Most friends know that when they seek medical treatment, medical insurance can reimburse part of the medical expenses, but they cannot be fully reimbursed. At this time, medical insurance came in handy, and it can be said to be the "best partner" of medical insurance.
Among them, million-dollar medical insurance can reimburse large hospitalization expenses; if you want to solve the small hospitalization expenses, you can match a small medical insurance; if you have abnormal health conditions or are older and cannot buy million-dollar medical insurance, you can also consider anti-cancer medical insurance.
This issue list, we have evaluated a total of 
73 medical insurance on the market, and selected the current good products. You can choose reasonably according to your own situation. The content of is mainly divided into three parts:
- million medical insurance list Single
- Mini-in-small medical insurance list
- Anti-cancer medical insurance list
A brief conclusion is as follows:
Million medical insurance, which ones are worth buying?
Different million-dollar medical insurance have different compensation conditions and compensation ratios. When choosing, you must see the terms clearly to avoid losing pitfalls.
In this issue, we have screened 6 products:
Low, let's introduce these products in detail to you:
Million medical insurance
html l1①Blue Medical Insurance: the first choice for 20 years of insurance
Blue Medical Insurance is covered by Pacific Health Insurance. We have summarized its advantages and precautions:
This product is the same as the previous e-enjoy care-medical care-free security. It uses the same terms and the protection is very good.
It can guarantee 20 years of renewal of insurance. After additional purchase of drugs, 88 anti-cancer drugs can be reimbursed 100%.
million medical insurance
②Good medical insurance long-term medical insurance (20 years): health notification is more relaxed
Hao medical insurance long-term medical insurance (20 years) can guarantee renewal 0 years, and the renewal conditions are also good. We have summarized its advantages and some precautions:
Although the cost of purchasing drugs for good medical insurance (20 years) can only be reimbursed by 90%, its health notification is relatively loose, such as not asking about abnormal conditions within one year. If the health notification requirements are not met, you can also try smart underwriting.
In addition, the overall performance of good medical insurance long-term medical care (6 years) is also pretty good , and can share a deductible of 10,000 yuan within 6 years.
million medical insurance
③Zhenaiwuyou special needs version: good medical experience
zhenaiwuyou special needs version is a mid-range medical insurance of Junlong Life , come together Take a look:
Zhenaiwuyou Special Need Edition is: 6 years of guaranteed renewal, and you can reimburse the medical expenses of the general department/special department of public hospitals of second-level and above
/VIP department/international department, designated private hospital , and you can also freely choose a deductible of 0 to 20,000 yuan, which is not expensive.
However, please note that after the expiration of 6 years, this product needs to be reinsured regardless of whether it is suspended for sale or not.
million medical insurance
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Most medical insurances that can guarantee renewal must be under 60 years old. The Medical Enjoy Worry-free Welfare Edition can guarantee a 5-year renewal and a wide insurance age. Parents over 60 years old also have the opportunity to take out insurance.
However, I would like to remind everyone that people aged 0 and above can only choose the home version of , and they must be insured with a direct relative under 50
In addition, it is also very relaxed insured, including lung nodules, small three-yang, hypertension, etc., and have the opportunity to take out normal insurance
million medical insurance
⑤ Zhong'an Exclusive E-Shenzhen 2022: Senior elderly people can also buy
million e-Shenzhen 2022 As the leader in one-year million medical insurance, the version has been updated quickly in recent years, and the product has become better and better.
Prince e-study 2022 can be purchased at the age of 70. It is suitable for elderly people.
Here we also remind everyone that according to the provisions of China Banking and Insurance Regulatory Commission, one-year medical insurance such as PME does not guarantee renewal. Renewal is required every year.
If you are under 69 years old, medical insurance that guarantees renewal can be given priority. During the period of guaranteed renewal, whether the physical condition worsens or the product is suspended, it will not affect the renewal of insurance
Small medical insurance, which ones are worth buying?
Most of the expenses that do not exceed the deductible amount cannot be reimbursed, while small medical insurance can just make up for this shortcoming.
So many friends will buy millions of medical care and small amounts of medical care together, so that you don’t have to spend money on your own when you see a doctor. We have selected 5 products, and give you a reference:
Next, we will introduce these products in detail to you:
Mini-administrative insurance
①Zhong'an Hospital Insurance 2022: The first choice for for 5~50 years old
Zhong'an Hospital Insurance 2022 is a small medical insurance of Zhong'an. We have summarized its advantages and precautions:
Here I remind everyone: About Accidental emergency , this product has hospital restrictions, such as Beijing Pinggu District, Tianjin Binhai District, etc.
