I have met many friends who want to buy insurance, but because of their health, they are blocked by the insurance company and cannot buy insurance.
Today I found several insurances with relatively niche insurance companies, especially for friends who cannot buy insurance due to physical abnormalities.
Because health notifications are extremely loose, the price is not expensive for only a few hundred yuan!
minimum, 1 item.
the most, 3 items.
Health notification is the first hurdle we need to overcome when we buy insurance. If we don’t have any problems mentioned, we can buy it.
01
hospitalized for one day and can receive 500 yuan!
Ping An Property Insurance has insurance called hospitalization security.
The protection responsibility is very simple, you can tell by taking a look at the form.
As long as you are hospitalized, you will not compensate for the first 3 days of deduction. will be able to receive 1 day of money from the 4th day of .
- Buy the 100 yuan version and you will be given 100 yuan a day.
- buys the 500 yuan version and you can get 500 yuan that day.
can receive up to 90 days. That is 45,000 yuan.
What is the use of collecting this money?
Because of an accidental injury or illness and being hospitalized, you have to ask for leave, whether it is life leave or sick leave. More or less income will be affected.
Even if the unit benefits are good, the full salary will still be paid. If your family takes leave to take care of you or hire a nursing staff,
will also be a considerable expense.
If you can receive the allowance according to the day, it means that the insurance company will pay the money for you, which is quite powerful.
has another advantage in peacekeeping: its health notification is very relaxed, with only three:
can be bought as long as you are not hospitalized now and there are no diseases that the hospital requires to be hospitalized within one month.
However, health notification 1 is a bit "chicken".
translates to "human words": If you have tried to buy accident insurance, life insurance , critical illness insurance or medical insurance
before buying , then you will be extended, rejected, surcharged, or excluded.
In Ping An's eyes, he is even a person with "criminal evidence".
cannot buy peace of mind protection.
For example, Xiao Ming has Da Sanyang , and went to buy critical illness insurance. If he was refused insurance, he would not be able to buy it.
So,
is safe and safe, which is more suitable for two types of people:
1. I have never bought insurance, the case is innocent, and the case is clean
. I can buy it even if I have diabetes or cancer.
2. There are some minor problems with the body, but the standard body is insured
For example, Xiao Ming has a big three yang, so he bought a life insurance policy. If this life insurance does not ask about the big three yang, then Xiao Ming will buy a safe insurance, and it will be fine.
02
want to reimburse the hospitalization fee, check out these two!
If you think it is not enough to receive the allowance, you will also reimburse the hospitalized treatment fee.
You can check out Puhui e-shen, or WeChat National Insurance.
As long as there are no such situations: cancer (carcinoma in situ), uremia, severe aplastic anemia, heart valve disease , brain tumor, cirrhosis
, you can buy it.
Even if there is thyroid nodule , you still have to have a stroke, and you can buy Puhui e-sheng directly.
deducts 10,000 yuan of deductible, and up to 1 million yuan of hospitalization fees can be reimbursed in a year.
means that after the medical insurance is reported, 10,000 yuan will be deducted, and the rest can be reimbursed by the insurance company.
- Cancer: You can report reasonable expenses inside and outside medical insurance.
- Other diseases: Only those who report to medical insurance, and those who pay for their own medicines are not accepted. Many friends may not understand it very much, and it sounds quite complicated.
Give me a chestnut.
For example, Xiao Ming was hospitalized for 7 days due to surgery. spent 40,000 , medical insurance reported 15,000 yuan, and 5,000 yuan was paid for the remaining 25,000 yuan.
That is the Puhui e-study, which will report as follows:
(250,000-10,000-5,000) * 80%=8,000 yuan. (Even if you are 60 years old, it is a good deal) Although
cannot report 100% in full, it still transfers part of the loss.
is more likely to be directly refused to insured, and all risks and expenses must be borne by themselves.
universal e-study, national insurance, and all are cheap, and the prices are all on the table and everyone can see them.
03
You can’t miss it, there are a few small details to pay attention to!
Whether it is Anxin Insurance, Universal E-Life, or National Insurance, although the protection seems to be good, there is one thing to pay attention to. means that you will not compensate for your past symptoms.
What is "past symptoms"?
If you have some physical problems, you have seen a doctor but it has not been cured yet; or the doctor doesn't know, but you obviously know it yourself.
is called past symptoms.
For many past problems, insurance companies will allow you to buy insurance, and means that when you make a claim, you will not pay compensation. sounds quite cruel...
Maybe many people think that the insurance company is terrible when they see this. There is no way because too many people have this mentality:
I have XX disease and I will go to surgery next week. Can I get reimbursement for buying insurance now?
To be honest, who doesn’t want to take advantage of it? Who doesn’t want to grab free wool?
But insurance companies are not stupid, so they designed "past symptoms" to prevent users from taking advantage of it.
But you don’t have to be afraid of this, because diseases other than previous symptoms are still subject to normal compensation.
Give me a chestnut.
Xiao Ming had a stroke and bought Puhui e-shen. Half a year later, Xiao Ming was unfortunately diagnosed with lung cancer.
hospitalization, spent 300,000 yuan, reported 100,000 yuan in medical insurance, and the remaining 200,000 yuan,
Huixiang e-sheng energy report: (20-1) *80=152,000 yuan.
15 million, not a small amount of money for an ordinary family.
or not to buy (Puhui e-shen), and try this leverage and think about it yourself~
One supplement: The three mentioned above, is the first choice for friends who cannot buy insurance due to serious health problems, or the last choice.
If you are in good health, or only have slight abnormalities. Then you should buy regular million-dollar medical insurance and critical illness insurance. The comprehensiveness of the protection will be better~
If you have any questions about insurance, you can leave a message to Dabai in the comment area or click below to ask Dabai directly!
Click "Learn More" below to experience Dabai Reading Insurance for free 1 to 1 Insurance Consultation Planning Service , customize exclusive plans for you!
