As a new type of insurance launched by Ping An Company, Ping An Internet e-Huibao Medical Insurance has attracted a lot of attention with its relaxed health notice.
This insurance may be a good option for people who are turned away from commercial medical insurance due to health issues.
So, what is the specific performance of Ping An Internet e-Preferential Medical Insurance? Let's work together.
Ping An Internet e-Preferential Medical Insurance
Daddy's summary
OnePing An Internet e-Preferential Medical Insurance
Let's take a look at the product information of Ping An Internet e-Preferential Medical Insurance first:
1. Insurance rules.
Ping An Internet e-Benefit Medical Insurance has a wide range of coverage ages, and those aged 18-70 who meet the health notice and occupational requirements can be insured.
There are only 3 health notices, and many common diseases and abnormalities can be covered normally.
The protection time of this medical insurance is one year, no *** renewal, after the expiration of the period, if the product is still on sale, you can still buy it after the review, if the product is no longer on sale, then you can't buy it.
Therefore, in terms of the stability of renewal, Ping An Internet e-Huibao medical insurance is relatively weak.
If all aspects such as physical health and age allow, and you can buy products that guarantee renewal, Daddy recommends that priority be given to guaranteed renewal.
Although the coverage period is also only one year, it can at least lock in medical protection for the next few years or even ten or twenty years.
In terms of the scope of supported hospitals, general disease or accident medical treatment is the general department of public hospitals of the second level and above, there are five hospitals for proton heavy ions, and there are no testing institutions for targeted drug out-of-hospital genetic testing, and the scope is relatively wide.
2. Guarantee responsibility.
It can be seen that the protection responsibility of Ping An Internet e-Huibao medical insurance is very comprehensive.
In addition to inpatient and outpatient, there are also proton heavy ions, out-of-hospital special drugs for malignant tumors, and out-of-hospital genetic testing for targeted drugs.
Among them, there are 188 kinds of out-of-hospital special drugs for malignant tumors, which have a great protection for cancer.
3. Reimbursement rules.
Ping An Internet e-Benefit Medical Insurance has two protection plans, and the reimbursement rules are slightly different between the two plans.
In terms of general illness or hospitalization medical expenses and 120 types of critical illness medical expenses, the reimbursement ratio of plan 2 is 12%-20% higher than that of plan 1, as shown in the figure.
It should be noted that if you are insured as a social security applicant, you must first use social security reimbursement when you are in trouble, and then apply for reimbursement of Ping An Internet e-Huibao medical insurance for the remaining part that exceeds the deductible, so that the reimbursement ratio will be higher and you can pay less.
4. **Different age groups** are not the same, the following is for reference.
It is not difficult to see that the ** of Ping An Internet e-preferential medical insurance is relatively high.
If you apply for plan 1 at the age of 30, if you have medical insurance, you will need 606 yuan a year, and if you don't have medical insurance, you will need 1424 yuan.
Many high-quality million-dollar medical insurance companies on the market can have a premium of two or three hundred a year, and they can also guarantee renewal.
IIDaddy's summary
In general, Ping An Internet e-Huibao Medical Insurance has done an excellent job in health notification and protection responsibility.
Unfortunately, the premium is higher, which is more suitable for some people who prefer big brands and have a sufficient budget.