article | Wu Nansheng 38 articles share
When consulting for insurance, some friends will ask me if there are any products that can be reimbursed as long as I am hospitalized? For example, if you have appendicitis surgery, pneumonia hospitalization, etc., the cost of this type of hospitalization is mostly less than 10,000 yuan, which is the product characteristics of small medical insurance.
small medical insurance is still very popular because of its low claims threshold and good claims experience. However, insured commercial insurance will be informed of health, and the health notification of medical insurance is the most stringent. What’s even more depressing is that most small-scale medical insurances do not have smart underwriting and cannot be purchased without health notification.
Therefore, the biggest obstacle to insured small medical insurance is health notification. For those with physical condition, it is basically hopeless to recommend buying a small medical insurance. The good news is that Ping An Hospital Insurance 2022 is a product without health notification. I immediately bought myself a copy after seeing it.
1. Basic product information
Ping An Hospital Insurance 2022 has two plans: Plan 1/Plan 2
Guarantee responsibilities cover Accidental death/disability, accident/disease hospitalization medical care, accident/disease hospitalization allowance .
plan one and plan two are the insurance amount and fee rate, and the others are the same.
small medical insurance mainly depends on the core protection of hospitalized medical responsibilities . Other protection responsibilities are bonus points, not the key points, otherwise you will think that the insurance amount of this product is too low, and ignore it as a good product.
so accidental death/disability, only 10,000/50,000 yuan insured, can be ignored. If you want to solve the accident risk, just buy another accident insurance separately.
hospitalization allowance, please note that there are deductible days each time, and you need to be hospitalized for 4 days or more before you can compensate for the hospitalization allowance.
core guarantees hospitalization medical responsibility. Choosing a plan with a coverage of 10,000 or a coverage of 220,000 depends on the personal budget decision. I personally think it is enough for friends who have purchased a million-dollar medical insurance with a small amount of 10,000 yuan.
It should be noted that hospitalized medical care is only reimbursed at most 80% of the maximum reimbursement of social security, and only drug expenses are reimbursed outside social security. does not include self-paid items .
Ping An Hospital Insurance 2022, Hospitalized medical 0 deductible , social security + social security external medication, social security reimbursement 80% through social security, products have not yet been notified to , and overall it is still very excellent.
From the perspective of social security version, this product is recommended for adults aged 19-50 to buy . Those over 50 years old will choose their own budget. For minors, it is recommended to choose academic insurance or small-scale medical insurance exclusive to children, as all aspects of protection will be better.
2. Product Terms and Conditions
Ping An Hospital Insulation Insurance 2022, a total of 4 insurance terms:
"Ping An Property Insurance Hospital Medical Expense Insurance (Basic Edition) Terms"
"Ping An Property Insurance Personal Accident Insurance (Class) Terms"--Accidental Death/Disability
"Ping An Property Insurance Hospital Insulation Subsidy Insurance (A) Terms"
"Ping An Property Insurance Additional Self-Funded Medical Insurance Terms"--The promotional page does not have this clause content
Small medical insurance, we focus on hospitalization medical insurance terms, other protection liability insurance terms, and will not be analyzed here.
Protection liability: Where insurance claims are made, you can learn about the basic information of the product/insurance page,
Liability exemption: The situation where insurance claims are not made , you can learn about the product insurance page "Liability exemption".
is not clear about these two important things that you must understand before taking out insurance. It is recommended to look at the details of these two terms first. It is really super important!
Before taking out insurance, those who do not carefully read the exemption of liability and insurance instructions are all irresponsible insurance behaviors to themselves!
1. Hospitalized medical insurance liability clauses
Article 5, reimbursable, necessary and reasonable hospitalization medical expenses in the medical insurance directory. Article
states that only those in the medical insurance directory are reimbursed. What about the external medicines for social security? You need to see the "Ping An Additional Self-Funded Medical Insurance Terms".
If the insurance contract expires and is still receiving hospitalization, it can be managed for up to 30 days.
2. Hospitalized medical liability exemption clause
0 Responsibility exemption 27 items in three categories. Friends who read the first time they are exempted may think that this is too much, right? Among the four types of insurance,
, the liability exemption of medical insurance is the most. The products of each insurance company are the same, so this is necessary to be clear about it. As for the products we purchase, is the liability exemption more stringent than other similar products? Or regular operation? Ask me!
