Many people have a "big company complex" when buying insurance, after all, buying it may be related to the next few decades, and there will always be a little uneasy about companies that have not heard of it.
But many people basically listen to the introduction of relatives or acquaintances and salesmen, and they don't even understand the product, so they sign and buy it directly.
In order to help you avoid detours and pick cost-effective products, I once collected the terms of nearly 1,000 insurance products on the market and screened out oneRecommended list of insurance for large companies, everyone's general response is good
So near the end of 2023, as well as events such as the "731 interest rate cut", some of the products mentioned in the previous article have become obsolete or discontinued, and recently I spent another three weeks to help you do a new ** evaluation, don't miss it!
If you must buy products from large companies, then you must be patient to read this article today to avoid buying the wrong one, and enter the text below.
First of all, the first one on the list is:The appearance of peace is peacefulOnce listed, it has become a blockbuster hit in the million-dollar medical insurance market this year!
Produced by Ping An Health, the company's brand goes without saying, and the product itself performs quite well, and its core advantage is:Guaranteed renewal for 20 years
This is the longest guaranteed renewal period on the market, and there are only a handful of products that can do it, and the protection of Changxiangan is also very solid, as follows:
The four basic protection responsibilities of million medical insurance should be had:
Inpatient medical care
Special outpatient clinics
Outpatient surgery
Outpatient emergency before and after hospitalization
In terms of key purchased drug protection, Changxiangan has also been greatly improved compared with the previous old Ping An e-life insurance, and has achieved 100% reimbursementThis benefit is also guaranteed to be renewed for 20 years
Currently, it contains 155 anti-cancer drugs and 2 CAR-T immunization**, which are reimbursed up to 100% of the costs as long as they meet the terms and conditions.
Moreover, if the purchase is made at a designated pharmacy, the insurance company can also pay for the expenses directly, and we do not need to pay for it ourselves. There are also value-added services such as hospitalization advances, medical green passes, expert appointments, etc., and the protection is in place
In addition, there is another point worth paying attention to, that is:The deductible of the appearance of An's is decreasingWhat does that mean? Namely:
In the absence of a claim, its deductible can be reduced by 1,000 per year, up to a maximum of 5,000, which lowers our reimbursement threshold, which is very friendly.
Comprehensive protection, ** is also very close to the people, 30-year-old people to buy, more than 200 a year, very value; For parents around 50 years old, it is only more than 1,000 per year, and the cost performance is very high.
In general, Ping An's long-term medical insurance is very comprehensive, not expensive, up to 70 years old can also be bought, it is indeed a conscience product, you can focus on it, as soon as possible to give yourself and your family a complete!
Friends who are interested in this product, you canClick the card belowMake an appointment for a consultation
Is there any other choice but peace?
Another leader in the million-dollar medical insurance isPacific Health's Blue Medicare, the same guarantee of renewal for 20 years, 100% reimbursement of purchased drugs written into the contract, people are very reassuring, the specific details of the guarantee are as follows:
Note: This product uses the same terms and conditions as the previous eCare-MediCare Protector.
In fact, the protection of blue medical insurance, the above-mentioned Ping An looks almost safe, but there are some slight differences in health notice:
For example, Chang Xiangan asked whether there was bronchiectasis at present or in the past, but Lan Medical Insurance long-term medical insurance did not ask; Blue Medical Insurance asked if he had followed the doctor's instructions for more than 30 days of continuous medication** in the past 2 years, but Chang Xiangan did not ask.
Everyone can combineInform you about your preferences, physical condition, and the health of your productsJust pick it.
Above, there are so many choices, if you don't know how to choose after reading, or your physical health is average, and you won't do health notice, you can click on the following mini program link to consult a professional planner for free:
Finally, considering that most million medical insurance plans have a deductible of 10,000 yuan, and the threshold for claims is high, you can also match a small medical insurance at this time, which can just fill the gap of 10,000 yuan, so that you almost don't have to pay for it yourself.
I recommend you to buy itPing An's Star of Hope No. 2 (Basic Edition)., you can buy it for as little as 100 yuan, but it is only available for people in the age group of 3 24. If you don't care about the company's brand, Zhong'an Hospitalization Insurance 2022 is also very good, and it is the first choice for 5 50 year olds. Let's move on to accident insurance.
In the second half of this year, the product of accident insurance has also changed greatly, and the previously recommended Ping An Orange Guard** Accident Insurance No. 2 has been discontinued, and I have searched the market for 489 product terms, and I have re-found 4 of the most worthy new products of large companies, covering most of the people aged 0 80, you can close your eyes and enter!
The first is PICC's property insuranceBig Armor No. 5 Ultimate EditionThe company was established early, with a large premium scale, total assets of nearly 751.9 billion yuan, and strong strength in all aspects
This one is worthy of it**High Sum Insured Accident InsuranceThe preferred product, as long as the annual premium is 288, you can buy the supreme version of 1 million, large and small accidents in life can be insured, 100% reimbursement of social security is not limited, death and disability can also be compensated, and sudden death also has an insurance amount of 500,000, which is very cost-effective.
