Do you understand the gospel of Huimin Insurance with sick insurance?
In the health insurance market, we often encounter such people who are not in good health, can they buy insurance? The answer is that there is a special insurance product, Huimin Insurance, which allows you to take out insurance with illness. So, what exactly is Huimin Insurance? How does it protect our health? This article will explain it in detail for you.
Huimin Insurance, as the name suggests, is a kind of inclusive commercial supplementary medical insurance. It appears mainly to deal with the risk of major diseases. Compared with commercial health insurance, such as critical illness insurance, the premium of Huimin Insurance is much cheaper, and the insurance threshold is much lower. As long as you participate in the local medical insurance, you can apply for insurance regardless of age, occupation or physical health. This means that even if you are in poor physical condition, have pre-existing conditions, or have chronic diseases, you can still apply for Huimin Insurance.
Not all illnesses are unconditionally covered. It has a different definition of pre-existing conditions than a million medical insurance plan. The pre-existing conditions mentioned by the Million Medical Insurance are related diseases that have been diagnosed by the doctor or have not yet been diagnosed by the doctor before the effective date of the benefit. The pre-existing conditions stipulated by Huimin Insurance are certain categories of pre-existing conditions as agreed. The contract will specify which illnesses are pre-existing conditions, which are generally critical illnesses. If we have suffered from these critical illnesses before applying for Huimin Insurance, and the medical expenses incurred during the insurance period are caused by this, Huimin Insurance will generally not pay for them. However, if you suffer from these illnesses after the policy is in force, you can file a claim.
So, how does Huimin Insurance compensate for pre-existing conditions? Since product contracts vary from place to place, claims will also vary. It can be roughly divided into the following situations: there is no restriction on pre-existing conditions, and the reimbursement is equal; It is agreed that the compensation for pre-existing conditions will be reduced, and the reimbursement ratio will be reduced; No compensation will be paid for pre-existing conditions, and medical expenses caused by agreed pre-existing conditions and their complications will not be paid; All pre-existing conditions are not covered, similar to a million medical insurance.
Although Huimin Insurance has relatively few insurance restrictions and most of them can cover pre-existing conditions, its deductible is generally high and there is no guarantee of renewal. Therefore, we should treat it as a back-up product, not the first choice. For friends who are in good health and in good condition, it is recommended to give priority to the Million Medical Insurance.
As a special type of health insurance product, Huimin Insurance provides an opportunity for people with poor physical conditions to take out insurance. When choosing, we also need to pay attention to the details of its deductible, renewal and other terms to ensure that our interests are protected to the greatest extent. Finally, I would like to ask you what role do you think Huimin Insurance will play in your life? Welcome to leave a message in the comment area to discuss.
February** Dynamic Incentive Program