For a long time, many people like to find big companies when they buy million-dollar medical insurance, just like they prefer big brands when buying clothes.
But there are too many big companies, Ping An, PICC, Pacific, AIA. Which one should you choose? And which major company million dollar medical insurance is worth buying? This is really stumped by a lot of friends.
In order to solve this problem, we evaluated hundreds of products of various major insurance companies, spent two full weeks comparing and screening, and finally sorted out a list of millions of medical insurance for large companies.
If you also want to buy products from large companies, then the following content should be read carefully, which can help you avoid many detours.
Buying insurance is like shopping, and if you want to pick a good product, there are many things you need to pay attention to.
In order to facilitate everyone's understanding, we have also sorted out the 4 aspects to focus on when selecting million medical insurance:Basic protection, renewal conditions, purchased drugs and value-added services.
Through the above 4 selection points, we can basically judge the performance of a million-dollar medical insurance.
Without further ado, let's take a look at them one by one
1. Basic guarantee
A Qualified Million Dollar Medical Insurance, IVThe basic protection must be comprehensive, including inpatient medical care, special outpatient services, outpatient surgeries, and outpatient and emergency services before and after hospitalization, these places that cost a lot of money to see a doctor are indispensable.
But after careful research, we found that there are many doorways in this!
Some products are not guaranteed to cover outpatient surgery, and the material costs and anesthesia costs incurred by outpatient surgery must all be borne by themselves.
There are also some products that are more hidden, and on the surface it seems that all 4 guarantees are available, but in some important projects, there are "pits" buried secretly.
We once evaluated a large company's million-dollar medical insurance, claiming to be able to reimburse 4 million per year, but there is a single limit for some protections, such as outpatient cancer**, which is particularly expensive, and only reports a maximum of 200,000 per year.
But everyone must know how high the cost of cancer is, ranging from hundreds of thousands to millions, and if you really use it, you will probably have to pay out of pocket.
Therefore, when you choose a product, it is best to give priority to the products with complete basic protection, and any one of them may lose hundreds of thousands!
2. Renewal conditions
The million-dollar medical insurance on the market, where the gap can be significantly widened, is the product renewal conditions.
Because most million medical insurance is not guaranteed to be renewed, only one year will be insured for one year, and after the expiration of one year, the insurance company will re-examine the physical health and meet the conditions before you can continue to buy.
If you have a serious illness one day, or have made a claim in the accident, it is likely that you will not be able to buy it in the next year, and the protection will be directly interrupted.
So weIt is better to choose a policy that guarantees renewal, andProducts with a guaranteed long renewal period.
At present, there are millions of medical insurance on the market, the longestGuaranteed renewal for 20 yearsIn the past 20 years, whether it is a deterioration in health, a claim, or even a product that has been discontinued, the policy can be renewed normally.
3. Purchased drugs
Regarding the purchase of drug protection for millions of medical insurance, it is the easiest to step on the pit, and it is also the easiest place to be ignored by everyone.
Many friends may not know that some of the best cancer drugs and expensive drugs, although they have entered the medical insurance, but the reimbursement is limited, and they are often not available in the hospital, so they have to go to the outside pharmacy to buy them.
If the million-dollar medical insurance you buy is not covered by purchased drugs, then you have to pay for tens of thousands or hundreds of thousands of drugs every month, which is very stressful for ordinary families.
So when you buy millions of medical insurance,It is best to choose the one with purchased drug protection, and it should be written in black and white into the main insurance contract, so that the protection is more stable.
We also compared more than 100 products and found that many products do not have purchased drug protection, and some products have purchased drug protection, but they are free services and are not written into the contract.
If you want to know what products come with purchased drug coverage, and the coverage is also written into the contract, you canClick the card belowLet the professional teacher explain it in detail.
4. Value-added services
If the million-dollar medical insurance you buy has practical value-added services, it can really help a lot at a critical time.
For example, if you pay for expenses in advance, you can ask the insurance company to help pay for hospitalization, so that you don't have to ask people to borrow money everywhere.
There is also a green pass for medical treatment, which can help us quickly hang up the expert number, make an appointment for inpatient surgery, etc., to solve the problem of difficulty in seeing a doctor, and no longer have to worry about "crowding" in the hospital.
After the above four rounds of analysis, I believe you can also feel that although the million medical insurance is very good, it is also very complicated, and the difference between the words in the terms may be hundreds of thousands less.
In order to let everyone avoid detours, we also strictly control each link, screen layer by layer, and finally select the best of the best, and help you carefully select a few good products of large companies, let's take a look.
It is normal to buy insurance and find a large company, but it is also a large company, and it is very particular about choosing offline or online products, and here we also recommend that you give priority to online products.
Because we once had a colleague buy a million medical insurance in a certain state, which is not only the most expensive, but also the insurance coverage of purchased drugs is very unstable. There are even some offline products that must have ** critical illness insurance or life insurance, and the protection is average, which is very cost-effective.
In order to facilitate everyone's comparison and selection, we have also sorted out the 4 online products that are worth buying from large companies, and the detailed guarantee content, **, etc., are placed in the following table for your reference:
Let's go straight to the conclusion:
If you are in good health:Blue MedicarewithLooks goodIt is worth considering that it can be guaranteed to be renewed for 20 years, and it can be renewed normally if there is a claim or poor health during this period.
Moreover, the insurance of purchased drugs is written into the contract, and 100% reimbursement can be made if the conditions are met, and the warranty is also guaranteed to be renewed for 20 years, which is not possible for many offline products.
However, there are slight differences between the two products in terms of health notification:
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 there had been continuous medication for more than 30 days in the past 2 years, but Chang An did not ask, and everyone can choose according to their own health conditions.
If there is an abnormality in the body: it can be consideredGood medical insurance (0 deductible).This product does not ask about the abnormal examination within 1 year, and there is a chance to buy a cancer, and it can be guaranteed to be renewed for 6 years, and there is no deductible (30% can be reported within 10,000 yuan).
Of course, everyone's health status is different, and the suitable products will be different, if you really don't know which product to choose, you canClick on the card belowtabletsMake an appointment with a professional planner to assist in the analysis.
A million medical insurance, a few hundred dollars can leverage millions of insurance amounts, and if you are sick and hospitalized, you can help reimburse large medical expenses, a typical "spend a little money to do a big thing", which is very suitable for most of us to choose.
However, when choosing a product, you can not be ambiguous, it is best to choose a product with complete basic protection, guaranteed long renewal period and purchased drugs, and at the same time, you should also pay attention to your own physical condition and the health requirements of the product, and then compare more to choose a cost-effective product.
If you have any questions, please feel free to leave a message :)