Pacific Blue Medical Insurance’s long-term medical insurance is actually Pacific Medical’s worry-free medical insurance. Different platforms have different names, but the coverage responsibilities are the same.
Features of this product:
① At present, medical insurance has the longest guaranteed renewal time of , up to 20 years.
②A large company brand, Pacific is the first echelon insurance company in China.
③The price is super cheap. If you are buying it for a 0-year-old baby, theirs is the cheapest, with a one-year premium of 432 yuan.
④ Many people are worried about the problem of non-reimbursement of drugs purchased outside the hospital. Pacific Medical Insurance has solved it, because 86 kinds of anti-cancer drugs can apply for reimbursement.
My brother read the insurance first and gave his advice on whether to buy it:
① If you value the brand of the insurance company + high insurance amount, low premium + long guaranteed renewal time. Buy it!
Then Pacific Blue Medical Insurance long-term medical insurance is the best one on the market. Because compared to Ping An e-life insurance and Alipay medical insurance. Pacific Blue Medical Insurance’s long-term medical insurance offers discounts for a family.
The reimbursement of outsourced drugs of Pacific Blue Medical Insurance is written into the main terms. Compared with Ping An e Life Insurance, which also guarantees renewal for 20 years: its specialty drugs are not written into the main terms and can be discontinued at any time, and the maximum medication time after an accident is limited to 3 Year.
Let’s compare Alipay’s good medical insurance. The Pacific Blue medical insurance has a deductible of 10,000 for the whole family. This can lower the claim threshold and is very worth buying.
② But if what you value is the quality of medical treatment and the threshold for claims settlement.
Then Pacific Blue Medical Insurance long-term medical insurance is not suitable, because this product is essentially a million-dollar medical insurance. There are many restrictions on using it, such as:
(1) You must first use medical insurance to settle , which means that if you are from a third- or fourth-tier city and go to a first- or second-tier city for medical treatment, medical insurance in other places cannot be settled directly, and you cannot deduct it as advertised After a deductible of RMB 10,000, 100% of the self-expenses will be reimbursed.
(2) The contract terms have hidden medication restrictions, which means that only "reasonable and necessary expenses" will be reimbursed.
(Restrictions on the terms and conditions of millions of medical insurances)
In other words, if there are imported better-quality equipment and medicines when seeking medical treatment, you cannot use them just as you want. Even if the effect is better than ordinary products, you cannot use them casually. , otherwise you have to pay for it yourself.
(3) Guaranteed renewal is not unlimited.
If you are 30 years old now, you are guaranteed to renew your insurance until you are 50 years old. However, if the product is discontinued by that time, you will still have to look for medical insurance again at the age of 50. But it is still unknown whether our physical conditions will allow us to choose an insurance company at that time.
In addition, I have also sorted out 6 million-dollar medical insurance currently on the market that are guaranteed to be renewed, as shown in the picture below.
If you understand the advantages and disadvantages of this product, you will be wiser before making a choice.
Attached is Agedubao’s original critical illness insurance list
a. The yellow part in the table is the critical illness insurance product with the highest leverage ratio of , followed by the blue part.
b. Blank means there is no or inappropriate reference to this item.
c. The first-year leverage ratio indicator of critical illness insurance can only look at product differences from one dimension, and does not represent product ranking or quality.
d. All data comes from the insurance company’s official website or regulatory agencies, and some indicators are calculated for learning reference.
The little brother talks about insurance in plain language and teaches you not to waste your money.
