1. Is Zhongan Insurance a reliable company?
The business scope of Zhongan Insurance includes: enterprise/family property insurance, freight insurance, liability insurance, credit guarantee insurance and motor vehicle insurance (compulsory motor vehicle traffic accident liability insurance and motor vehicle commercial insurance) which are directly related to Internet transactions.
The whole business process of insurance is conducted online, and underwriting and claim settlement services are handled entirely through the Internet, with no offline branches. Domestic insurance companies have always been supervised by the China Banking Regulatory Commission. Whether the insurance company is big or small, it doesn't matter whether the insurance business is handled online or offline. After all, the CBRC is here ~
Secondly, there is no need to worry about claims. An insurance contract has legal effect from the time it takes effect. As long as the claim conditions stipulated in the contract are met and the claim application is filed in accordance with the normal claim procedure, the insurance company will definitely settle the claim according to the contract.
2. Are Zhongan Insurance products worth buying?
Zhongan Insurance, the company and the exclusive E-Life 2020 products that are selling well are reliable and still have certain advantages in the market competition. In the millions of medical insurance, it is also a hard-core product, and its status can be seen.
Enjoy electronic health as medical insurance. After upgrading to the 2020 edition, there are many highlights.
1, comprehensive guarantee: general hospitalization, serious illness hospitalization, special outpatient service, outpatient and emergency services before and after hospitalization, in which serious illness hospitalization includes 12 1 kind of rare disease hospitalization medical expenses. This time, proton heavy ions are included in the basic responsibility, with a maximum guarantee of 6 million yuan, 100% reimbursement. It can be said that the protection is very comprehensive
2. There are many value-added services: it is worthy of recognition to enjoy four free value-added services of E-student 2020: green channel for serious illness, prepaid function of expenses, postoperative home care, and cancer special medicine service.
3. The deposit and allowance for serious illness can be attached: for the first serious illness diagnosed after the waiting period, 100 will be paid immediately 100 yuan. For serious illness hospitalization, there is hospitalization allowance 100 yuan/day, and the maximum payment is 180 days per year. The extra cost is not too much, just add some protection.
4. Best health rate: New insured users who don't smoke and renewal users who don't have claims records can enjoy the best health rate, that is, about 15% off. I think this clause is very innovative.
Comprehensive protection is the biggest advantage of this product. In addition to basic security, there are 12 1 rare diseases, and three optional responsibilities are added: family deductible, critical illness insurance and hospitalization allowance. The coverage of proton heavy ions has also been improved to a certain extent, and the most important thing is that the price is also very cheap.
However, it is not a perfect product. The renewal of proton heavy ion medical care and optional hospitalization allowance for critical illness needs to be reviewed, and the optional critical illness insurance payment cannot be renewed.