Closing the 20 year million medical insurance still depends on Ta

Mondo Finance Updated on 2024-01-31

Author Cat Girl.

* Big Cat Institute.

The first batch of long-term million-dollar medical insurance began to expire one after another.

Where do we go from here?Young people who graduated just five or six years ago have already started a family.

Young people who just got married five or six years ago have already experienced the taste of being old and young.

"I'm not young, and I'm going to choose a 20-year guaranteed renewal this time. ”

With the passage of time, we have matured, and the million-dollar medical insurance has matured.

One-time insurance, lock-in 20-year protection, 20-year million medical insurance, because of more security, and the most popular.

However, there are many choices of similar products, which undoubtedly exacerbates consumers' "choice difficulties".

Since it is going to be entrusted for 20 years, if you want to choose, you will choose the products of powerful companies.

Powerful insurance companies have abundant capital, stable operation, and are willing to invest, so that millions of medical insurance products are more and more sincere and warm.

"Blue medical insurance" is a typical representative of this. Although it has only been online for two years, it has been favored by millions of users.

And the "blue medical insurance" is not only a large customer base, the customer base is still very young, the data shows that 57% of the "blue medical insurance" insured users are between the ages of 26 and 35.

For Million Dollar Medical Insurance, the younger the customer, the lower the risk of underwriting loss, the higher the incentive for the insurance company to innovate and forge ahead, and the better the stability.

It is not easy to become the first choice of long-term medical insurance for young people. "Blue Medical Insurance" not only has solid protection and high cost performance, but more importantly, it understands the needs of customers, and every upgrade and iteration is carried out with sincerity.

Recently, the "blue medical insurance" has been upgraded again.

In addition to the continuous optimization and iteration of the ace product "Blue Medical Insurance and Long-term Medical Insurance", the product matrix of "Blue Medical Insurance and Long-term Medical Insurance" has also been expanded, and the new "Blue Medical Insurance and High-end Medical Insurance" has been launched

At present, the "Blue Medical Insurance" product family has five members: "Blue Medical Insurance Long-term Medical Insurance", "Blue Medical Insurance - Medium and High-end Medical Insurance", "Blue Medical Insurance - Million Medical Insurance", "Blue Medical Insurance - Internet Outpatient Insurance" and "Blue Medical Insurance - Lifetime Cancer Prevention Medical Insurance", and the product line is more complete.

Among the 20-year guaranteed renewal of millions of medical insurance products, "Blue Medical Insurance Long-term Medical Insurance" has always been in a leading position.

In terms of product basic configuration, it is the best form of mainstream popular products on the market, and the guarantee is sufficient

The maximum sum insured is 8 millionThe maximum insurance amount of 8 million includes: 2 million for general medical insurance, 2 million for specific diseases, 4 million for 120 major diseases, and 10,000 yuan for the first diagnosis of critical diseases. Within the scope of responsibility,Regardless of major or minor illnesses, it can be insured, and the claim is not limited to the scope of medical insuranceAs long as the part exceeds the deductible of 10,000, it can be included in the scope of claims.

Moreover, the "Blue Medical Insurance Long-term Medical Insurance" is very in place in the handling of several details.

Here are a few examples:

A good product is not only easy to use, but also easy to lose.

Some million-dollar medical insurance, although the insurance is very silky, but the later need for service, need to make claims, it is particularly difficult. Online customer service is always a robot, answering non-questions, hit **, it's been going around, and every time you connect, you have to redescribe the problem.

Pacific Health Insurance is specifically launched for this pain point"Dolphin Wisdom Compensation"., one of the company's members of the cat "guinea porpoise" as the chief "accompaniment" officer,Provide customers with one-stop butler service of claims + medical treatment

When users need services, it can help interpret physical examination reports, online consultations, and expert surgery appointments.

When users need to settle claims, it can be transparent throughout the process and check the progress of claims in real timeWhen the time limit is exceeded, it can help users expedite the reminder;The claim conclusion is obscure, and it is for the user to interpret;In the event of a dispute, the claims manager can also explain and coordinate.

Moreover, with the help of technology, the settlement of claims is faster, and the application materials for Internet medical insurance are completeThe probability of completing the review within 1 working day is more than 50%.;Internet outpatient clinics can also achieve direct compensation, consultation, prescription, on-the-spot reimbursement, and door-to-door delivery of medicines.

Compared with similar products, the claims and services of "Blue Medical Insurance" are more efficient and warm.

The million medical insurance on the market is limited to treatment in secondary and above public hospitals, butThe "Blue Medical Insurance and Long-term Medical Insurance" clearly points out that medical institutions in mainland China for urgent and critical patients are exempt from the restrictions of designated medical institutions(After the emergency condition is stabilized, it is necessary to transfer to a designated medical institution for treatment).

Some time ago, Mao Mei's cousin-in-law had a heart attack on the way to work, and with the assistance of the subway station staff, he decided to go to the nearest private hospital. Although it is the morning rush hour, because of the short distance, the time consumed on the road is short, and it happens to be rescued within "**three hours", and the later stage is very good.

In a situation like this, if you apply for other million medical insurance, you will refuse to pay for it, but if you apply for "blue medical insurance and long-term medical insurance", you can make a claim.

In the face of human life,"Blue Medical Insurance and Long-term Medical Insurance" is not cold about the nature of the hospital and the level of the hospital, with the purpose of saving people and reducing the pressure of medical expenses for users, it is particularly humane.