Permanent hospitalization insurance 2022, liability exemption clauses that need attention to inpatient medical liability:
(IV) Genetic diseases, congenital malformations, deformations or chromosomal abnormalities;
(VIV) Past symptoms and complications;
(Twelve) If the insured appears in the disease stipulated in this insurance contract during the waiting period, or the related expenses caused by the disease stipulated in this insurance contract that is tested during the waiting period but is diagnosed after the waiting period;
The fourth point is that all medical insurances will be exempted from this insurance, except for high-end medical insurance.
The sixth point is that all medical insurances in have the concept of past symptoms , that is, the diseases you suffer from before taking out insurance and are covered, are all past symptoms and no claims will be paid in the later stage. This is still very lethal.
Ping An Hospital Insurance 2022 Overview of Past Symptoms:
[Past Symptoms] refers to the relevant diseases or symptoms known or should be known to the insured person before the effective date of this insurance contract. includes not limited to the following situations: Before this insurance contract takes effect, the doctor had clearly diagnosed , and the long-term treatment was not interrupted; the doctor had clearly diagnosed, but the symptoms did not completely disappear after treatment, and there was a situation of interruption of medication; without the diagnosis and treatment of the doctor, , but the symptoms were obvious and continued to exist in , which should be known by ordinary people's medical knowledge.
Therefore, medical insurance, especially million-dollar medical insurance, the earlier you must buy it, the more beneficial it is for us. The more physical condition you have, the more parts you are not guaranteed. Currently, the excellent million-dollar medical insurance can be renewed for 20 years in phases.
The twelfth point is an explanation of the product waiting period. You need to pay attention to the explanation in the second half, which is relatively strict.
If the products we insured have a waiting period, no compensation will be paid if the claims occur during the waiting period. Generally, there is only accidents and no waiting period. Other types of insurance have waiting periods, such as critical illness insurance, up to 180 days.
Regarding product liability exemption clauses, be sure to read them one by one! If you can accept , buy it. If you can’t accept it, don’t buy it! Don't let yourself down!
3. Precautions for product insurance
1-year product accident insurance, medical insurance insurance, insurance instructions, special agreement and other precautions for product promotion pages must be opened to check it out. Insurance companies will list the key points and easily overlooked areas.
1. Insurance instructions and special agreements
I will list the key points, and you can check other precautions by yourself.
1.1 Disease restrictions
8. In addition to the exemption of liability as stipulated in the terms, the following liability restrictions are also added:
1) Treatment costs such as cervical spondylosis, disc herniation/extendonal dislocation/slip/slip caused by various reasons, endometriosis (including ovarian chocolate cysts), and uterine fibroids are excluded; 2) For the treatment of one or more of the diseases listed below, the compensation ratio of is uniformly 50% (that is, the necessary and reasonable cost of various drug costs, treatment costs, examination and testing costs, and surgical costs within the scope of the basic medical insurance drug catalog and diagnosis and treatment items of local urban employees. 50%): hemorrhoids, deviated nasal septum, varicose veins, vertigo, phimosis, excessive length of foreskin, sleeve gastrectomy, gastroduodenal ulcer, major gastrectomy, tumors (including but not limited to various elective malignant/benign tumor resections), and nodules, polyps, cysts, hyperplasia, and stones in various parts of the body.
This is still very important information. After we purchase, we will see this in the insurance policy page specially agreed to .
10
10. The insurer only covers the insurance liability for the insured to suffer accidental injury during the insurance period and causes death or disability due to the accidental injury. is not within the scope of insurance liability for insured persons due to cancer, heart disease, cerebral thrombosis, cerebral atrophy, cerebral aneurysms and other diseases.
Detective/disability due to accidental death/disability protection can be compensated. Death/disability caused by the disease is covered by life insurance and this product is not covered.
11. The insured has an accident during an electric bike. The electric bike needs to meet the national electric bike standards and have completed the real-name registration. Otherwise, the insurer will not bear the payment liability.
