Friends, I'm Hui Jiajun
I have always said that savings insurance should be adjusted, but I didn't expect that small medical insurance will change faster!
A few days ago, Hui Jiajun preferred a small medical insurance -Xiaoyixian No. 2 has undergone a major adjustment.
After adjustment, I feel that this product is not fragrant!
What are the specific adjustments?
In addition to this product, which other midwives are more worth buying?
Today, let's analyze and analyze together!
Xiao Yixian No. 2 before the adjustment vs after the adjustment.
What's changed?
Without further ado, let's look at the picture first:
Xiaoyixian No. 2 is an insurance that combines a combination of "accident + illness".Before the adjustment, it was recommended to have a small medical insurance that was particularly recommended
Why is it said that the adjusted Xiaoyixian No. 2 is not fragrant?
In fact, it is mainly due to the fact that it has adjusted two places this time:
One is the exemption from liability, which adds adenoid hypertrophy, cervical spine disease, inguinal hernia, hydrocele, and hemorrhoids.The impact of this change is still very large.One is to adjust the scope of reimbursement from unlimited social security to limited to social security.
Because we buy small medical insurance to make up for social security reimbursementThe amount of 10,000 before the million medical insurance reimbursement.
For example, a customer was hospitalized for cataract surgery, spending 4,963 yuan, and social security reimbursement was 3,043 yuanThe small medical treatment is only reimbursed 238 yuan.
In other words, after such an adjustment, the waiting period has been extended and the reimbursement rate has been reduced!The advantage of Little Medicine Immortal No. 2 has become smaller!
However, friends who have insured Xiaoyixian No. 2 before,Before the policy expires, it will still be paid according to the original rules;Don't worry!
So, which other small medical insurance is better on the market?
After many comparisons, Hui Jiajun selected two particularly cost-effective products for everyone!
It's worth buying on the market.
What is the micro-medical insurance?
This product focuses on high payouts + low threshold + unlimited range!
The main advantages are as follows:
The compensation threshold is low, and hospitalization for illness, accidental outpatient and emergency and hospitalization are all unlimited to social insurance, with 0 deductibles;
Programs 2 to 4,Illness and accident medical treatment will be reimbursed by social security at a maximum rate of 90%;
*Hospital restrictions are the least, except for the general departments of public hospitals of Grade II and above, except for all hospitals in Pinggu District, Miyun District, and Huairou District of Beijing.
The specific disadvantages are as follows:
The waiting period is long, and the waiting period for hospitalization is 90 days;
The payout ratio for individual illnesses is lowSuch as hemorrhoids, diseases of the female reproductive system, nodules, polyps, cysts, hyperplasia.
Premiums are higher than the first two.
The above two products have their own advantages, and the protection is also very comprehensiveWhich one to choose, you can choose it according to your personal needs!
Write at the end
Although the premium of small medical insurance is not high, if the product you buy is not cost-effective or affects the subsequent claims, it will outweigh the losses!
At present, there are not many products on the market about small medical insuranceWhen you choose a product, you can pay attention to the following 6 aspects:
In short, everyone when buying a product,Be sure to understand the claim conditions and protection situation clearly to ensure your rights and interests.
Well, that's all for today's content, if you wantCombined with personal circumstances to carry out insurance consultation and plan formulation, you can add planners for 1v1 consultation!