If the medical expenses incurred by are caused by , public hospitals at level 2 and level 2 or above can be reimbursed nationwide.
In addition, babies aged 0 to 4 can give priority to Xiaoyixian No. 2. Hospitalization for the disease is also not limited to social security reimbursement, and the price will be nearly half of the cheaper.
Micro medical insurance
②Xiaoyixian No. 2: Good reimbursement conditions and cheap elderly people
Micro medical immortal No. 2 is a small medical insurance for China Life Property Insurance . Its advantages and precautions are also summarized here:
Micro medical immortal No. 2 is a cost-effective way to buy 300 yuan a year.
If you are a friend aged 5 to 50, it is recommended that you choose Zhong'an Hospital Insurance 2022, which is cheaper and has better accident medical insurance.
If you value the reimbursement ratio, you can also consider Hubaoxia Children's Insurance and Hyundai Chengyi Hospital Insurance. These two products can be reimbursed by 100% and 90% respectively. However, their reimbursement range is limited to social security and self-paid medicines .
Mini medical insurance
③Huanbao Insurance Super Power Edition: the first choice for children's clinics
Huanbao Insurance Super Power Edition is insured by Huatai Property Insurance In addition to hospitalization expenses, outpatient and emergency expenses can also be reimbursed. Its advantages and precautions are as follows:
In addition to the medical expenses within social security, The super-energy version of can also reimburse the medical expenses outside social security. is better than most similar products.
If the child has a weak constitution and goes to the outpatient clinic for medical treatment more times a year, you can consider buying one for the child.
anti-cancer medical insurance, which ones are worth buying?
million medical insurance will have a slightly higher threshold for age and health conditions. Some older people, or friends who have health problems such as diabetes , hypertension, etc., may not be able to buy 1million medical insurance. At this time, you can consider anti-cancer medical insurance.
Their health notification is relatively loose, and some products are not inquired about the above two diseases, and some products are insured at a wider age.
We have carefully selected 3 products:
Let's talk to you in detail:
Anti-cancer medical insurance
① Good medical insurance·Lifetime cancer prevention medical insurance
Good medical insurance·Lifetime cancer prevention medical insurance is covered by PICC Health. Its products are comprehensive. Its advantages and precautions are as follows:
html Friends under the age of 170 are recommended to choose this product first, and the lifetime renewal is not expensive.
In addition, there is also a WeChat Medical Insurance·Lifetime Cancer Medical Insurance in the table, which also guarantees lifetime renewal and can be used as an alternative. , however, I would like to remind everyone that it does not include outpatient surgery guarantees, and can only be reimbursed for the cost of inpatient surgery.
cancer prevention medical insurance
②WeChat Insurance·Middle-aged and elderly cancer medical insurance
WeChat Insurance·Middle-aged and elderly cancer medical insurance
WeChat Insurance·Middle-aged and elderly cancer medical insurance is also covered by PICC Property and Casualty Insurance, suitable for the elderly to choose. Its advantages and precautions are as follows:
Some friends’ insurance pages, the underwriting company displayed may be "Taikang Online ", which does not affect the protection, as long as you know it.
You need to pay attention to the purchase of drugs for . The purchase of drugs is optional. We recommend that you add them when purchasing. The price in the figure of is the price after the additional price, you can refer directly to it.
In addition, it does not have outpatient surgery guarantees, and only the costs of the surgery related to hospitalization can be reimbursed.
written at the end
Medical insurance leverage is very high, and you can buy millions of protection for just a few hundred yuan. However, there are many medical insurance products, so it is recommended that you compare carefully and choose the product that suits you.
Follow Deep Blue Insurance , reply [benefits], you can get super dry information such as
"Social Security Manual", "Medical Insurance Guide", "Insurance Plan", "Pipe Anti-Pulse Guide" and other super dry information.
helps everyone to "understand insurance and buy the right insurance" is the original intention of Shenlan Insurance. If you have any insurance problems, please contact me. I will use my 6 years of experience to give you appropriate suggestions;
fans who have been insured through Shenlan Insurance, once there is an accident, we will assist in claiming the whole process.
