Pacific Health recently launched a million-dollar medical insurance called Blue Medical Insurance, which is also guaranteed to be renewed for 20 years. Many people have a question: Is there any difference between Blue Medical Insurance and Medical Enjoy Worry-free?
In fact, they are not different. They are exactly the same product, just because the channels are different and the names are different.
Each insurance product has unique registration number of the China Banking Regulatory Commission, representing their identity. The registration number displayed by these two products in the channels is the same, which means they are a product.
So next, let’s take a look at whether Blue Medical Insurance (Medical Enjoy Worry-free) million medical insurance is worth buying?
The following are the insurance rules and guarantee responsibilities of this product:
1. Advantages:
The coverage range of insurance is wider
Pacific Blue Medical Insurance (Medical Enjoyment and Worry-free) Million Medical Insurance requires the insured to have a wide range of age between 30 days and 65 years old after birth, with a wide coverage and a large number of people, giving more people the opportunity to obtain protection.
guarantees 20-year renewal
Blue Medical Insurance (Medical Enjoyment and Worry-free) million-dollar medical insurance has a coverage period of 1 year, but guarantees 220 years of renewal html. If an accident or disease occurs during the coverage period, it will not affect the renewal of the insurance. On the premise of renewal of security rights, it can provide uninterrupted protection for 20 years and steadily protect the future of the family!
The annual compensation limit is higher
From the perspective of product liability, the general medical compensation limit is 2 million, the compensation limit for 55 special diseases is 2 million, the compensation limit for 120 critical illnesses is 4 million, the care payment fee for major diseases is 10,000, and there is also a medical insurance premium of 2 million for specific drug costs. The compensation limit is really high enough!
has a wide coverage
Within the scope of responsibility, all major and minor diseases can be insured, including common diseases, accidental injuries, hospitalization for specific diseases and major diseases; it also includes chemotherapy and radiotherapy, endocrine therapy, proton heavy ions, immunotherapy , targeted treatment, etc.; the other 88 out-of-hospital drugs are 0 deductible and 100% compensation is also covered by car-t special drugs that require 1.2 million yuan per injection.
considerate value-added service
Pacific Blue Medical Insurance (Medical Enjoy Worry-free) Million Medical Insurance provides users with expert appointments, expert operations, expert wards, expert secondary diagnosis and treatment, hospital advance payment, post-hospital care and other services. As well as family policies for the whole family to purchase Blue Medical Insurance, it also provides exclusive psychological counseling services for adolescence problems for children.
2. Disadvantages:
. Adjustable rate
As a long-term medical insurance, the rate of Pacific Blue Medical Insurance (Medical Enjoy Worry-free) million medical insurance is adjustable, that is, the premiums to be paid when renewing the insurance are uncertain.
However, the price will not be adjusted at will. These terms clearly define the trigger conditions, time and range for adjusting the rate.
Of course, the rate of any long-term medical insurance can be adjusted because there are many uncertainties in the future.
3. Health notification is stricter
Because blue medical insurance (Medical Enjoy Worry-free) million-dollar medical insurance guarantees long-term (20 years) renewal, in order to avoid the problem of increased claims and increased renewal costs due to loose health notifications, insurance companies have made stricter requirements for health notifications.
Health notification principle: answer questions truthfully according to the Health notification questionnaire, follow the principle of "ask, answer, don't ask, don't answer".
Here, we must pay special attention to the following three issues. As long as we have a medical history in the past, regardless of whether we recover or not, we must tell:
(1) Benign tumors
Strictly speaking, it includes mast fibroids, uterine fibroids, etc., but many people ignore them.
(2) Hypertension
Inquiry about hypertension symptoms of grade 2 and above.If it is below level 2, you can buy it directly, but it will trigger the disclaimer of previous symptoms. You have to pay attention to this.
(3) Breast nodules
Breast nodules are a very common disease in women in modern society. This disease is also easy to be ignored. Even if it is cured now, don’t forget to inform me if you have a previous medical history.
3. Premium calculation:
Pacific Blue Medical Insurance Million Medical Insurance (also known as Doctor Enjoy Worry-free) How much does it cost?
Blue Medical Insurance Million Medical Insurance supports people aged 30 days to 65 years old after birth, and can accurately cover most people.
For example: at the age of 0, the first year premium is 432 yuan; at the age of 30, the first year premium is 238 yuan.
4. Summary:
In general, the advantages of Pacific Blue Medical Insurance (Medical Enjoy Worry-free) million-dollar medical insurance are still relatively obvious. This product can guarantee 20 years of renewal, with a wide coverage, high coverage, large coverage, and considerate value-added clothing. As long as it meets health notifications, this product is indeed a good medical insurance product and is worth buying.
I am Mingya senior insurance broker Fluorescent
Bachelor of medical insurance management
A professional, faithful and warm insurance broker
WeChat official account: Fengyun Talk about insurance
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