National Day, Pacific Life has launched a "return" anti-cancer medical insurance. This product is said to be able to cover tens of millions of cancer treatment costs, and can also receive the expiration insurance when the expiration date. It is said to be the first in the market.
is essentially: Aixiang Jinsheng’s two-dimensional insurance + Aixiang Jinsheng’s malignant tumor (severe) medical insurance (regulated rate).
As for how this product is, let’s take a look below.
Insurance instructions:
Insurance age: 0-60 years
Insurance period: 20/30 years
Disease waiting period: 90 days
Disease waiting period: 90 days
Insurance limit: 4 million in the year, cumulative 10 million in the insurance period
Insurance liability:
Take a 30-year-old man who is insured Aixiangjinsheng, insured for 30 years, and pays 30 years as an example. The annual premium is 1,298 yuan (including 1,139 yuan for both insurances and medical insurance ,159 yuan) html The 3
protection liability is as follows:
due insurance:
60 years old, when the contract expires, 100% of the premium paid is received, about 52,155 yuan
Death or full disability insurance:
According to the age group of death/full disability, The premium, cash value, and the amount contained in the policy have been paid for 1.2-1.6 times the main insurance premium, the cash value, and the amount contained in the policy, the three major payments of death/full disability insurance
Malignant tumor (severe) Medical insurance:
html After the 190-day waiting period, because the malignant tumor (severe) is treated in a designated public hospital of Grade A and above, after medical insurance reimbursement, the remaining compensation ratio is 100%.
If the hospital does not belong to a public hospital of Grade 3 or above, after medical insurance reimbursement, the remaining compensation ratio is 90%, and if medical insurance reimbursement is not reimbursed, it is 60%.
Proton Heavy Ion Medical Insurance:
is treated at Shanghai Proton Heavy Ion Hospital and is reimbursed at a 100% ratio.
Malignant tumors (severe)Specific drug expense insurance:
For drugs on the list of specific drugs, drugs in the medical insurance directory, they will be reimbursed at a rate of 100% after being reimbursed by medical insurance, otherwise
For drugs outside the medical insurance directory, they will be reimbursed at a rate of 100%.
Cell Immunization Method Medical Insurance (Car-T Therapy): Reimbursement at a rate of 100%.
Value-added service:
Medical Green Pass Service: Expert appointment, ward, surgery: 3 times each, payment period; 120 emergency subsidy: 3 times, payment period, a maximum of 200 yuan per time
Malignant tumor (severe)Special drug service: Targeted drug Generation test : 1 time/payment period; Special drug appointment purchase services, charity drug application guidance: unlimited times/payment period
Overall, this is essentially a long-term cancer prevention medical insurance, which can be understood as a 20-year or 30-year guarantees renewal of cancer medical insurance, so what is the protection? Compared with the two lifetime cancer prevention medical insurances on the market, what should you pay attention to in the product?
1. You cannot take out insurance separately. You must take out insurance with Aixiang Jinsheng Insurance, which increases premium expenses and cannot spend money on the edge. Even if you return the maturity payment in the future, it is not cost-effective.
2. There are obvious shortcomings in the protection of the product. In terms of terms, it is only protected by the hospitalization medical expenses caused by "malignant tumor-severe" and the special medicine and car-t treatment costs. However, in addition, general cancer prevention medical insurance can protect the hospitalization medical expenses caused by mild malignant tumors, which means that in the future, no compensation will be obtained if you are hospitalized for mild malignant tumors (such as mild thyroid cancer).
and the terms and conditions cover medical insurance for severe malignant tumors to be limited to three items: hospitalization medical expenses, emergency room before and after hospitalization, and special outpatient clinics. No outpatient surgery expenses for malignant tumors (severe and mild) have been reimbursed.
3. The guaranteed renewal period for 20/30 years is too short. If you are healthy and meet the underwriting requirements of millions of medical insurance, you can directly choose a long-term medical insurance that guarantees renewal for 20 years, such as Blue Medical Insurance (also known as Medical Enjoy Worry-free), Hao Medical Insurance Long-term Medical Insurance, and the coverage range is not only malignant tumors-severe. Therefore, the protection of this product is relatively narrow.
4. This product is a medical insurance with adjustable rates, so the premium paid annually may not be fixed, so the premium may be increased in the future.
5. Lack of the most practical value-added service: advance payment of hospitalization medical expenses, this is more practical, after all, to a certain extent, the financial pressure of malignant tumors and severe hospitalization is solved.
Overall, if you are healthy, it is recommended to directly insure millions of medical insurance and mid-to-high-end medical insurance. If you are sick, you can only buy anti-cancer medical insurance. It is recommended to consider Ping An Lifetime Cancer Medical Insurance and Good Medical Insurance Lifetime Cancer Medical Insurance. It is not recommended to insure products that are missing for a "refund type".
If you still have any questions after reading the article, you are welcome to send a private message in the background.
