This big company effect, a product with many auras, has attracted many people's attention. China Ping An Life Insurance Company of China Insurance Company is very powerful, so the seniors will not explain much. Interested students can learn more about China Ping An Life Insurance Company of China Insurance Company through this article:
How about China Ping An Life Insurance Company of China Insurance Company? What product? What pit routines are there?
Let's focus on, how about 202 1 Ping An I have no worries about medical insurance, and whether it is worth starting with.
1.202 1 What are the advantages and disadvantages of safe and worry-free medical insurance?
202 1 The coverage of Ping An's worry-free medical insurance is as follows. Let's take a look first.
202 1 ping an I worry-free medical insurance is an upgraded version of ping an I worry-free medical insurance, which mainly includes the diagnosis and treatment insurance for malignant tumor/cancer in situ, and is a relatively simple anti-cancer medical insurance.
Let's take a look at the advantages of 202 1 Ping An's worry-free medical insurance:
1, with a wide age range.
At present, many medical insurances have set a strict age range for the insured, and it is almost difficult for the elderly over 60 to find suitable medical insurance.
202 1 Ping An My Worry-Free Medical Insurance covers a relatively large age range, even 70 years old is guaranteed, and it is very friendly to the elderly.
2. The insurance threshold is low.
202 1 ping an I worry-free medical insurance not only has the advantages of the old version I worry-free, but also its underwriting conditions are relatively loose, and it is also allowed for patients with "three highs".
Hypertension, hyperglycemia, hyperlipidemia and "three highs" are not uncommon. Insurance companies will consider risks when underwriting, and the three high-risk groups are generally the objects they refuse to insure.
Undoubtedly, many people think that it is a good choice to insure 202 1 Ping An I Worry-Free Medical Care. But the senior is still the same sentence: start with caution, and say it after reading 202 1 Ping An, I have no worries about medical insurance.
In fact, although this 202 1 Ping An worry-free medical insurance has been upgraded, it is worry-free compared with the old version and has not been upgraded in terms of protection.
The original defects have not been solved:
1, the renewal fee is unstable.
202 1 ping an I worry-free medical insurance mainly has the following problems: the renewal is unstable and the renewal is not guaranteed. Guaranteed renewal is a promise made by insurance companies to customers. Ensure that renewal, claims and health status will not affect renewal, even if the product is discontinued after 6 years.
Many excellent anti-cancer medical insurance on the market have guaranteed renewal conditions. For example, Sunshine Shennong's six-year cancer medical insurance not only agrees to insure the "three highs" population, but also promises customers to renew their insurance for six years.
Because the elderly are older, it is difficult to buy suitable health insurance, but for the elderly, Sunshine Shennong 6-year cancer medical insurance, a product that can guarantee renewal, is the best choice.
2. The deductible is high.
202 1 ping an I worry-free medical insurance deductible plan has three categories for us to choose from, and its maximum deductible is 30,000. Simply explain the deductible, that is, within the guarantee period, the expenses can only be reimbursed if they reach a certain amount.
In other words, if everyone is hospitalized for cancer, the cost of the first treatment is 654.38+10,000 yuan. After deducting a certain proportion of medical expenses from medical insurance, the remaining medical expenses need to be paid by the insured with a deductible of 30,000 yuan before the reimbursement of 202 1 Ping An I worry-free medical insurance can be carried out.
Here is an introduction about free compensation. If you don't know, please read:
So what does the deductible mean? Does a small deductible mean a good product?
30,000 yuan is not a small expense for cancer families. It is precisely because of this that the senior sister has a bad impression on 202 1 Ping An I have no worries about medical insurance.
3, there is no proton heavy ion guarantee
Proton heavy ion protection is the most useful cancer diagnosis and treatment technology at present. Besides making an appointment, it costs a lot of medical expenses.
In order to solve the medical pressure of cancer families, many anti-cancer medical insurances in the market provide proton heavy ion protection, such as Cai Jing lifelong anti-cancer insurance, which is exactly what 202 1 Ping An I Worry-Free Medical Insurance lacks.
In contrast, 202 1 Ping An I have no worries about medical insurance is slightly inferior.
Second, is 202 1 ping an I worry-free medical insurance worth buying?
To sum up, the advantage of 202 1 Ping 'an Worry-Free Medical Insurance lies in the low requirements for purchasing insurance, and the underwriting rules create a favorable environment for the "three highs" group and are suitable for the "three highs" group.
But at the same time, we should also pay attention to this. 202 1 ping an I worry-free medical insurance does not provide guarantee renewal service. If you want long-term protection, it is recommended to use this product with caution. Under the same conditions, there is better medical insurance waiting for us.
Finally, here is the most comprehensive guide to purchasing cancer insurance. You can keep it for later use:
What is the use of buying cancer insurance and how to buy it? Here gives you a deep understanding.
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