Hello everyone, I am the one who understands Baojun.
I don't know if any friends have recently received such a text message:
Simply put,The medical insurance million medical insurance (6 years) you bought before can now be upgraded to 0 deductible, you can pay more after upgrading.
In this regard, many friends have consulted Baojun, do you want to upgrade? Is there a routine? How should I choose the protection after the product expires?
Today's article will introduce it to you in detail.
part.
Good health insuranceDo I need to upgrade when the term expires?
Some friends think that the medical insurance million medical insurance has been upgraded from 10,000 deductibles to 0 deductibles, and it feels very good to pay more in the future; But there are also people who are afraid of stepping on the pit, which will affect the future claim.
In order to better help you make decisions, let's first understand the difference between the two products, as shown in the following table:
It can be seen that there are three main differences between the two products in terms of protection:
1. Deductible:
If you are sick and hospitalized, after being reimbursed by social security, the original good medical insurance can only reimburse more than 10,000 yuan.
The 0 deductible version is more reimbursement-friendly, and 30% of expenses below 10,000 yuan can be reimbursed, which is equivalent to a small medical insurance with an insurance amount of 3,000 yuan.
2. Guarantee responsibility:
0 deductible canOutpatient and emergency departments are covered for 30 days before and after hospitalizationto be reimbursed for more expenses.
3. Premium:
The 0 deductible version will also be a bit more expensive. Especially for babies as young as 0 years old and people over 50 years old, the premium** can be in the hundreds.
After talking about what it can protect, let's take a look at what it can't protect.
0 deductible version is exempt from liability for herniated disc and hemorrhoids, and only the bed fee for double and above rooms will be reimbursed, and single rooms will not be reimbursed.
These items have a certain impact on the actual reimbursement, especially the herniated disc, which may cost hundreds of thousands of dollars when the condition is serious**, if you are worried about this, you can choose to renew the original version of the medical insurance.
Overall, the 0 deductible version will be a little better in terms of protection, but you should also pay attention to its exclusion clause and choose according to your own situation.
AbsolutelyCompared with these two products that are guaranteed to be renewed for 6 years, some friends want to change to a product that can guarantee a renewal of 20 years and the protection is more stable, so should I change it?
part.
Good health insuranceWhen the term expires, should I change the product?
Changing products is actually re-insured, and the first thing to do isHealth Notice。Therefore, whether to change or not depends mainly on your health status.
Here are some ideas for you::
1. Unhealthy health
If there is an abnormality in the endobody examination in recent years, and the new product will be excluded from coverage, then it is not recommended to replace the product.
For example, if a thyroid nodule is found in a recent medical report**, if the product is insured for 20 years, it is likely to be excluded. In this case, it is still recommended to renew the medical insurance, at least there can be comprehensive protection.
After all, in addition to the renewal time, the coverage is also important.
2. Be in good health
If you are in good health, you can be informed by the health of other products, or you can underwrite normally after smart underwriting. Then you can consider a product that is insured for 20 years.
Generally speaking, products that are guaranteed to be renewed for 20 years have a 90-day waiting period, and everyone should leave enough time to renew the insurance and do a good job of bridging the old and new products.
For example, if the old product expires in April next year, it is best to select the new product and apply for insurance in December this year, so that there is also a guarantee during the waiting period for the new product.
In addition to good medical insurance, some friends may buy other products, such as Ping An e-Life Insurance, Exclusive e-Life, etc. If I buy these products, should I replace them when they expire? Let's move on.
If you want to know more about the Million Medical Insurance, you can click here