At present, the management of electric vehicles in China is still not perfect enough. If you usually ride an electric bike, you need to pay special attention to this point. Has the electric bike been registered? Hospitals except
1.2
13. Any medical expenses incurred by the insured in this insurance in hospitals below will not be compensated for : (1) Beijing area: all medical institutions under Pinggu District and Miyun District; (2) Hebei Province: all medical institutions under Langfang City, Qinglong County, Qing County, and Dongguang County; (3) Tianjin City: all medical institutions under Binhai and Jinghai areas; (4) Liaoning Province: all medical institutions under Tieling City and Fuxin City; (5) Jilin Province: all medical institutions under Siping City Institutions; (6) Henan Province: all medical institutions under the jurisdiction of Xinxiang Traditional Chinese Medicine Hospital, Kaifeng City, Xinyang City, Pingdingshan City, and Jiaozuo City; (7) Sichuan Province: all medical institutions in Yibin City; (8) Shandong Province: Laizhou People's Hospital, Laizhou Traditional Chinese Medicine Hospital, Laizhou Guojiadian Central Hospital, Binzhou Central Hospital, and Yucheng City; (9) Jiangsu Province: all medical institutions under the jurisdiction of Xuzhou City and Nantong City; (10) Inner Mongolia Autonomous Region: all medical institutions under the jurisdiction of Tongliao City and Chifeng City; (11) Fujian Province: all medical institutions under the jurisdiction of Sanming City and Nanping City; (12) Gansu Province: Gansu Minqin County People's Hospital. The promotional page for
is highlighted in bold red tracing to remind everyone that if our living and working place is in the above-mentioned areas, please do not buy this product.
1.3 Time limit requirements for reporting
14. The insured must call to report within 48 hours after the insurance accident. Otherwise, if the insured person is difficult to determine the subject matter, nature, cause, degree of loss, etc. due to delayed reporting, the insurer shall not bear the liability for compensation or payment of insurance premiums for the undetermined parts. For accidental death insurance accidents, 12 hours after the accident, and provide an accidental death certificate issued by the public security organ in the place where the accident occurred, or provide an autopsy report issued by the appraisal agency with appraisal qualifications, otherwise no compensation will be made.
does not involve death, and it is required to be within 48 hours. If an accidental death is involved, it is required to be within 12 hours. Regarding the accident, it is recommended that you notify your insurance broker as soon as possible, and you can provide opinions and report the case as soon as possible.
2. Product Insurance Link
Ping An Hospital Insurance 2022 is a small medical insurance without health notification. If you are clear and clear about the basic information of product, product guarantee responsibilities, liability exemption clauses, occupation categories (categories 1-4), and insurance instructions, you can operate insurance independently and identify the purchase below.
product insurance link is available at the first release platform at the end of the article!
If you have any uncertainties before taking out insurance, it is recommended that you consult first and then take out insurance.
Warm reminder:
If your friend has this need, it is recommended to forward the article link directly, thank you!
Do not forward product links directly, he is not clear about the terms and precautions I have talked about above (super important!!!).
4. Insurer introduction
5. Nagging two sentences
talk about my views on this product, for reference only.
---Advantages:
1. Large companies and big brands, trustworthy.
2. No health notification, the insurance threshold is low, and it is very friendly to non-standard people.
--Inadequacy:
1. The insurance coverage for accidental death/disability is low, and there is no advantage in this regard compared to the same type of products.
2. The restrictions on compensation for some diseases are not subject to hospital compensation restrictions, which are relatively strict.
Safe Inpatient Insurance 2022, the protection responsibility is simple and easy to understand. Our core demand for purchasing this product is hospitalization medical responsibility to solve the small medical expenses during hospitalization.
Small medical insurance is a one-year product and does not guarantee renewal. It has low claims threshold, high claims rate, and poor product stability. Will it be renewed in the next year? Not clear. Or the product is directly removed from the shelves, it is possible.
In reality, what drags down the entire family is often those that cost a lot of treatment. Although small medical insurance can lower the threshold for hospitalization medical expenses and have a good claim settlement experience, it is suitable as a supplement to millions of medical insurance, it cannot solve the problem of life-saving money. Therefore, it is the key to giving priority to allocating millions of medical insurance to solve large medical expenses for ordinary people. The middle and high-end people allocating mid-to-high-end medical insurance according to their budgets and demands.
--Declaration:
product evaluation and analysis is only for (or part) of product terms, and it is reasonable to exist.
If the promotional page and insurance instructions are updated or adjusted, the latest insured product shall prevail.
If there is any uncovered or description error, please feel free to correct it. Thank you!
If you don’t understand or don’t understand, please consult. The little brother has a good temper and will not ask badly.
Article First Release Platform: Insurance Wu Nansheng