This one is worthy of it**High Sum Insured Accident InsuranceThe preferred product, as long as the annual premium is 288, you can buy the supreme version of 1 million, large and small accidents in life can be insured, 100% reimbursement of social security is not limited, death and disability can also be compensated, and sudden death also has an insurance amount of 500,000, which is very cost-effective.
If you drive by yourself, or take a bus or plane and encounter various traffic accidents, resulting in death or disability, there are also additional benefits, and the details are in place
However, it should be noted that this product has a health notice, and there is a certain threshold for insurance, and people with high blood pressure of grade 2 and above cannot be insuredQinglongwei No. 2 (Supreme Edition).It can be used as an alternative, and people with high blood pressure can also buy it:
Underwritten by Taiping Property Insurance, ** is also very cheap, 285 yuan can be insured for 1 million supreme version, but there are more restrictions on the insured area and medical hospital, you must read the insurance instructions before starting.
After buying it for yourself, if you still want to configure accident insurance for your parents,Ping An's Attentive Elderly Accident Insurance 2023 (Upgraded).It is definitely an excellent product that belongs to the first echelon, which can not only insure your parents, but also your grandparents, grandparents and other relatives, which is very flexible.
The protection of this product is very good, 100% reimbursement of accidental medical treatment is not limited to social security, and there is also an accidental hospitalization allowance, which can receive 80 yuan a day, and there are no deductible days. If parents are over 60 years old, they can choose it first.
The evaluation is here, I have to say that the list of products recommended by large companies today really can't avoid the company Ping An, if you still want to buy it for your children,Safe little urchin No. 5Also preferred :
Only more than 60 yuan a year, you can reimburse tens of thousands of yuan of accidental medical expenses, but also protect accidental death or disability, as soon as the child is born, the sooner the configuration, the more peace of mind!
In addition, if you are looking for a higher amount of accidental medical insurance, you can also consider AIG P&C Insurance's products: Focus on Children's Accident Insurance 2023 New Edition (Ordinary Plan 1), with a medical insurance amount of up to 100,000, which is higher than similar products; After adding money, you can choose the exclusive version, and the scope of medical treatment has been expanded to the special needs department of secondary and above public hospitals, the international department, and designated private hospitals, and you can buy it for a minimum of 200 yuan, so you can choose according to your needs
To sum up, we can see that millions of medical insurance and accident insurance are generally not expensive, but also have both large companies and the ultimate cost performance, and can really solve the urgent protection needs of our ordinary people, very practical, we must be as soon as possible to give yourself and your family a complete!
If you want to learn more about Million Dollar Medical Insurance for large companies, you canClick the card belowto make an appointment for a one-on-one insurance consultation service
You just need to follow the list I introduced above, and then let's take a look at the trickiest critical illness insurance product options.
In the area of critical illness insurance, the products of large companies are relatively expensive, and finally after we collected and compared hundreds of terms in a carpet way, it was difficult to find a more reasonable one with good protection.
The winner isPICC Life Insurance's i Worry-Free 20As mentioned earlier, PICC was established early, with a large premium scale and strong strength in all aspects, and is a traditional large company brand.
Secondly, in terms of protection, it covers many mild and moderate diseases and high-incidence diseases, and the protection of diseases is also relatively good, and the detailed protection responsibilities are summarized as follows:
Let's take a look at the specific**, take a 30-year-old male friend as an example, buy 500,000 sum insured, choose to protect it for life in one step, pay it in 30 years, and the premium is 7400 a year.
This **, it is indeed more expensive than the consumer-based critical illness insurance that we have been recommending, but in fact, in the critical illness insurance of large companies with tens of thousands of dollars at every turn, it is already considered cost-effective0 (paragraph a).
In addition, it also has a great advantage that the health requirements are relatively relaxed, in addition to the above-mentioned thyroid, breast nodules, hepatitis B and other physical examination abnormalities, such as pulmonary nodules also have the opportunity to buy, health requirements are more relaxed than similar products, physical conditions can not buy other products, you may wish to try this.
Finally, there is term life insurance, which you can take a look atLove 2023, from Tongfang Global Life!
This is a Sino-foreign joint venture insurance company officially established in 2003, its investors are the Dutch Global Life Insurance Group (AEGON) and Tongfang shares ***THTF), each of which contributed 50% of the capital, with a registered capital of 26300 million, with assets of over 26.7 billion;
In addition, more than 50 offline branches have been set up across the country, a proper large company!
The advantages and precautions of this product are as follows:
The value for money of the 2023 is very high, and under the same conditions, it is cheaper than other similar models.
Take a 30-year-old woman as an example: buy 1 million insurance amount, protect until the age of 60, pay it for 30 years, and the annual premium is only 596 yuan, which is really worth it, and successfully ranks among the first echelon products!
