30-year-old father + 0-year-old daughter, choose Chinese mainland plan, including specific expensive hospitals, 0 deductibles, social security, total family premium 25514.99 + 25514.99 + 26863.07 = 77893.05 yuan, the premium is more affordable.
10-year-old daughter, choose Chinese mainland plan, excluding specific expensive hospitals, 0 deductible, social security, separate insurance premium of 16705 yuan, can go to Shanghai Hongfeng International, outpatient + inpatient responsibility is very suitable.
10-year-old daughter, choose Chinese mainland plan, including specific expensive hospitals, 0 deductible, social security, separate insurance premium of 23,814 yuan, can go to United Family Care, outpatient + inpatient responsibility is very suitable.
It is recommended that you choose to apply for insurance without social security rates, otherwise you can only be reimbursed 60% without using social security settlement
Renewal:
The renewal premium rate will be determined according to the claim situation, the fewer the number of accidents, the lower the rate, and the premium discount will be based on the risk level factor.
Risk Rating Factor:
(1) Preferred: The number of outpatient visits in this year is 0-3, and the risk level factor is 95%
(2) Standard body: The number of outpatient visits in this year is 4-10, and the risk level factor is 100%
(3) Sub-standard level 1: The number of outpatient visits in this year is 11-20, and the risk level factor is 110%
(4) Level 2 of the sub-standard: The number of outpatient visits this year is 21-30, and the risk level factor is 130%
(5) Sub-standard level 3: more than 30 outpatient visits in this year, with a risk level factor of 150%
(4) Tips
(1) The outpatient quota of the mainland plan is 40,000 yuan, of which the maximum annual limit is 5,000 yuan for traditional Chinese medicine and acupuncture, and the limit for each visit is 800 yuan, and the benefits of routine physical examination, vaccines and dentistry are 2,000 yuan
(2) Optional dental and physical examination responsibilities are not recommended, and separate dental insurance and physical examination packages can be purchased when needed
(3) There is no limit on the cost of psychiatric treatment for outpatient clinics, and the inpatient global plan is limited to 60 days per year, and other plans are limited to 30 days
(4) The maximum annual benefit for the Rehabilitation Global Plan is 60 days, and for other plans, it is 30 days
(5) Organ transplantation, whether the cost of surgery for either the donor or the recipient, is covered
Both MSH Select and Median Glory both include the cost of the recipient surgery only.
(6) Latest list of specific expensive hospitals:
(1) United Family Hospital, except for Shenzhen New Frontier United Family Hospital
(2) Parkway Healthcare (cities other than Hong Kong; Gleneagles Hospital Chengdu and Xinkang Outpatient Clinic, Chengdu)
(3) Raffles Medical
(4) Dawn Medical
(5) New Century Group (except Chengdu, Suzhou and Qingdao)
(6) Beijing Yide Hospital
(7) Beijing International Medical Center
(8) Shanghai and Beijing Temple of Heaven Puhua Hospital
(9) Shanghai Oriental United Hospital
(10) American Medical Center (Shanghai)
(11) Shanghai World Medical Center
(12) International Surgical Center
(13) Hong Kong Adventist Hospital
(14) Hong Kong Centennial Hospital
(15) Hong Kong Sanatorium & Hospital
Summary:
Alcohol Life Pro is suitable for:
(1) Children aged 10 and above, especially those who like to go to Shanghai Hongfeng International Hospital.
(2) Friends who like traditional Chinese medicine treatment.
(3) Friends who want high-end medical insurance with a higher outpatient amount.
(4) Friends who want to have comprehensive outpatient + inpatient protection responsibilities and affordable high-end medical insurance.
……
Further reading:
Extended Life:
Large companies increase their longevity - Yuexiang Xinsheng Hui Xuan Edition v Xinxiang Future No. 2 v Xin Ruyi No. 1
Dividend-type increase longevity king - a lifetime favorite
Support the increase of life expectancy of double policyholders and double insureds - Great Wall Shanhaiguan Longteng Edition
With a pension community and a high current price of increased longevity - Fosun Yingjia Tiger Roar Edition
Pension Insurance:
The 3.0 era is not only like increasing the amount of life, but also a pension - wishful thinking + Daying Home 2.0
Pension suitable for women - Fude Life Xinxi Nian Exclusive Edition
A tax-efficient personal pension - Sunshine Life C
High Pension - Winner of Xinghai (Dragon Version)
A quick-return annuity that can be deducted from individual income tax - Taiping Shengshi Xinxiang J paragraph
Pension insurance with tax deduction and flexible payment period - Sino-British Life Welfare Domain
Tax-advantaged health insurance:
With an annual income of 16W, you can get individual tax wool: tax-advantaged health insurance - PICC long-term care insurance
Medical Insurance:
How to choose high-end medical care for children in the new century and United Family when taking children to New Century Children's and United Family for treatment?
How to choose high-end medical insurance and pregnancy insurance for pregnant mothers who are planning to become pregnant?
High-end medical insurance that children can apply for separately - JD Allianz Growth Priority 2023!
The high-end medical insurance that children can apply for separately - MSH Xinsheng Generation 2023 is here!
The high-end medical insurance that children can apply for separately - the middle belt new Yanbao 2024 is here!
The king of high-end medical insurance for maternity - the middle belt is high-end 2023 is coming
High-end medical insurance that can cover pre-existing conditions with a very flexible combination - Median Glory 2023
Middle-end medical care that can be paid directly and can be insured separately for minors - the middle belt is perfect in 2024
The King of Hospitalization Plan Popularity - China Merchants Cigna Mellow Joy Life II.
High-end medical insurance that covers pre-existing conditions and congenital conditions - AXA Tianping Global
A high-end medical insurance with global policy migration – AXA Tianping Excellence Global
A mid-range medical care that is especially suitable for parents - AXA Express
Treasure Mid-range Healthcare - AXA Excellence Xinxuan 2023
The Best High-end Medical Insurance for Adults and Children - MSH Picks 2022
Mid-range medical insurance that ordinary people can also afford - MSH Joyful Life 2023
The king of high-end medical insurance cost-effective - Ping An Yixiang A/B
Pregnancy Insurance:
MSH MC3 - Pregnancy insurance that includes the cost of childbirth and can go to the United States to give birth
The most cost-effective pregnancy insurance for childbirth in China - Xiyanbao 2022
You can go to the United States to give birth, and you can insure the pregnancy insurance of IVF twins - Xiyanbao Global Edition