First, from the perspective of insurance companies, Zhongan Insurance is one of the leading Internet insurance companies in China, with a good reputation and strong financial strength. Its products cover many fields, including medical care, accidents, tourism and so on. , has won the trust and choice of the majority of users. Therefore, judging from the strength and credibility of insurance companies, Zhongan Million Medical Insurance is not a scam. Secondly, from the perspective of insurance products themselves. Zhongan Million Medical Insurance is a formal insurance product that meets the regulatory requirements, with corresponding insurance clauses and scope of responsibility. The insured needs to read and understand the insurance clauses carefully before purchasing, and understand the reimbursement ratio, scope, possible restrictions and exclusions.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".