1. The reimbursement amount is relatively high, because the guarantee amount of millions of medical insurance starts from several million yuan, which is a relatively high figure for many people.
2. With the allowance, if cancer needs hospitalization, you can receive hospitalization allowance in 200 yuan, with a maximum subsidy of 50,000 yuan a year.
3. Compared with the previous guarantee, except for reimbursement of hospitalization expenses, basically all outpatient expenses can be reimbursed, whether it is general outpatient or special outpatient. For example, the biggest advantage of e Kangyue Million Medical Insurance A is that it can be renewed even after the claim period, and there is no extra charge. In addition, its waiting period is only 30 days, and the guarantee period is long. It can be extended to 80 years old, and there is no need to recalculate the waiting period for subsequent extensions.
Disadvantages, China Life Insurance, such as E, Kangyue Million Medical Insurance, has more A-types.
1.There is no reimbursement guarantee for ICU expenses, which is what we often call ICU. This part of the cost of hospitalization is relatively high, and it may cost thousands or even tens of thousands of yuan a day, so it is not enough to reimburse only the bed fee and nursing fee.
2. In terms of value-added services, there is neither medical advance payment nor green channel service for serious illness. For many people, these two items are more critical. After all, a disease is too expensive to pay for treatment, and it can't be treated without advanced stage. Moreover, some hospitals have a narrow scope of reimbursement, and can only reimburse the treatment expenses of general inpatient departments of public hospitals above the second level. And there is a deductible of 1 0,000 yuan. Only medical expenses above 1000 yuan can be reimbursed, and expenses below 10000 yuan cannot be reimbursed. The new insurance coverage of 654.38+0000 can only cover cancer, but not other diseases.
In fact, after seeing the above advantages and disadvantages, buying China Life Insurance such as E Kangyue Million Medical Insurance A is not so strong. After all, there is no critical reimbursement guarantee and value-added services. It is better to look at other products.
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What are the advantages and disadvantages of China Life Insurance such as e Kangyue Million Doctors C?
Your death protection, critical illness protection and critical illness protection are all well guaranteed. In case of serious illness, 300,000 yuan will be paid, and China Life Insurance Co., Ltd. such as E Kangyue will solve the hospitalization expenses for serious illness. There is no conflict between the two reimbursement. In principle, it is still possible. However, your salary is more than 5,000 yuan, your annual income is more than 60,000 yuan, and your personal premium expenditure is 5%- 15%. In principle, 3000 -9000 yuan is more reasonable. However, your insurance portfolio has just been launched, which will cause certain economic pressure. During the hesitation period, you can choose to surrender, buy less offline insurance, and match your own medical insurance portfolio. Then buy an internet critical illness insurance to increase the insurance coverage.