In addition, in addition to comprehensive basic protection, this product can also choose additional compensation for sudden death, additional compensation for cancer death, and additional compensation for accidents in water, land, air and public transportation.
Although the product is good, there are some details that you should pay special attention to:It is not possible to directly designate a beneficiary in 2023, you need to call customer service ** after applying for insurance to change.
In addition, its health notification is stricter, so it is not suitable for people with diseases such as lung nodules and hepatitis.
If you really can't buy it, you can also focus on itDamai Ultimate Edition A model, underwritten by Huagui Life, the major shareholder behind it is Moutai Group, the strength should not be underestimated, the protection is also in place, and the cost performance is very high!
Summary
The products introduced above have relatively solid protection, no pitfalls, and are all products that have both the brand of the insurance company and the cost performance.
Friends who especially like big companies, you can focus on it, you can buy it according to the list I have compiled, and you will basically not go wrong
Click here, **Consultation: Senior insurance consultant will answer for you.
Of course, if we are not limited to large companies and want to spend less money to buy better protection, then there are actually more better and cheaper products to choose from on the market!
Especially for critical illness insurance of large companies, it costs seven or eight thousand, or even tens of thousands of yuan at every turn, but if you choose consumer-based critical illness insurance, you can save half of the money, which is suitable for people who pursue the ultimate cost performance.
Let's share directly with me that I recently made a comprehensive protection plan for a female colleague in the company, Yoyo, with the classic four major types of insurance, and the annual premium is only more than 2,000It translates to 232 yuan per month, it can be said that the cost performance has been done to the extreme, and you focus on it.
If you also want us to help you customize your own insurance plan, you can click here to make an appointment, the service is free of charge.
Let's learn about the basic situation of Yoyo's family: 29-year-old Chaoshan girl, currently unmarried and childless, working and living alone in Shenzhen, she joined our deep blue insurance last year, engaged in technical work, usually works a lot of overtime, with the increase in age, the family urges marriage, etc., often feel a lot of physical and psychological pressure, and always worry that they are seriously ill and have no money, dragging down their parents and family.
Approaching the New Year, she finally cured her procrastination before her birthday and gave herself full protection, let's look at the plan in detail:
Million Medical Insurance: The Blue Medicare of the Pacific, guaranteed renewal for 20 years, large companies are very reassuring, can transfer the risk of large medical expenses, so that the part of the hospitalization cost of more than 10,000 yuan, eligible for up to 100% reimbursement, * as long as more than 200;
Accident Insurance: Little Bee No. 3 (Collector's Edition).This product is the first choice for accident insurance with an insured amount of 500,000, with good conditions for accidental medical reimbursement, 100% reimbursement of social security, and it can be done for a hundred yuan, which is practical and cost-effective
Critical Illness Insurance:I chose a popular critical illnessSuper Mario 9The basic protection is comprehensive, guaranteed until the age of 70, paid in 30 years, and the 300,000 insurance amount is only more than 1,000 yuan per yearIn the future, when the income increases, yoyo will add another 500,000 yuan for life.
Term Life Insurance:It is also equipped with cost-effective products in the first echelon of the market:Love 2023, the insurance amount is 1 million, ** is also very cost-effective, as long as more than 500.
The whole set of programs provides a very comprehensive set of illness and accident protection, very comprehensive, ** is not expensive, our female colleague is very satisfied, life and work are more at ease, even if there is a sudden accident in the future, it will not drag down the family, recently she is also studying to give her parents in her hometown with medical insurance and accident insurance, very filial
Considering that everyone's income and needs are different, the products you buy will be a little different, if you don't have time to research, and want to equip yourself or your family with a complete protection plan as soon as possible, directly click on the card below to make an appointment for a free consultation, and a professional planner will assist in answering.
Buying insurance is a very personal thingIt's like a woman buying cosmetics and a man choosing electronicsSome people don't buy it if it's not a big company, and some people think it's good to use it, and there is no right or wrong in this.
From the end of 2023, there are only 20 days left, today I will simply evaluate a few relatively competitive products of large companies on the market, if you are approaching the end of the year and want to give yourself complete life protection as soon as possible, you can focus on the reference, buy early and rest assured!
If you are more sensitive to **, in fact, there is no limit to large companies, there are more better, more value-added products to choose from. Especially for critical illness insurance, when we have a limited budget, it is more appropriate to buy consumer-based critical illness insurance, which can maximize the amount of insurance and is more suitable for ordinary families
In short, when buying insurance, the emphasis is on doing what you can, buying with less money and less money, and buying with more money and a comprehensive way to buy.
But whether we have money or not, we have to find a way to transfer the risk out, and don't delay.
If you want to know more about insurance products, you canClick the card belowto make an appointment for a one-on-one insurance consultation service
If you have any insurance questions, please feel free to contact me, I will give you the right advice with 6 years of experienceFor fans who have been insured through Deep Blue Insurance, once the insurance occurs, we will assist in the whole process of claiming.
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