In terms of specific drug protection, the protection of "Blue Medical Insurance and Long-term Medical Insurance" is also more friendly, enjoying an independent insurance of 2 million years, with 0 deductible, 100% reimbursement, and guaranteed renewal for 20 yearsAnd some products are only 90% reimbursed, or there is no guarantee of renewal.

This protection is actually very important, especially if you have a serious illness, if you want to use expensive imported drugs and anti-cancer targeted drugs, many drugs are not available in hospital pharmacies, and doctors have to go out and buy them after prescribing them.

The types of special drugs of "Blue Medical Insurance and Long-term Medical Insurance" are also very rich, 1.2 million yuan a shot of CAR-T special drugs can also be compensated.

Another example,In terms of saving money for users, "Blue Medical Insurance and Long-term Medical Insurance" is also particularly powerful. Family members of 2 or more can get a 95% discount on the premium, in addition to that,Users can participate in the "Health Points" task, and the premium can be discounted by up to 85% after reaching the standardThe two discounts can also be superimposed, so that users can use more and more cost-effective.

On the basis of leading the basic form and polishing the details of the product, "Blue Medical Insurance and Long-term Medical Insurance" is also constantly reconstructing consumer demand, breaking the inherent understanding of the industry, and expanding the boundaries of protection

Extend the concept of medical insurance

Cognitively, million medical insurance is a medical insurance product, which has been iterating around medical expenses and health management, but in fact, the expenses during medical treatment are far more than just those on hospital bills, and the loss of income after disability is also not a small amount of money.

"Blue Medical Insurance and Long-term Medical Insurance" breaks through the protection boundary and extends the concept of medical insurance, adding "additional hospitalization allowance medical insurance" and "additional disability income loss insurance".The two responsibilities allow users to have subsidies for hospitalization and income for disability, and both responsibilities can be guaranteed to be renewed for 20 years.

Health services have been upgraded

After buying insurance, people will always say, "It's better not to use it". But if you don't use insurance, it always feels like throwing money at nothing. In order to enhance the user's sense of gain, and in order to give users high-quality services in addition to simple economic compensation, insurance companies are pondering how to do a good job in "insurance + health management".

The health management service of "Blue Medical Insurance and Long-term Medical Insurance" has also been upgradedFrom 11 to 25 and now34 items, covering 4 stages from prevention, diagnosis, ** to health careto realize the management of the whole life cycle and the whole course of the disease of users.

The previously launched services such as nursing &** service, direct payment from head hospitals, and full-course management of Taiyi housekeeper are very intimate. The new pediatric dental fluoride, scoliosis assessment, etc., are also very suitable for the current family needs.

Expansion of special medicine refueling packages

"Blue Medical Insurance and Long-term Medical Insurance" itself has the largest variety of special drugsAfter this upgrade,The list of specialty drugs was expanded to 162.

Moreover, the speed of "new" is very fast, such as the fully human targeted BCMA CAR-T product "Fukesu", which was only launched in the second half of this year, has been included.

Since the beginning of winter, children have been sick very frequently, and the full children's hospital and the queue for medical treatment have touched the nerves of many people.

There are many children who have been hospitalized due to severe pneumonia or myocarditis caused by the virus, and several of them are admitted to the special needs department.

Some parents really can't help it. If the outpatient clinic can still rely on the floor in the corridor and the infusion in the campervan, the lack of beds in the hospital cannot be solved by relying on folk wisdom.

But more often than not, it is the initiative to live in special needs. In order to make the child suffer less sin and live more comfortably, parents can always accompany the child and take care of it more thoughtfully.

The user's demand for mid-to-high-end medical insurance, "blue medical insurance" has also seenThe newly launched "Blue Medical Insurance, Medium and High-end Medical Insurance" can cover the special needs department, international department, VIP department of secondary and above public hospitals, and even some carefully selected private hospitals.

Compared with similar products on the market today,The biggest advantage is that there is no need to submit a physical examination report, and there is 0 deductible and the insurance is guaranteed to be renewed for 6 yearsSo that users will not worry about using it this year and not being able to renew it next year. If a critical illness occurs during the policy period, the policy will not only continue to be covered during the renewal period, but also the subsequent premiums will be waived.

Moreover, it'sThere are many direct payment hospitals, and customers only need to open pre-authorizationThere is no need to submit a reimbursement later, which is particularly trouble-free.

"Blue Medical Insurance, Medium and High-end Medical Insurance" also has family insurance discounts, and 2 people who are insured can enjoy a family single 95% off, 9% off for 3 family members。Not only should we be willing to spend money on our children, but we should also be kind to ourselves.

Cat girl has been observing the industry for many years, and has a particularly obvious feeling, that is, buying health insurance does not need to be varied, for ordinary peopleIt is difficult to manage an insurance plan that is too complicated, and you accidentally forget to renew your policy, or you can't remember to make a claim if something happensEven if you go to make a claim, company A, company B, and company C ......Each company needs to prepare materials, and each company has different needs, which is too cumbersome to deal with.

Instead of "patching" everywhere, it is better to choose a good product, one is enough.

Good products, just like "blue medical insurance", insurance companies can uphold the concept of "product as a service", through product research and development capabilities, scientific and technological capabilities, do a good job of integrating service providers, and provide users with insurance solutionsMake the protection longer, you can use it when you buy it, and the more you use it, the more cost-effective it is

Long-term health insurance, it is enough to have TA.

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